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Make the loan process simple, accessible, and trustworthy.
We simplify every step of your loan journey with clear guidance and support.
Fast, reliable, and transparent solutions you can trust every time.
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Our Services
Home Loan Solutions for Every Journey
We provide extensive assistance for all your home loan and financing requirements. Regardless of your situation, our skilled team is dedicated to identifying the right options for you.
A well-structured loan can significantly impact your mortgage’s overall cost. With access to a diverse range of lenders, we will assist you in evaluating and selecting a home loan that meets your criteria.
Selecting a home is a significant choice, and obtaining the right mortgage is equally essential. With connections to more than 40 lenders, our team can assist you in securing an excellent offer for your first residence.
We provide clients with competitive rates and a diverse selection of market products. You might be missing out on significant savings each year by not refinancing, so reach out to us today.
Numerous Australians are eager to advance by investing in property. With a variety of products and lenders available, now presents a wonderful opportunity to strategically grow your investment portfolio.
Obtaining pre-approval allows you to know your borrowing capacity before making offers. We will assist you through the steps, prepare your application, and collaborate with the lender to obtain approval.
Whether managing debt, financing a significant purchase, or handling major expenses, a personal loan can assist in spreading the cost into manageable payments with a consistent repayment plan.
Lenders Mortgage Insurance (LMI) is a one-off premium that lenders charge borrowers who have a deposit below 20% of the property value. LMI protects the lender not you and can cost…
Commercial financing is seldom one-size-fits-all — the ideal choice hinges on your business’s structure, cash flow, financial standing, and the particular asset being financed.
The construction process involves a unique lending approach, including progress payments at various milestones. We assist in securing approvals and liaising with your lender to ensure funding aligns with your timeline.
Securing finance can support your cash flow management, enable business expansion, or facilitate new ventures. We evaluate your requirements and suggest solutions that fit your operational model.
Whether acquiring a vehicle for personal use or business, securing appropriate finance enables you to access competitive rates, lower overall costs, and maintain manageable repayment terms.
Purchasing property via a self-managed super fund comes with specific regulations and a unique loan framework. We’ll examine SMSF lending possibilities and guide you through the entire process.
Acquire essential equipment without depleting cash reserves — from machinery and technology to tools and fitouts. We help select a structure that aligns with your business needs.
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What You Need to Prepare
As migrants ourselves, we understand the unique challenges of buying property in Australia. From visa requirements to building credit history, we've helped hundreds of families just like yours.
Led by Kishor Acharya, Principal Mortgage Broker, Laxmi Home Loans provides personalised, award-winning service across all of Australia — in the language you're most comfortable with.
Let's get you your dream house
We would love to hear about your goals and help you achieve them. Book a free consultation session or call us.
Our Services
We serve all over australia
We provide extensive assistance for all your home loan and financing requirements.
Frequently Asked Questions
How much deposit do I need for my first home?
Most lenders require a 5-20% deposit. With some programs and guarantor support, you may be able to buy with as little as 2% deposit. We’ll assess your situation and guide you through the options.
Am I eligible for the First Home Owner Grant?
Eligibility depends on your state, property value, and whether you’ve owned property before. We’ll check all available grants and concessions for you.
Can I buy a home on a temporary visa?
Yes! Many lenders offer loans to temporary visa holders. Some require FIRB approval. We specialise in helping migrants buy their first home.
How long does the process take?
From pre-approval to settlement, typically 6-12 weeks. We handle the paperwork to keep things moving quickly.