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AXTON Finance - Professional Mortgage Brokers

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Hawthorn, VIC
AXTON Finance - Professional Mortgage Brokers

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AXTON Finance is a team of highly awarded and professional mortgage brokers. AXTON Finance are award winning licensed mortgage brokers located in Hawthorn VIC.

Our services include mortgage broking for home and investment loans for owner occupiers, investment properties, refinancing, private banking solutions, Australian expat lending, renovation and construction loans, first home buyers, commercial property loans, development loans, self-managed super funds (SMSF), debt consolidation. We service clients from Hawthorn East, Glen Iris, Camberwell, Malvern, Malvern East, Ashburton, Surrey Hills, Mont Albert, Canterbury, Balwyn, Kew, Richmond, Kooyong, Toorak, Prahran and surrounding areas. Access to over 30 major banks and lenders. Contact us if you are looking for one of Melbourne’s best experienced mortgage brokers.

03/11/2026

Victoria is already falling behind its housing construction target. Could the shortfall get even worse in 2027?

According to the Housing Industry Association, construction commenced on 57,550 Victorian homes in 2025–26, well below the Victorian Government's annual target of 80,000. That's a shortfall of 22,450 homes.

Meanwhile, Australian Bureau of Statistics figures showed Victoria's population grew by 109,500 people in the year to March 2026.

If fewer homes are built while the population continues growing, Melbourne could face further pressure on housing supply.

If you're considering upgrading or investing, future housing supply is another factor to consider alongside property prices, borrowing costs and local market conditions.

This post is general information only. Consider seeking professional advice for your circumstances.

Planning your next property purchase? AXTON Finance can help you explore your borrowing capacity and lending options. Call 03 9939 7576 or email [email protected].

01/11/2026

Victoria's new home sales are falling sharply, but construction activity is still increasing. What's going on?

According to the Housing Industry Association, new home sales in Victoria fell 23.3% in the September 2026 quarter, returning to levels last seen during the construction downturn of 2023 and 2024.

Yet Australian Bureau of Statistics figures showed Victorian dwelling approvals rose 8.9% in August, while construction commencements increased 14.9% in the June quarter.

The explanation lies in timing. Homes being approved and built today often reflect buying decisions made months earlier. Stronger sales in late 2025 and early 2026 created a pipeline of projects now appearing in construction figures.

The sharp fall in new-home sales could therefore mean fewer homes starting construction in 2027.

If you're considering buying or building in Melbourne, understanding this delay can help you assess your options and plan your finance.

This post is general information only. Consider seeking professional advice for your circumstances.

Planning to buy or build? AXTON Finance can help you compare lending options across more than 30 lenders. Call 03 9939 7576 or email [email protected].

29/10/2026

Melbourne’s property prices are falling faster at the top end of ht emarket than anywhere else. For buyers, this could make homes in the upper quartile that were once unavailable to you now worth a second look.

But a lower price only helps if you can still borrow enough to buy it.

The Reserve Bank of Australia raised the cash rate to 4.60% in September, its fourth increase of 2026.

While falling property prices could make larger family homes more affordable, higher interest rates are reducing how much some buyers can borrow.

Even high-income households can find their borrowing capacity restricted, particularly when they have an existing mortgage, private school fees and other financial commitments.

And lenders assess your ability to repay a loan at a higher rate than the one you'll actually pay, which can further limit your borrowing power.

So before you start looking at premium properties, it’s important to understand what you can comfortably afford.

This post is general information only. Consider seeking professional advice for your circumstances.

AXTON Finance has access to more than 30 lenders and specialist private banking expertise to help structure your next home loan. Call 03 9939 7576 or email [email protected].

27/10/2026

Melbourne homes are taking longer to sell, and sellers are accepting bigger discounts. That could be good news if you're looking to upgrade.

According to Cotality, Melbourne properties took a median of 43 days to sell over the three months to August 2026, compared with 30 days a year earlier.

Sellers are also accepting larger discounts. The median vendor discount, which is the gap between the original listing price and the final sale price, widened from 3.0% to 3.9%.

For buyers, that can mean more time to make a decision, more room to negotiate on price and less pressure to commit before finance is in place.

But negotiating power still varies from property to property. A well-presented family home in a sought-after school catchment can still attract strong competition, even in a falling market.

This post is general information only. Consider seeking professional advice for your circumstances.

Getting your finance sorted early puts you in a stronger position to negotiate. Speak to the team at AXTON Finance. Call 03 9939 7576 or email [email protected].

25/10/2026

Melbourne’s premium houses have fallen much further than more affordable homes. Could this create an opportunity for upgraders?

According to Cotality, Melbourne’s upper-quartile house values were 10.5% below their cyclical peak by the end of August.

The gap between Melbourne’s premium and more affordable houses is wider than in any other capital. The cumulative decline in upper-quartile house values was 6.6 percentage points greater than the decline in lower-quartile values, ahead of Sydney at 5.3 percentage points. In Brisbane, Adelaide and Perth, the difference was less than one percentage point.

This suggests Melbourne homeowners looking to upgrade into the premium market may find properties that were previously beyond their budget are now worth reconsidering.

But, of course, individual suburbs and properties will vary, so each purchase needs to be assessed on its own merits.

This post is general information only. Consider seeking professional advice for your circumstances.

Thinking about moving up to a larger family home? Speak to the team at AXTON Finance about what you could borrow. Call 03 9939 7576 or email [email protected].

22/10/2026

Melbourne property prices are still falling, with Cotality reporting dwelling values declined 0.7% in September.

It sounds bad, but for upgraders, lower prices can change the numbers in more ways than one. As well as potentially reducing the gap between the home you sell and the one you buy, a lower purchase price can also mean paying less stamp duty.

Take a Melbourne upgrader looking at a $2.8 million property. Based on Victoria’s State Revenue Office calculator, land transfer duty would be about $162,000.

If that property price fell 10% to $2.52 million, the duty would drop to about $143,800 – an $18,200 reduction, on top of paying $280,000 less for the property itself.

So when you’re running the numbers on a potential home upgrade, it pays to factor in the costs that move with the purchase price as well.

General information only. Consider seeking professional advice for your circumstances.

Planning an upgrade? AXTON Finance can model both scenarios before you commit. Call 03 9939 7576 or email [email protected].

20/10/2026

Upgrading usually means taking on more debt – which makes interest rate movements more important.

The Reserve Bank of Australia raised the cash rate to 4.60% in September, its fourth increase this year and the highest setting since 2011.

For an upgrader, the size of your new loan is key here. The larger your loan, the greater the dollar impact of any further rate rise. If you’re taking on more debt, you’ll need to consider not only whether you can afford the repayments today, but how your budget would cope if rates rose again.

At AXTON Finance, we can model different loan sizes and interest rate scenarios so you can see how an upgrade could affect your monthly cash flow.

General information only. Consider seeking professional advice for your circumstances.

Planning to upgrade? Call AXTON Finance on 03 9939 7576 or email [email protected].

18/10/2026

If you’re thinking about upgrading in Melbourne, falling property prices may not be entirely bad news.

According to Cotality, Melbourne’s premium property prices have been falling faster than more affordable homes. Over the three months to August, values in the highest 25% of the market fell 5.3%, compared with 3.3% across the middle 50% and 1.3% across the lowest 25%.

That difference can change the numbers for upgraders.

Say you own a $1.6 million home in Stonnington and want to buy a $2.8 million family home in Boroondara. If your home falls 4%, while the more expensive home falls 10%, you lose $64,000 on your current property – but the property you want becomes $280,000 cheaper.

That means your upgrade gap falls from $1.2 million to $984,000.

So, while seeing your home fall in value can be frustrating, it can help to look at what’s happening further up the market too.

General information only. Consider seeking professional advice for your circumstances.

Thinking about upgrading? Call AXTON Finance on 03 9939 7576 or email [email protected].

15/10/2026

Which comes first when you’re upgrading? Selling your current home or buying the next one? There are pros and cons to both.

Selling first gives you certainty. You know exactly what your property sold for, how much debt has been repaid and how much money you have available for your upgrade. You also avoid owning two properties at once.

The downside is that if you haven’t found your next home by settlement, you may need temporary accommodation and could end up moving twice.

Buying first has different advantages. You can secure the right property when you find it and potentially move straight from one home to the next.

But it isn’t always possible. You need enough borrowing capacity, usable equity or cash reserves to fund the purchase while you still own your current home. You’re also committing before knowing your final sale price.

The right sequence will depend on your financial position and circumstances.

This post is general information only. Please seek financial, legal or tax advice relevant to your circumstances before making any decisions.

Planning an upgrade? AXTON Finance can model both scenarios before you commit. Call 03 9939 7576 or email [email protected].

14/10/2026

It was a pleasure helping Zhen and his wife refinance their home loan! A big shout out to our very own Nicole Hook, who genuinely loves what she does and is committed to getting the right outcome for our clients. Thank you Zhen for taking the time to share your experience. It means a lot to Nicole, and we look forward to helping you down the track with your future goals 🏡

Address

114 Auburn Road
Hawthorn, VIC
3122

Opening Hours

Monday	8:30am - 6pm
Tuesday	8:30am - 6pm
Wednesday	8:30am - 6pm
Thursday	8:30am - 6pm
Friday	8:30am - 6pm

Telephone

+61399397576

Website

https://www.axtonfinance.com.au/

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