# Luminar Finance

> Mortgage Broker and Financial Planning Perth


## Posts

- [Using Equity to Invest in Property](https://luminarfinance.com.au/using-equity-to-invest-in-property/): Using Equity to Invest in Property If you have owned your home for a few years, there is a good chance it has increased in value. That growth could mean you have built up equity – and potentially an opportunity to use it to invest in property. What is Equity? Equity is the difference between your property’s current market value and the remaining balance on your home loan.For example, if your home is worth $800,000 and your mortgage balance is $400,000, you have $400,000 in equity. However, not all of that equity can be accessed. Lenders generally allow you to […]
- [Building Wealth Through Property](https://luminarfinance.com.au/building-wealth-through-property/): Building Wealth Through Property For many people, property ownership isn’t just about having a place to call home – it’s one of the most effective and proven ways to build long-term wealth. With the right strategy and loan structure, property can help you grow your financial position over time through capital growth, rental income, and smart refinancing decisions. Why Property Remains a Popular Wealth-Building Strategy Australia’s property market has shown resilience over decades. While prices fluctuate, property generally tends to appreciate in value over the long term. This growth, combined with the potential to generate rental income, makes real estate […]
- [How Much Can You Really Afford to Borrow?](https://luminarfinance.com.au/how-much-can-you-really-afford-to-borrow/): How Much Can You Really Afford to Borrow? Buying a home is exciting, but one of the biggest questions for prospective buyers is: how much can I actually afford to borrow? Understanding your borrowing capacity is key to avoiding financial stress and ensuring your mortgage is manageable over the long term. This guide will help you break down income, expenses, and realistic mortgage planning so you can make informed decisions What Is an Investment Property Loan? An investment property loan is a type of mortgage designed specifically for purchasing real estate you don’t plan to live in yourself. Instead, the […]
- [First Home Guarantee Scheme Explained](https://luminarfinance.com.au/first-home-guarantee-scheme-explained/): First Home Guarantee Scheme Home Guarantee Scheme Explained Meet Jake: Turning Business Dreams into Homeownership Reality For years, Jake poured his heart and energy into building his business. Like many self-employed Australians, his focus was on growth and stability – and while his business thrived, the dream of owning a home seemed just out of reach. With the right guidance and strategies, Jake and his wife are now building their first home – a place they can finally call their own. How We Made It Happen When Jake reached out to Luminar Finance, we took a close look at his […]
- [Investment Property Loans: Tips for Building Your Portfolio in WA](https://luminarfinance.com.au/investment-property-loans-tips-for-building-your-portfolio-in-wa/): Investment Property Loans: Tips for Building Your Portfolio in WA Building a property portfolio can be one of the most effective ways to grow long-term wealth. In Western Australia, strong rental demand, steady population growth, and attractive property prices continue to draw interest from investors. But before you can start or expand your portfolio, it’s important to understand how investment property loans work –  and the strategies that can help you make the most of them. What Is an Investment Property Loan? An investment property loan is a type of mortgage designed specifically for purchasing real estate you don’t plan […]
- [Buying an Established Home vs. Building: Which is Right for You?](https://luminarfinance.com.au/buying-an-established-home-vs-building-in-perth-which-is-right-for-you/): Buying an Established Home vs. Building: Which is Right for You? If you are entering the Perth property market, one of the biggest decisions you will face is whether to buy an established home or build a new one. Both options have unique benefits, challenges, and finance considerations, especially when it comes to choosing between a standard home loan and a construction loan. Understanding these differences can help you make the best decision for your circumstances. Buying an Established Home Purchasing an established home is often appealing to those who want to move in quickly and live in an area […]
- [Building Your Dream Home? Here is What You Need to Know About Construction Loans in Perth](https://luminarfinance.com.au/building-your-dream-home-here-is-what-you-need-to-know-about-construction-loans-in-perth/): Building Your Dream Home? Here is What You Need to Know About Construction Loans in Perth If you are planning to build a home in Perth, you have probably already discovered that the process is quite different from buying an established property. One of the key differences is the type of finance you will need: instead of a standard home loan, many people opt for a construction loan. What is a Construction Loan? A construction loan is specifically designed to fund the building of a new home or major renovations. Unlike a standard home loan where you receive the full […]
- [A Guide to the 2025 Home Guarantee Scheme](https://luminarfinance.com.au/a-guide-to-the-2025-home-guarantee-scheme/): A Guide to the 2025 Home Guarantee Scheme For many Australians, especially in WA, the dream of owning a home can feel out of reach due to the daunting 20% deposit typically required by lenders. Recognising this challenge, the Australian Government introduced the Home Guarantee Scheme (HGS) to assist eligible homebuyers in entering the property market sooner. What is the Home Guarantee Scheme? The Home Guarantee Scheme is an initiative by the Australian Government, administered by Housing Australia, designed to support eligible homebuyers who have saved a small deposit. Under the scheme, the government provides a guarantee to participating lenders, […]
- [Standing Beside Those Who Serve: Luminar Finance Proudly Supports Australia’s Emergency Workers](https://luminarfinance.com.au/standing-beside-those-who-serve-luminar-finance-proudly-supports-australias-emergency-workers/): Standing Beside Those Who Serve: Luminar Finance Proudly Supports Australia’s Emergency Workers At Luminar Finance, we believe in giving back to the people who give everything. We are proud to announce our newest sponsorship of the Australian Police Football Association (APFA) – an organisation that brings together law enforcement professionals through sport, camaraderie, and community. This partnership marks another step in our ongoing commitment to support emergency service workers across Western Australia and beyond. As a Perth-based mortgage brokerage, Luminar Finance is more than just a home loan provider. We are deeply connected to the community we serve – and […]
- [How a Family Guarantee Could Help You Buy Your First Home in WA](https://luminarfinance.com.au/how-a-family-guarantee-could-help-you-buy-your-first-home-in-wa/): How a Family Guarantee Could Help You Buy Your First Home in WA Getting into the property market can feel out of reach for many first home buyers in Western Australia  – especially with rising property prices and the challenge of saving a 20% deposit. But did you know your parents or close family members might be able to help you get into your first home sooner, without handing over any cash? A family guarantee (also known as a guarantor home loan) is one way to boost your borrowing power and avoid paying Lenders Mortgage Insurance (LMI), making it easier […]
- [How to Prepare for Interest Rate Relief in W.A.](https://luminarfinance.com.au/how-to-prepare-for-interest-rate-relief-in-w-a/): How to Prepare for Interest Rate Relief in W.A. As the Reserve Bank of Australia signals potential interest rate relief on the horizon, many homeowners and prospective buyers are feeling a renewed sense of optimism. But while the idea of lower repayments is encouraging, this is also the perfect time to take proactive steps to ensure you are in the best position to benefit from any changes. Here is how to prepare for interest rate relief and make the most of the opportunities ahead. 1. Review Your Current Home Loan Now is a great time to reassess your mortgage. Are […]
- [Download Our Webinar - Pathway to Property](https://luminarfinance.com.au/download-our-webinar-pathway-to-property/): Download Our Webinar “Pathway to Property” At Luminar Finance, we regularly host online webinars designed to help you better understand the property market and make informed home loan decisions. Missed our latest session, “Pathway to Property”?No worries – you can still catch up. Simply fill in your details below to unlock instant access to the full recording and take the next step on your property journey. Watch Now What You Will Learn Why Enter the Property Market? Understand the long-term benefits of homeownership and get a snapshot of current market trends.   Credit Score Tips: Discover how your credit impacts […]
- [Why Refinancing Was the Best Thing I Did Last Year](https://luminarfinance.com.au/why-refinancing-was-the-best-thing-i-did-last-year/): Why Refinancing Was the Best Thing I Did Last Year (And Why It Might Be for You Too!) Thinking About Refinancing Your Home Loan in Perth? Let’s talk about something that could save you thousands of dollars, help you get ahead financially, and maybe even fund that dream bathroom reno — refinancing your home loan. If that sounds a bit dull, stay with me. This is one decision that could seriously change your life (like it did mine!). What Is Home Loan Refinancing? Refinancing means replacing your existing mortgage with a new one — either with your current lender or […]

## Pages

- [Port Hedland Draw](https://luminarfinance.com.au/port-hedland-draw/): Port Hedland 25-27th July 2025 Enter the Draw to Win a $200 Gift Voucher! JulyThank you for scanning the QR code at our Port Hedland Boulevard pop-up stall! Simply complete the short form below to: 🛍️ Enter the draw to win a $200 gift voucher (your choice of Bunnings, Kmart, or Woolworths). 📘 Receive a FREE Property Strategy Session + Pre-Approval Power Pack to kickstart your property journey. Winners announced on 31 July 2025 on our Facebook and Instagram pages. Enter your Details Disclaimer: By submitting this form, you agree to be contacted by Luminar Finance and LBBM Property Group […]
- [Webinar - Everything You Need to Know to Buy Your First Home ](https://luminarfinance.com.au/webinar-everything-you-need-to-know-to-buy-your-first-home/): WEBINAR Everything You Need to Know to Buy Your First Home 10/04/2025 6:00PM (AWST): Join our free webinar and learn how to navigate the property market with confidence! Our upcoming webinar, “Pathway to Property” is tailored to address all the questions first-time buyers like you may have as you prepare to purchase your first home Register What You Will Learn Why Enter the Property Market? Understand the long-term benefits of homeownership and get a snapshot of current market trends.   Credit Score Tips: Discover how your credit impacts loan approvals and ways to improve your score.   Saving for a […]
- [Contact Us](https://luminarfinance.com.au/contact-us/): Contact Us Home / Contact Us Get In Touch Contact Us Address Stirling Business Association45 Delawney St, Balcatta WA 6021(by appointment only) Phone 04 0547 6965 Email Address lola@luminarfinance.com.au Business Hours Mon – Fri : 09:00 AM – 17:00 PM Sat – Sun : Closed Your Details Let us know how to get back to you The privacy of your personal information is important to us.  By providing your personal information to Connective, you consent to be contacted by a representative of Connective from time to time for marketing purposes.  We will use your contact details to send you direct […]
- [Compliments and Concerns](https://luminarfinance.com.au/compliments-and-concerns/): Compliments and Concerns We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services. We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations. Compliments Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one. If one of […]
- [Disclaimer](https://luminarfinance.com.au/disclaimer/): Disclaimer   This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
- [Property Fees Calculator](https://luminarfinance.com.au/property-fees-calculator/): Property Fees Calculator Planning to buy a property? Use our calculator to estimate the fees and costs involved in your purchase Disclaimer: The information provided by this calculator is for illustrative purposes only, based on the assumptions and inputs provided. The calculations are estimates and do not account for additional expenses such as stamp duty, Lenders Mortgage Insurance (LMI), legal and conveyancing fees, or inspection costs. For an accurate assessment tailored to your specific circumstances, we recommend consulting with a mortgage broker. Confused About Your Loan Options? Get the Answers You Need Get in touch today and receive a complimentary […]
- [Extra Repayments Calculator](https://luminarfinance.com.au/extra-repayments-calculator/): Extra Repayments Calculator See how making extra repayments could save you money and shorten your loan term with our easy-to-use calculator Disclaimer: The information provided by this calculator is for illustrative purposes only, based on the assumptions and inputs provided. The calculations are estimates and do not account for additional expenses such as stamp duty, Lenders Mortgage Insurance (LMI), legal and conveyancing fees, or inspection costs. For an accurate assessment tailored to your specific circumstances, we recommend consulting with a mortgage broker. Confused About Your Loan Options? Get the Answers You Need Get in touch today and receive a complimentary […]
- [News](https://luminarfinance.com.au/news/): Luminar Finance Blog Stay updated with the latest mortgage and property market trends, insights, and newsEnjoying our articles? Follow us on Facebook to stay updated with the latest news and tips.
- [Borrowing Power Calculator](https://luminarfinance.com.au/how-much-can-i-borrow-calculator/): Borrowing Power Calculator Curious about your borrowing capacity? Use our calculator to estimate how much you can borrow for your next home Disclaimer: The information provided by this calculator is for illustrative purposes only, based on the assumptions and inputs provided. The calculations are estimates and do not account for additional expenses such as stamp duty, Lenders Mortgage Insurance (LMI), legal and conveyancing fees, or inspection costs. For an accurate assessment tailored to your specific circumstances, we recommend consulting with a mortgage broker. Confused About Your Loan Options? Get the Answers You Need Get in touch today and receive a […]
- [SMSF Loans](https://luminarfinance.com.au/smsf-loans/): SMSF Loans Other Services / SMSF Loans Take Control of Your Retirement Investment with SMSF Loan Solutions At Luminar Finance, we understand the importance of making strategic investment decisions for your retirement. Self-Managed Super Funds (SMSFs) offer a unique opportunity to take control of your financial future, and with the right loan, you can unlock the potential of property investments within your SMSF. Our SMSF loan options are designed to provide flexibility and competitive rates, giving you the tools to make informed decisions about your retirement investments Book Appointment SMSF Loans and Why Choose Luminar Finance Self-Managed Super Funds (SMSFs) […]
- [Business Loans](https://luminarfinance.com.au/business-loans/): Business Loans Other Services / Business Loans Fuel Your Business Growth with Flexible Business Loans At Luminar Finance, we understand that every business has unique needs and ambitions. Whether you’re looking to expand operations, purchase new equipment, or manage cash flow, having access to the right financing is crucial. Our tailored business loan solutions are designed to support your growth and success, offering competitive rates, flexible terms, and a straightforward application process. Let us be your financial partner, providing the support and guidance you need to achieve your business goals Working with Lola has been an excellent experience. She is […]
- [Car Loans](https://luminarfinance.com.au/car-loans/): Car Loans Home / Car Loans Drive Your Dream Car with Our Flexible Car Loan Options Navigating car finance can feel overwhelming, but it doesn’t have to be. At Luminar Finance, we streamline the car loan process, helping you get into your dream vehicle with confidence. Whether you are in the market for a new or used car, our team is here to help you find a loan option tailored to your specific needs and budget. With competitive rates, flexible terms, and personalised support, we ensure you can focus on the excitement of getting on the road while we handle […]
- [Construction Loans](https://luminarfinance.com.au/construction-loans/): Construction Loans Home / Construction Loans Financing Your Dream Build Building your dream home or undertaking a major renovation is an exciting venture, but it requires thorough planning. Construction loans are tailored to help you finance the construction process, from breaking ground to finishing touches. With flexible draw-downs and competitive rates, our construction loans are designed to support you at every stage of your project, ensuring you have the funds you need when you need them. Let us guide you through the financing process, so you can focus on bringing your vision to life. If you are looking for someone […]
- [Investment Property Loans](https://luminarfinance.com.au/investment-property-loans/): Investment Property Loans Home / Investment Property Loans Financing Your Path to Property Success Investing in property can be an effective strategy for expanding your investment portfolio, though it involves risks. Securing the right financing is key to achieving your financial goals. Whether you are purchasing your first investment property or growing your portfolio, it’s important to find a loan that aligns with your financial objectives. Our investment property loans offer competitive rates and flexible terms, but we recommend consulting a financial advisor to ensure they fit your individual needs If you are looking for someone to help you understand […]
- [Refinancing Loans](https://luminarfinance.com.au/refinancing-loans/): Refinancing Loans Home / Refinancing Loans Stop Overpaying: Is Your Mortgage Costing You Too Much? If your mortgage is costing you more than it should, it’s time to take action. Refinancing could lower your interest rate, reduce your payments, and save you money. Don’t overpay – explore your refinancing options today and start keeping more of your hard-earned cash. Working with Lola has been an excellent experience. She is knowledgeable, responsive and truly dedicated to helping her clients. Whether is navigating complex processes or providing valuable insights. She goes above and beyond to ensure everything runs smoothly. I highly recommend […]
- [First Home Buyers](https://luminarfinance.com.au/first-home-buyers/): First Home Buyers Home / First Home Buyers Start Your Home Ownership Journey Buying your first home is an exciting milestone, but navigating the mortgage process can be overwhelming. With our guidance and support, we will help you take the leap into homeownership with confidence, making your dream of a new home a reality If you are looking for someone to help you understand your investments and strategically align your financial needs with your personal goals I could not recommend a lending professional more. Lola has incredible knowledge in the home lending space as well as an exceptional standard of […]
- [Home](https://luminarfinance.com.au/): Guiding you towards your financial success Perth-Based Tailored Mortgage Solutions and Guidance You Can Trust Fast-Track Your Approval Streamlined Process No Hidden Fees Free Consultation Tailored Solutions Personalised Advice Lola Lumi Luminar Finance About Luminar Finance Guidance You Can Trust Luminar Finance was founded with a clear vision: to provide tailored financial solutions for busy Australians. Our founder, Lola Lumi, brings over a decade of experience in the banking industry, giving her a strong foundation in understanding the challenges and opportunities that clients face when seeking financing. Driven by a desire to make complex financial jargon easier to understand, Lola […]
- [Privacy Policy](https://luminarfinance.com.au/privacy-policy/): Privacy Policy At Luminar Finance, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.   What information do we collect and how do we use it? We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist […]


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