Perth Home Loan Mortgage Broker Experts -

Time to Own Your Perth Dream Home – Without the Stress

Perth’s property market is moving fast, with prices up 12% this year. Our award-winning team has helped 2,500+ first-time buyers secure their ideal homes with rates from 5.99% p.a. Whether you’re eyeing a beachside apartment in Scarborough or a family home in South Perth, we’ll make your homeownership journey seamless.

Why Perth’s Top Real Estate Agents Recommend Us

#1 Independent Broker in WA for 3 consecutive years
$750M+ in secured loans across Perth’s diverse suburbs
Average client savings: $52,000 over their loan term
32 lending partners offering exclusive rates for our clients

Your Success is Guaranteed

✓ Best Rate Promise: We’ll beat any comparable loan offer by 0.15% or pay you $500

✓ 4-Hour Response Guarantee: Expert answers when you need them

✓ Zero Hidden Fees: Complete transparency, always

✓ Lifetime Support: Annual reviews and refinancing assistance at no cost

Simple 4-Step Journey to Your Keys

1. Power Strategy Session (45 mins) – Same Day Available

Custom borrowing power analysis
Government grant eligibility check (up to $15,000 available)
Suburb growth potential assessment
Clear pathway to approval

2. Lender Match & Rate Negotiation (24-36 hours)

Access to exclusive broker-only rates
Side-by-side comparison of top 3 matched lenders
Feature analysis tailored to your goals
Pre-approval fast-track service

3. Swift Application Processing (5-7 days)

Dedicated settlement coordinator
Digital document submission platform
Real-time application tracking
Pro-active lender liaison

4. Settlement Success & Beyond

Property valuation coordination
Building inspection arrangement
Settlement day support
Complimentary annual financial review

Current Perth Market Insights – November 2025

Median house price: $688,000 (↑20.7% YOY)
First-home buyer average loan: $559,028
Government grants available: Up to $10,000
Minimum genuine savings: 3% of purchase price
Average approval time: 7 days

Real Results from Real Perth Buyers

“Using [Company] was the best decision we made. They found us an incredible rate and managed everything. We’re now paying $180 less per week than our rent!” — Tom & Sarah Mitchell First home in Canning Vale | Purchase price: $550,000 Rate secured: 5.99% | Saved: $42,000 over loan term

“From first call to settlement in 18 days. Their market knowledge helped us win at auction under reserve.” — James Chen Apartment in South Perth | Purchase price: $485,000 First-time buyer grant secured: $10,000

Exclusive Tools for Smart Buyers

Financial Calculators

Borrowing Power Calculator

Application Type:

Single Applicant Dual Applicant (Couples)

Select whether the loan application is for a single individual or a couple.

Annual Income Applicant 1: Secondary Income Applicant 1 (if any):

Monthly Living Expenses Applicant 1: Existing Monthly Debts Applicant 1:

Loan Term (Years): Interest Rate (%):

Borrowing Power Results

Grant Eligibility Checker

Are you 18 years or older?

Applicants must be at least 18 years old.

Is at least one applicant an Australian citizen or permanent resident?

At least one applicant must be an Australian citizen or permanent resident.

Have you or your spouse/partner received a FHOG or stamp duty exemption in Australia before?

Applicants must not have received a FHOG or stamp duty exemption previously.

Have you owned residential property in Australia before 1 July 2000?

Applicants must not have owned residential property in Australia before 1 July 2000.

Property Location:

Enter the total value of the property based on its location.

Is this a new home or an off-the-plan purchase?

The FHOG is applicable only for new homes or off-the-plan purchases.

Will you live in the property for at least 6 continuous months within 12 months of settlement?

Applicants must intend to reside in the property for a minimum duration.

Is the property valued at $450,000 or less for full exemption?

Properties valued at $450,000 or less qualify for a full FHOR exemption.

Is the property valued between $450,000 and $600,000 for concessional rate?

Properties valued between $450,000 and $600,000 qualify for a concessional FHOR rate.

Is the vacant land value $400,000 or less?

Vacant land valued at $400,000 or less is eligible for certain grants.

Is the property located south or north of the 26th parallel?

Property location affects the grant amounts and eligibility.

Will you apply within 12 months of completion?

Applicants must apply within a specified timeframe post-completion.

Do you have additional savings for a deposit beyond the $10,000 grant?

Having additional savings strengthens your grant application.

Does your household income fall within Keystart’s limits?

Keystart has specific income limits for eligibility.

Can you provide a minimum 2% deposit?

A minimum deposit of 2% is required for Keystart loans.

Eligibility Results

Contact Us Today

Download Now for Free: Ultimate First Home Buyer’s Checklist

Resources

Types of Home Loans Available

What Is A Fixed Rate Home Loan

How Home Loans Work: A Step-by-Step Guide

Common Home Loan Terms Explained

Glossary of Mortgage Terms for Perth Homebuyers

The Home Loan Application Process in Perth

What to Expect During Your Home Loan Approval

Timeline: From Home Loan Application to Settlement

Fixed vs. Variable Home Loans: Which Is Right for You?

Interest-Only Home Loans: Pros and Cons

Low Deposit Home Loans in Perth: Options and Requirements

Family Guarantee Home Loans: How They Work

Home Loan Eligibility Requirements for Perth Residents

Understanding Credit Score Impact on Home Loan Approval

Essential Documents for Home Loan Applications

Self-Employed? How to Qualify for a Home Loan in WA

How Interest Rates Affect Your Home Loan Repayment

Predicting Future Interest Rate Trends in Western Australia

Understanding Home Loan Application Fees

Stamp Duty in Perth: What Homebuyers Should Know

Hidden Costs of Home Loans You Should Be Aware Of