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lumaka finance

Updated 2026-09-26 · 1,716 reviewed · 444 listed · Scored from 30 Google reviews · How we rank ›

5.0(30) 82 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansMortgage BrokerRefinancingInvestment Property FinanceCommercial & Business FinanceSelf-Employed & Low-Doc LoansConstruction & Building LoansCar & Personal Loans
lumaka finance
Services
First Home Buyer Loans, Mortgage Broker, Refinancing
Reviews
30
Ranking
#181 in First Home Buyer Loans
Best for
Property buyers at any stage seeking rate negotiation and hands-off loan management.

Core details are sourced from this business's Google Business Profile (checked 2026-09-26). Website-sourced details were fetched 2026-09-26.

What do recent reviews say?

Sebastien at Lumaka Finance earns consistent five-star reviews over four years for his market knowledge, rate negotiation, and willingness to handle the legwork himself. Clients report he stays ahead of rate changes, checks in through every step, and builds decade-long relationships. First-time and experienced property buyers alike praise him for making complex finance straightforward.

Praised for
  • knowledgeable broker
  • proactive followup
  • negotiates best rates
  • explains clearly
  • long-term loyalty
  • personal touch
knowledgeable-brokergot-best-rateresponsive-communicationexplained-clearlyreliable-followupwent-above-and-beyondsmooth-settlementhandled-complex-situation
Best for: Property buyers at any stage seeking rate negotiation and hands-off loan management.

What are they good at?

  • Sebastien's 25+ years brokerage experience
  • proactively monitors rates and recommends changes
  • negotiates rates lower than direct bank contact
  • handles all paperwork and coordination

What reviews say by service

First Home Buyer Loans
Clients credit Sebastien with making first-home purchase process easy and securing better rates than available direct from banks.
Refinancing
Multiple reviews cite smooth refinancing experiences with proactive rate-change recommendations and negotiated savings.
Investment Property Finance
Clients praise Sebastien for navigating investment property loans with the same expertise as home loans.
Self-Employed & Low-Doc Loans
The business lists low-doc and lite-doc loans for self-employed; however, no reviews specifically address this service.
Construction & Building Loans
The business claims to offer construction project funding; however, no reviews specifically address this service.
Mortgage Broker
All 20 reviews praise brokerage service, emphasizing rate negotiation, product knowledge, and proactive client management.

How it compares

  • Rated 5 against a 4.91 average across the 339 first home buyer loans businesses listed here.
  • Has more Google reviews than 60% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 97
Review volume 65
Review recency 92
Review sentiment 82
Profile completeness 75
Verification 30

Rating breakdown

5
30
4
0
3
0
2
0
1
0

FAQ

How long has Sebastien been a mortgage broker?
Sebastien has 25+ years of brokerage experience and has worked with long-term clients for 12-20 years each.
Can Sebastien get me a better rate than applying to the bank directly?
Multiple clients report rates lower than they could negotiate themselves; Sebastien shops your profile across multiple lenders.
Does Sebastien stay involved after settlement?
Yes. Clients report he proactively checks in about rate changes and recommends refinancing when rates fall, without being asked.

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Asia at Resolve Finance has won over first-home buyers and refinancers with informed advice and genuine care for their outcomes. She handles complex applications, keeps clients informed every step, and makes herself available throughout deals.

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Scarborough Finance
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Scarborough Finance

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Jaime the team stands out for taking time to understand complex applications and walking clients through every step. Reviewers consistently praise responsiveness, honesty, and the ability to secure loans others said no to-particularly for overseas self-employment income and challenging first-home-buyer scenarios across Perth suburbs.

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Bolt Financial
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Bolt Financial

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One reviewer praised a broker named the team for deep knowledge and consistent deal-finding. Another reported being charged undisclosed fees and denied a refund, with management unresponsive. Only two reviews available, spread nine years apart, so recent performance is unclear.

First Home Buyer LoansMortgage Broker

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Last updated 2026-09-26