A mortgage broker for Perth borrowers, on a national lender panel.
A mortgage broker for Perth and WA, covering home loans, refinancing, investment loans and borrowing inside super. It all runs over video and phone. There is no office in WA, and it makes no difference to the loan you end up with — the lender panel is national and so is the pricing.
How it works if you’re in Perth.
Every meeting happens over video or the phone. You upload your documents securely, sign everything online, and we lodge it to the lender electronically. Being in the same room has never once made a lender go faster.
A typical Perth job takes three conversations. A first call to work out what you earn and what you are after. A working session to go through the lender options. Then a walk-through of what we are lodging, and email updates until it settles.
Perth sits two to three hours behind the eastern states. We hold morning slots from 7am Perth time and afternoon slots through to 5pm Perth time, which works for most WA-based professionals.
No office in Perth. The lender panel is national.
We don’t have an office in Perth, and we won’t pretend otherwise. WA clients meet us over video. That is how we have run for years — it is not a stopgap.
Which lenders we can reach has nothing to do with our postcode. The panel is national. A Perth home loan or investment loan is lodged, priced and assessed under exactly the same lender rules as one from down the road in Melbourne.
- The same 50+ lenders.
- The same broker the whole way through.
- Nothing to pay us on a normal home loan.
- The same Credit Guide before anything is lodged.
Loans we arrange in Perth.
Owner-occupied home loans
Variable, fixed, split, offset. Perth owner-occupier files commonly land in the lower-to-mid range of our usual loan size, with the western suburbs sitting at the higher end.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. WA mortgages older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme and WA state assistance, including Keystart eligibility where it fits. Common across Ellenbrook and Forrestfield.
Investment property loans
Interest-only or paying it down, and how to line up more than one loan. Many Perth clients buy interstate as well, particularly into Brisbane and Adelaide.
Commercial property loans
Owner-occupier commercial and investment commercial. WA self-employed clients with stable cash flow are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. WA trustees treated identically to Melbourne files.
Construction and bridging
Progress draws, end debt, short-term bridging. Common across Perth growth corridors and on coastal corridor knock-down rebuilds.
Car and personal loans
From the same panel of lenders, when it stacks up. Less common than home loans, but we do it.
The lenders we compare.
More than 50 lenders through Outsource Financial. The six below are the ones we use most. Lending inside super goes to a smaller, more careful group of specialists. Which lender suits you depends on your finances, how much you’re borrowing against the place, and what it’s for — not on where your broker lives.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The loans we see most often.
Perth loan sizes typically sit below Sydney and inner Melbourne. Most of our loans land between $500,000 and $800,000, and Perth owner-occupier files often sit in the lower half. The home loan repayment calculator is the easiest first read on what that looks like monthly. Western suburbs files through Cottesloe, Subiaco and Claremont run higher and sometimes meaningfully so.
Investment lending is the next biggest group. Perth investors increasingly buy interstate, particularly into Brisbane and Adelaide. The coordination on that work runs the same way regardless of asset location.
Refinancing volume is meaningful. WA mortgages held for more than two years are very often above market, both because rates have moved and because retention pricing inside the major banks rewards the inattentive borrower in the opposite direction. The refinance break-even tool usually settles whether a switch is worth the work.
Borrowing inside super, and what we get paid.
Both halves, for WA trustees.
30+ SMSF loan clients on the books. Perth trustees get the lending and, where it matters, the wider advice from the one adviser — worked through with your accountant.
Nothing to pay on a home loan.
The lender pays us when the loan settles. It is all set out in the Credit Guide before we lodge anything. Commercial and SMSF work can carry a fee, and if it does we agree it with you in writing before we start. WA first-home buyers should also have a look at the first home buyer page on the federal and state schemes.
What people in Perth ask first.
Keep reading
- All broking servicesThe main page — every kind of loan, all of Australia.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, how much to borrow, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for WA trustees.
- Perth financial plannerVirtual financial planning across WA.
- Perth buyer's agentWestern suburbs, coastal corridor, eastern growth coverage.
Start with a free first call.
Just a conversation. What you earn, what you have saved, and the place you have got your eye on if there is one. The same call Perth clients have been having with us for years.