“Freyja was an absolute delight to deal with during our loan process. She was so patient with us, explained everything we needed to know and took us through the whole process right until the handover! Have been referring Freyja to all our family and friends!”
Comparing 30+ lenders to find you the best deal
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La Trobe FinancialME BankMyStateBank of QueenslandHeritage BankTeachers MutualAussie Home LoansAFGFirstmacAdvantedgeCitibankHSBCubankGreat Southern BankP&N BankGateway BankAustralian UnityLa Trobe FinancialME BankMyStateBank of QueenslandHeritage BankTeachers MutualAussie Home LoansAFGFirstmacAdvantedgeCitibankHSBCubankGreat Southern BankP&N BankGateway BankAustralian Unity
Financial Solutions
Our Specialised Services
Luminous Finance Solutions offers tailored loans designed to meet your specific needs, with competitive rates and personalised terms to help you achieve your financial goals.
Home Loans
Personalised Financing for Every Buyer
Our personalised home loan solutions ensure you find the perfect mortgage to fit your needs and budget. We guide you through every step for a smooth and stress-free experience.
Low Interest RatesFirst Home BuyersFlexible Terms
Get A Free ConsultationBusiness Loans
Flexible Funding to Grow Your Enterprise
Our flexible business loans provide the capital you need to expand and thrive. Tailored to your unique requirements, we offer competitive rates and terms designed for success.
Quick ApprovalEquipment FinancingExpansion Capital
Get A Free ConsultationCommercial Loans
Strategic Financing for Business Properties
Our strategic commercial loans are designed to help you expand and optimise your business operations. We offer expert guidance and competitive terms to meet your specific needs.
Property AcquisitionDevelopment FundingRefinancing
Get A Free ConsultationSMSF Loans
Secure Investment for Your Retirement
Our SMSF loans provide secure investment opportunities for your retirement. With professional advice and tailored solutions, we help you make the most of your self-managed super fund.
Retirement PlanningInvestment PropertiesCompliant Structure
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Lending Partners
Meet Your Dedicated Expert
The Expert Driving Your Financial Success
Industry Expertise
I'm Freyja Chen from Luminous Finance Solutions, with more than ten years' experience in banking and finance. I specialise in discovering unique lending solutions that help clients advance in their financial journey.
Personalised Approach
I focus on each client's individual needs and guide them through every step of the process with excellent communication skills and a can-do attitude. With a passion for real estate and finance, I stay updated on market trends and leverage my expertise to simplify the lending process.
Professional Qualifications
I hold a Master of Commerce and a Diploma of Finance and Mortgage Broking Management. I'm a member of the Australian Financial Complaints Authority (AFCA) and the Mortgage and Finance Association of Australia (MFAA). Let's work together to build a brighter financial future!
Why People Trust Us
The Luminous Advantage
We pride ourselves on our commitment to excellence, integrity, and personalised service that puts your financial goals first.
Competitive Rates
We compare options across our panel of 30+ lenders to find the most competitive rates available for your specific financial profile.
Tailored Solutions
Your financial journey is unique. We design custom financing solutions aligned with your specific goals, timeline, and risk profile.
Expert Guidance
With more than ten years of experience in banking and finance, Freyja combines deep industry knowledge with a personalised, hands-on approach.
Efficient Process
A streamlined application process means less paperwork and faster turnaround — so you can focus on what matters while we handle the detail.
Ongoing Support
We stay with you beyond settlement — with regular check-ins and refinancing guidance when market conditions improve.
Clear Communication
Finance doesn't have to be confusing. We explain every step in plain language so you can make informed decisions with confidence.
Client Success Stories
What Our Clients Say
Discover how our tailored financial solutions have transformed the lives and dreams of our valued clients.
“Freyja has been very professional and helpful through the loan application process, she was able to provide me with options through different institutions and giving the right suggestions according to my requirements. Thanks Freyja!”
“I highly recommend Freyja! She provided prompt and high quality service. She's very approachable and helpful with any questions or issues you have. I'm very happy with my experience.”
Excellent on Trustpilot · 30+ Reviews
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Your dedicated broker is ready to create a customised plan that aligns with your goals and sets you on the path to success.
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