About

About us

L uxe Financial is a boutique finance broker providing home loans, credit advice and financial management services to residents and businesses in the Wollongong, Central Coast and Sydney areas.

We are dedicated to providing professional and prompt service. We are a family- owned and operated mortgage broker that prides itself on honesty and integrity. The company director’s combination of vibrancy, youth and experience are a refreshing change in today’s mortgage broking industry.

Luxe Financial understands and respects that your time is valuable and we work efficiently to achieve a great outcome for you. Our goal is to make arranging a loan easy and convenient, whilst providing you with the best solutions to your financial needs.

Our services are available to clients all across Australia. We also have a physical presence in Sydney and the South and Central Coasts of New South Wales. You can make an obligation-free appointment with us at a time and place that is convenient to you.

Why choose us?

L uxe Financial can assist you whether you're in the market for your first home, building a portfolio of investment properties, or simply want reassurance that your current loan is a good deal.

We have access to hundreds of loans from a wide range of Australia's leading lenders. Our knowledge and understanding of loan products ensures we are able to provide our clients with a range of options as well as a competitive interest rate and loan structuring advice. We go above and beyond just arranging a loan and focus on helping clients pay off their mortgage quickly, leverage debt to buy an investment property and to achieve financial goals. We are available to assist with custom budgeting, savings and money management strategies.

Luxe Financial can arrange more than a home or investment loan. We can also give you access to some great finance options on cars, trucks, plant and equipment to help you grow your business.


A professional, independently-owned mortgage broker for Sydney & Wollongong & the Central Coast

Luxe Financial is a family owned and operated business established by Melissa Charnock, a qualified accountant and mortgage broker. Although we have access to all the mainstream banks and lenders you may need, we are not owned by a large financial institution. In this way you can benefit from market-wide lender choice, with the assurance of a more personalised service, where your interests always come first.

Melissa lives in Shell Cove and services all suburbs on the South Coast including the following:

  • Shell Cove
  • Shellharbour
  • Flinders
  • Kiama
  • Minnamurra
  • Gerringong
  • Gerroa
  • Berry
  • North Wollongong
  • Stanwell Park
  • Coledale
  • Thirroul
  • Bulli
  • Balgownie
  • Figtree

Luxe Financial is client-focused

Operating in Sydney, Wollongong, Illawarra, Central Coast and the South Coast area, we make ourselves available for our clients whenever they need us. We value each and every client we work with, and you can look forward to a reliable long-term relationship that consistently delivers superior financial outcomes.

With Luxe Financial, we put you first above all and we make sure that you are well-informed, happy, and satisfied with any home loans, mortgages, or financial products we may recommend.