We Make Financing Your Dream Home Easy
Are you looking to turn your dream of homeownership into a reality? At Excel Financial Solutions, we specialise in helping our clients secure the best home loans in Melbourne tailored to their needs. We simplify their journey by guiding them through the process with expertise and personalised service. We match our clients with the best lenders and help them secure finance at the best possible terms.
Our Services
- First Home Buyers
We offer first-time home buyers hassle-free home loans specifically tailored to their needs. We help our clients understand their borrowing power and the loan-to-value ratio. Our team specialises in assisting first-time home buyers in choosing the right home loan product. We check your eligibility and need for Lenders Mortgage Insurance. We also help you take advantage of government grants and financial incentives. - Refinancing Solutions
We explore various loan options and find a loan that better meets your financial goals. We evaluate your current financial situation and assess if refinancing is better for you. We help you lock in lower interest, reduce EMIs, and get more suitable terms and conditions. You can also consolidate your debt or unlock the equity you have already built into your home. Our team advises which financial institutions are most appropriate for you. We negotiate with lenders to secure better deals on your home loans. - Investment Loans
We provide home loans in Melbourne to help you grow your investment portfolio. We understand your property goals and personalise a loan product tailored to your needs. Our investment property loans are packed with features like split loans, interest-only periods, offset, and redraws. We also offer a loan pre-approval facility. Our team compares multiple investment loans to shortlist the ones with low interest and maximum features. We provide hassle-free investment loans that suit your financial needs. - Construction Loans
We help you arrange funds to build your dream home, rebuild your old home, or renovate or enhance existing property. Our construction loan gives you the flexibility to draw progressive payments throughout the construction process. You pay interest only on the amount of loan you have used. Our brokers help you get a low-rate construction loan that is tailored to your needs at a Loan-to-value ratio of up to 90% if eligible.
Features Of Our Home Loans
Each home loan comes with a different set of features. Here are some of the features available on most of our home loans in Melbourne.
Please get in touch with us to know what features are available on your chosen type of loan.
Please get in touch with us to know what features are available on your chosen type of loan.
- Up To 95% LVR
Our team assists you in getting a Loan-to-value ratio of up to 95%. However, if it is greater than 80%, you will need Lenders Mortgage Insurance (LMI). - Unlimited Additional Repayments
As a borrower, you can make unlimited additional repayments on variable home loans. This helps you save interest and pay off your loan faster. - Offset Account
You can link your offset account to your home loan. This allows you to use your savings to reduce the interest on the variable part of your home loan. - Split Home Loan
You can split your home loan to enjoy the benefits of fixed and variable loans. Variable interest gives you flexibility in repayments, and fixed interest gives you certainty in EMIs. The lending institution will charge a fixed interest rate on one part of the loan and a variable interest rate on the remaining. - Unlimited Free Redraw
We offer variable home loans with unlimited free redraw facility. You can redraw the extra repayments you have made on your loan for free.
Why Choose Us
- Expert Guidance
We bring industry knowledge and expertise to the table. We guide you through every step of the loan process and make sure you make informed decisions that align with your financial goals. - Personalised Service
The banks can only recommend their own loan products – even if they aren’t the best for you. However, we take time to understand your individual needs and financial objectives before suggesting a loan product. Our team is committed to finding the best loans for you. - No Fees
When you organise your loan through Excel Financial Solutions, you do not pay for our services – the lender does. - Extensive Network
We have ties with all leading financial institutions and lenders across Australia. Hence, you get access to a wide range of loan products. We compare all loan products and negotiate the best deals on your behalf. - Streamlined Process
We do all the legwork from initial consultation to loan approval. We manage the application process and take it through settlement. Our team manages all the paperwork and negotiations to save you time and hassle. - Support
We provide assistance throughout the life of your loan. Our team offers the best post-settlement service and helps you in restructuring your loan or refinancing your loan.
Get Started Today !
Contact Excel Financial Solutions today to book a consultation with one of our experienced brokers and take the first step towards securing the right loan for your needs. We offer personalised service and expert advice to help you find a suitable loan product. You can trust us to be your partner in your search for home loans in Melbourne.
FAQ's
Your borrowing power depends on your current income and existing financial commitments. Contact us to know your borrowing power.
In most cases, you can get a loan of up to 90-95% of the property value. This means you will need around 5-10% as a home deposit. However, if your LVR is more than 80%, then you will have to pay for Lender’s Mortgage Insurance (LMI).
Loan-to-Value ratio, or LVR, is the amount you are looking to borrow. It is calculated as a percentage of the property’s value you wish to purchase.
It is the difference between your home’s market value and the amount that you owe to your lender. You can deduct the loan balance from your home’s estimated value to calculate the equity you have.