Home Loan Melbourne

Your ideal home is within reach with a great deal and assistance from professionals

Searching for a home mortgage loan in Melbourne?

The Melbourne property market can be challenging, but with the right support and guidance, finding the right home mortgage loan is achievable. Whether you’re a first home buyer, an investor, or refinancing, we make the process simple and help you achieve your goal of home ownership.

Why Homebuyers Choose Us

Local Expertise: As mortgage brokers based in Melbourne, we have a strong understanding of the Melbourne property market conditions and can offer you insight beyond what the national lenders understand.
Wide Lender Network: We work with a variety of banks and lenders to offer you access to a wide range of loans and rates.
Transparent Process: From the beginning of your journey to settlement, everything we say is clear of unnecessary words and jargon.
Tailored Solutions: We believe that everyone is unique, and therefore the loan options we present to you will be based on your own situation and goals.

How To Get a Loan With Luxora Lending

Simple, smart, and online- it’s the way we do things.

Step 1: Apply Online

Complete our quick and secure application.

Step 2: Accept Offer

No paperwork- just sign online with a secure code.

Step 3: Receive Finance

Get your funds quickly, often on the same day.

Step 4: Personalised Support

Our team is here to assist you every step of the way.

How Luxora Lending Help You

Book a Free Consultation: You will meet our experts who will determine your goals and ask you questions regarding your financial situation and needs.
Loan Assessment: We will assess your needs and discuss your goals and financial situation with with our lender experts
Application Management: We will do all of the paperwork and liaise with lenders on your behalf.
Settlement Support: We will be with you from the time you get approval and right through to the time of settlement.

How it Works

What Home Loan Services Do We Offer?

First Home Buyers

Beginning your property venture? We navigate you through the deposit, grants, and lender requirements so that you are adequately prepared and confident in your choices.

Investment Loans

Wanting to build on your property investment portfolio? We provide assistance for investors to gain access to structured loans with clear repayment plans and costs for a longer timeframe, enabling investors to make informed investment decisions.

Refinancing

Tempted with a better offer? We are here to help you review your existing loan, compare a better offer that potentially could save you, assist you to refinance your current loan to reduce repayments and or the loan term, or offer you an option to release some equity.

Low Doc Home Loans

Worried about saving a deposit? We understand this concern, and we offer low doc home loan options so you can achieve your homeownership goals without compromising on loan quality.

Apply Now

6 Reasons to Give Luxora Lending a Go

Looking for a lender that truly understands your needs? Here’s what makes Luxora Lending stand out.

Real Support from Real People
No complicated terms or fine print. Just honest and helpful service from a team that cares.
Rates Designed for You
We take the time to understand your financial situation so we can offer a rate that fits.
A Chance to Boost Your Credit Score
Making your repayments on time can help improve your credit score over time.
Check Your Eligibility with No Risk
Find out if you qualify without any impact on your credit score.
Fast and Simple Process
Apply in just six minutes and, if approved, get your funds within 15 minutes.
Loyalty Rewards
Returning customers enjoy quicker approvals, better rates, and extra perks.

Compare Home Loan Options with Ease

We know that finding the right loan is a big decision. This is why we have prepared a complete comparison of home loans from the major lenders and smaller lenders with rates, fees, and features included, so that you can make an informed decision.

Get Started

Check your rate and repayments
withoutimpacting your credit score

Now, curious if you qualify for a loan?

Enjoy personalised rates, flexible terms, and fast service.

0 %

have seen their credit score increase over time.

0 %

of our customers experience a credit score boost right from the start.

Eligibility

We keep things clear and easy to understand. We only conduct credit checks if we’re the right fit to support your financial goals. If we can help, we’ll move forward together.

Check your eligibility

Need help? Chat to a specialist

Registered Business – An active ABN or ACN
Business Experience – Operating for 6+ months
Steady Revenue – Earning $10,000+ in monthly sales
GST Registered – If applicable to your business

Frequently Asked Questions

What type of loans do you provide?

We offer flexible loan amounts to suit a variety of needs.

Business loans for start-ups and existing business
Commercial Property Loans
Equipment Financing
Vehicle Loans
Construction Loans
SMSF Loans
Refinancing or top up/Home Loans

Each of these loans has its own purpose and is designed to meet a different financial need, to assist you to achieve your goals in the most efficient way.

Can I get a home loan if I am self-employed?

Yes. Self-employed applicants can secure home loans, but lenders usually require additional documentation:

Tax returns or business financial statements
Proof of ongoing income
Supporting documents depending on the lender

A mortgage adviser can guide you through the process and help identify suitable lenders.

Who can apply for a Lending loan?

Must be an Australian resident age 18 or older
Must be in a stable financial position (including income, expenses, and obligations)
Loan approval assessed on a holistic review, takes into account whole situation and not just credit rating

Luxora Lending will ensure the loan offered is appropriate to your situation and, within your capacity to repay.

Does this support first-time property or business borrowers?

Absolutely! First time borrowers are guided through the application process. Customer service explains the loan terms, repayment schedule or options for early repayment and all efforts are made to ensure that borrowers can make informed decisions and understand all their obligations and decisions before accepting the loan.

What is the minimum deposit required for a home loan?

The minimum deposit varies depending on the lender and your financial situation. Many lenders offer loans starting from 5%, while some require higher deposits based on income, credit history, or property type. First-home buyers may also qualify for government grants to reduce upfront costs. Luxora Lending can help you explore these options.

How do I know which home loan is right for me?

Choosing the right home loan depends on your financial goals, income, and property plans. Factors such as interest rates, repayment flexibility, fees, and loan features like offset accounts should all be considered. Mortgage specialists can assess your situation and guide you toward options that fit your needs and lifestyle.

What documents do I need to apply for a home mortgage loan?

You typically need:

Identification (passport or driver’s license)
Proof of income (payslips, tax returns, or financial statements for self-employed applicants)
Bank statements
Details of assets and liabilities

Luxora Lending provides a checklist and guidance to ensure all documents are complete and your application is processed efficiently.

Loan with Luxora Lending We're Here to Help You Move

More Lenders, More Choice
We partner with a variety of trusted lenders, giving you better chances of securing a loan that suits your situation—even if your credit history isn’t perfect.
Fast and Hassle-Free Application
Our process is quick and easy. Apply online or chat with one of our friendly consultants who’ll guide you every step of the way.
Repayments That Work for You
We know everyone’s financial circumstances are different. That’s why we offer flexible terms and repayment options to help keep things manageable.
Support That’s Personal
At Luxora Lending, we take the time to understand your needs. You’ll get tailored support and expert advice from a team that’s genuinely here to help.
No Judgement—Just a Fresh Start
We believe everyone deserves another chance. Whatever your credit story, we’ll help you move forward with confidence—no judgement, just real support.

How can we help

Applying is Easy – Just Three Simple Steps

Get a business loan online in just 7 minutes by following these quick and easy steps.

Step 1: Apply

Fill in some basic business and personal details to begin.

Step 2: Connect Your Data

Securely link your online banking or accounting data so we can assess your borrowing power.

Step 3: Receive Your Funds

Once approved, share your preferred business bank account, and we’ll transfer the funds quickly.

Our business loans are proudly FBAA compliant

Transparent Fees and Charges

We are all about transparency. We lay out all fees, interest rates, and loan terms before you even sign on so you know what to expect, and there will be no surprises after the funding is completed.

Are You Ready to Make Homeownership a Reality?

It’s time to secure the best possible home loan in Melbourne. The Luxora Lending team will guide you through every step, from understanding your options to finalising your loan. Whether you’re a first-time buyer, refinancing, or looking for a low deposit home loan, we have solutions tailored to your needs.

Let’s get started on your new mortgage today, and experience the difference of personalised service, competitive rates, and Luxora Lending’s commitment to your success.