A mortgage broker for Perth borrowers, on a national lender panel.
A mortgage broker covering home loans, refinancing, investment and SMSF lending for Perth and WA. Delivered virtually. Same panel, same broker, no in-person office in WA.
How the service works for Perth clients.
Every meeting is by video or phone. Document collection is by secure upload. Loan and supporting documents are e-signed. Submission to the lender is electronic. Physical proximity does not change processing time on any major Australian lender.
A typical Perth file runs across three contact points. An introductory call to map income and target. A working session to compare lender options. A submission walkthrough and updates by email until settlement.
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.
There is no Perth shopfront. The lender panel is national.
The practice does not operate a Perth office. WA clients meet the broker by video. The model has been virtual for years and is not a stopgap.
Lender access does not depend on broker postcode. The panel is national. Perth owner-occupier and investment files are submitted, priced and assessed on the same lender policies as a Melbourne file.
- Same 50+ lender panel.
- Same broker, the whole way through.
- No upfront fee for residential lending.
- Same Credit Guide before any submission.
Loans we arrange for Perth borrowers.
Owner-occupied home loans
Variable, fixed, split, offset. Perth owner-occupier files commonly land in the lower-to-mid range of the practice average 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, P&I, portfolio structuring. 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
Through the same panel where it makes sense. Less common than residential, but available when needed.
The 50+ lender panel for Perth borrowers.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, LVR and loan purpose, not on the broker's home state.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
Loan profile we see most often.
Perth loan sizes typically sit below Sydney and inner Melbourne. Average ticket sizes across the practice 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 second-largest cohort. 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.
SMSF and broker fees explained.
End-to-end for WA trustees.
30+ SMSF loan clients across the practice. Perth trustees access end-to-end SMSF lending and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
No upfront fee on residential.
Broker commission is paid by the lender on settlement. The arrangement is disclosed in the Credit Guide before any application is submitted. Commercial and SMSF can carry advice fees, agreed in writing before work starts. WA first-home buyers should also have a look at the first home buyer page on the federal and state schemes.
What Perth borrowers usually ask first.
Continue reading
- All broking servicesFull pillar page. Every product, full scope, every state.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, LVR positioning, 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.
A first conversation. Income, deposit, target property if you have one. The same call Perth clients have had with us for years.