Luxe Lending & Finance - Mortgage and Finance Broker

Luxe Lending & Finance - Mortgage and Finance Broker Finance/Mortgage Broker helping you find the right loan for your needs with over 40 lending options available to ensure I can help you finance your future

Buying your first home?💼 Investing in property?👨‍👩‍👧 Looking for more space for the family?Here’s the thing: no two prop...
16/09/2026

Buying your first home?

💼 Investing in property?

👨‍👩‍👧 Looking for more space for the family?

Here’s the thing: no two property journeys look exactly the same.

So try not to compare your position with somebody else’s.

Instead, get informed, understand your options and make decisions that make sense for your life and your goals.

✨ That’s exactly what I help my clients do.

Together, we can:

📝 Break down your goals
💰 Understand your financial position
🏡 Explore finance and property options that actually fit YOU

💬 Don’t know where to start?

Book a consultation and let’s make your property journey feel a whole lot clearer.

Your journey is yours. Make sure your finance strategy is too.

Client feedback like this absolutely makes my day.Helping my clients navigate their property journey with confidence is ...
15/09/2026

Client feedback like this absolutely makes my day.

Helping my clients navigate their property journey with confidence is why I do what I do.

Thank you for trusting me with your finance. 🏡

Buying a property is confusing enough without an alphabet soup of lending acronyms.Here are three you’ll hear all the ti...
14/09/2026

Buying a property is confusing enough without an alphabet soup of lending acronyms.

Here are three you’ll hear all the time 👇

🔹 LVR = Loan to Value Ratio

This is how much you’re borrowing compared with the value of the property.

👉 Calculation: Loan Amount ÷ Property Value × 100

Example: $480,000 loan ÷ $600,000 property value = 80% LVR

🔹 DTI = Debt to Income Ratio

This compares your total debt with your annual income.

👉 Example: Income = $100,000 Total debt = $600,000 DTI = 6

Most banks will have their own limits and assessment rules around higher DTIs.

🔹 LMI = Lenders Mortgage Insurance

LMI may apply when you’re borrowing more than 80% of the property value.

And an important point: it protects the lender — not the borrower.

👉 Example: On a $600,000 purchase with a 10% deposit, LMI could potentially cost around $12,000–$15,000.

✨ Still confused?

That’s what I’m here for. I’ll skip the bank jargon and explain what the numbers actually mean for you.

💬 DM me and let’s talk through your borrowing options.

Sometimes one simple question can open the door to an incredibly important conversation:“Are you OK?”Take a moment today...
10/09/2026

Sometimes one simple question can open the door to an incredibly important conversation:

“Are you OK?”

Take a moment today to check in with the people around you — your family, friends, colleagues and community.

And if someone doesn’t seem quite themselves, reach out.

💛 Listen.
💛 Be present.
💛 Keep the conversation going.

Sometimes knowing someone cares can make all the difference.

Your credit score is a bit like your financial reputation.And when it comes to applying for finance, a stronger credit p...
10/09/2026

Your credit score is a bit like your financial reputation.

And when it comes to applying for finance, a stronger credit profile can mean more lender options.

Here are a few ways to look after it:

✨ Pay on time — bills, loans and other commitments.

✨ Maintain employment stability where possible.

✨ Reduce credit card limits and balances — and consider closing cards you no longer need.

✨ Be careful with new credit enquiries — including BNPL, personal loans, car finance and multiple pre-approvals.

✨ Keep your accounts in the green — avoid exceeding limits or missing repayments.

📈 A healthier credit profile can mean more options when it’s time to borrow.

Want to understand where you stand before applying?

💬 DM me for a credit health check.

Some banks have been pulling back from lending to companies and trusts — but the good news is, we still have options.Her...
09/09/2026

Some banks have been pulling back from lending to companies and trusts — but the good news is, we still have options.

Here are a few things you need to know:

✅ Borrowing limits

• Most lenders: up to 80% LVR without LMI • One lender: up to 85% LVR without LMI

✅ Trading restrictions

• The company or trust will usually need to be non-trading • Dividend income from shares may be acceptable with some lenders • Rental income from investment properties may be acceptable • Only a handful of lenders will consider trading entities

✅ Additional requirements

• A certified trust deed will generally need to be provided • Higher interest rates may apply • The lender will usually review the trust structure upfront to make sure it is acceptable

✨ Broker tip: Getting the structure right from the start can save you time, money and stress later.

💬 Thinking about buying property through a company or trust? Reach out and I can help you understand which lenders may suit your structure and what documentation you’ll need.

Don’t qualify for a government guarantee scheme or an LMI waiver?You may still have another option to help you avoid LMI...
08/09/2026

Don’t qualify for a government guarantee scheme or an LMI waiver?

You may still have another option to help you avoid LMI and get into the property market sooner: a parental guarantor loan. 🚀

Here’s how it can work:

✨ Your parents — or another eligible close family member — use some of the equity in their property to support your loan.

✨ This can mean you don’t need the full 20% deposit.

✨ And potentially, you can avoid the additional cost of LMI. 💸

Example 👉 Sarah’s parents came on as limited guarantors, using equity in their home to give Sarah the support she needed to buy her first property without a large deposit or LMI.

🙌 Pretty clever, right?

If you’re wondering whether a guarantor loan could help you get into your new home sooner, let’s chat and see whether it could work for you.

So why not use a mortgage broker instead?✨ I have access to 40+ lenders — not just one.✨ Our job is to understand you — ...
07/09/2026

So why not use a mortgage broker instead?

✨ I have access to 40+ lenders — not just one.

✨ Our job is to understand you — your goals, your needs and even your quirks — then match your situation with the right lender and lending policy.

✨ Because it’s about way more than just the interest rate. It’s about finding the lender that actually says YES to your scenario.

Think of me as your mortgage matchmaker 💘 Except instead of awkward dates, you get a home loan that actually fits. 🏡

💬 DM me and let’s find the right lender match for you.

What finance tip hit home this month? 💬 Comment below or DM me — and if you’ve got questions, I’m all ears. No judgment,...
31/08/2026

What finance tip hit home this month?

💬 Comment below or DM me — and if you’ve got questions, I’m all ears. No judgment, just help.

YES! Even if you never use it, lenders treat your credit limit as a liability. A $10k limit could reduce your borrowing ...
30/08/2026

YES! Even if you never use it, lenders treat your credit limit as a liability. A $10k limit could reduce your borrowing power by $40k or more.

👉 Tip: If you’re not using it, consider lowering or cancelling before you apply. I can show you how it changes your figures.

Address

Wagga Wagga, NSW
2650

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61269255741

Website

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