Guiding and Growing Your Finances & Wealth
Lumos Financial offers tailored mortgage solutions to help you secure your dream home efficiently and with confidence. Let us guide you through the process with expertise and tailored financial & loan solutions personalised just for you.
We help you Protect and Enable Your Unique Needs.
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Loans written. Leverage our comprehensive experience.
Discover our commitment to your financial success.
As finance professionals with over 20 years of banking experience in Commercial Banking, Corporate Banking, Premier and Private Bank, we deeply understand the entire loan process. Our unique background includes working on both the client-facing and credit approval sides of the bank, giving us the expertise to structure your deal for the best possible outcome.
At Lumos Financial, we believe that securing a mortgage shouldn’t feel like navigating a maze in the dark. Our name, “Lumos“, Latin for light, is precisely what we aim to bring to your home loan journey – clarity, guidance, and peace of mind.
We Listen: We take the time to deeply understand your unique situation—whether you’re a first-time buyer, a seasoned investor, or looking to refinance.
We Search: We compare home loan options from a wide network of Australia’s leading banks and specialist lenders, ensuring you get a truly competitive choice.
We Simplify: We understand how things can seem complex and confusing, and always seek to make things easy to understand so you can make confident decisions.
We Manage: From the initial application to settlement day, we handle all the paperwork and negotiations, saving you time and stress.
Your financial journey is unique, and you deserve a partner who is committed to securing your best outcome. Click below to start a discussion with us on your needs:
Our Comprehensive Financial Services
Residential Home Loans
Commercial Loans
Debt Consolidation
Expatriate and Foreign Income Lending
Construction Loans
Bridging Loans
Asset Financing and Leasing
Business Loans
Vehicle Loans and Leasing
Trust Loans
Self Managed Super Fund Lending
First Home Buyer Support and Lending
The Australian Government’s First Home Guarantee has undergone significant changes as of October 1, 2025, to make it more accessible. The key changes include removing income caps, offering unlimited spots, and increasing property price caps in most areas.
Key changes as of October 1, 2025, include:
– No income caps: The previous income limits have been removed, so all
first-home buyers are now eligible.
– Unlimited spots: There’s no longer a cap on the number of available places.
– Higher property price caps: The maximum property value has been increased in most areas, allowing for a wider range of homes.
To qualify, you must be a first-home buyer or not have owned property in Australia in the last 10 years, and the property must be one you plan to live in. The home’s price must also be within the scheme’s set caps for your area.
Contact us for an assessment of your eligibility and a discussion of the application process.
We leverage over two decades of experience to provide you with unparalleled and tailored mortgage solutions.
Every client is unique; we take the time to understand your circumstances, and design a mortgage strategy that fits you.
We handle all the intricacies of the mortgage process, simplifying your journey and eliminating unnecessary stress.
Take the First Step Today
Contact us to discuss your unique financial needs and let us secure the best mortgage options for you.
Copyright © 2025 Lumos Financial Pty Ltd. ABN: 94 690 373 356. Credit Representative 118184 is authorised under Australian Credit Licence 44719
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.
