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Western Australia

Mortgage Broker Perth

A Perth mortgage broker compares home loans from a panel of lenders, works out which WA concessions and federal schemes you qualify for, and manages the application through to settlement. It usually costs you nothing, because the lender pays the broker a commission when the loan settles. In Perth the 5% Deposit Scheme price cap is $850,000, and WA first home buyers pay no transfer duty on homes up to $600,000.

Prefer to talk first? Call 0455 221 921

How it works

What does a mortgage broker in Perth do?

They take a brief on your situation, compare lenders against it, manage the application and stay involved after settlement. The mortgage broker guide covers fees, the best interests duty and when you may not need one.

  1. 1

    Take a structured discovery brief

    An initial 30 to 45 minute call covering your income, deposit, existing debts, target purchase price and timeframe. For Perth buyers, this also captures any stamp duty concessions, first home buyer schemes, or guarantor arrangements that affect the structure.

  2. 2

    Run the panel

    Compare borrowing capacity and indicative rates across 50+ lenders. The output is a side-by-side rate, fee, and policy comparison showing which lenders will lend at your LVR, on your property type, in your postcode.

  3. 3

    Manage the application end-to-end

    Compile and submit the application, manage lender questions, coordinate the valuation and (where applicable) LMI process, and handle communication with your conveyancer through to settlement.

  4. 4

    Stay involved after settlement

    Annual rate reviews, refinancing if the market moves materially, and a single point of contact for any future borrowing or restructure. Most files are reviewed at the 12 and 24 month mark.

Home loan lenders a Perth mortgage broker can compare

Lenders in our directory that publish home loans. Rate cards are national, so a Perth broker compares the same lenders as a broker anywhere else; each broker has their own panel and a few lenders deal direct only, so ask a broker which of these they can lodge with.

Home loan lenders a Perth mortgage broker can compare: each lender's type, the products it offers and its current rate
Westpac Banking CorporationMajor bankProducts:
  • Variable
  • Fixed 2yr
  • Fixed 3yr
Current rate:
6.74%p.a.
6.84% p.a. comparison rate*
Fixed Rate 2 Years (Premier) · 2-year fixed in the Premier Advantage Package ($395 annual fee), owner-occupier P&I, loans over $150,000, LVR up to 70%.
UnloanMajor-bank brandProducts:
  • Variable
Current rate:
5.89%p.a.
5.80% p.a. comparison rate*
Live-In Home Loan · Live in (owner-occupier), P&I, up to 80% LVR; includes the 0.01% p.a. year-one loyalty discount; no Unloan fees.
ING AustraliaTier-2 bankProducts:
  • Variable
  • Fixed 2yr
  • Fixed 5yr
Current rate:
6.04%p.a.
6.07% p.a. comparison rate*
Mortgage Simplifier Variable · Mortgage Simplifier variable, owner-occupier P&I, LVR 60% or less (lowest tier), minimum total borrowings $150,000.
Macquarie BankTier-2 bankProducts:
  • Variable
  • Fixed 2yr
  • Investor variable
Current rate:
6.04%p.a.
6.29% p.a. comparison rate*
Offset Variable Home Loan · Offset Home Loan, owner-occupier P&I, LVR ≤60% (lowest tier); annual fee applies. Macquarie has announced a 0.25% p.a. increase to its variable rates effective 15 October 2026; this rate was captured before that date.
Bank AustraliaCustomer-ownedProducts:
  • Variable
Current rate:
6.13%p.a.
6.13% p.a. comparison rate*
Basic Home Loan · Basic Home Loan variable, owner-occupier P&I, LVR ≤60% (lowest tier); no establishment or annual fee.
Beyond Bank AustraliaCustomer-ownedProducts:
  • Variable
Current rate:
6.09%p.a.
6.44% p.a. comparison rate*
Total Home Loan Package Variable · Total Home Loan Package variable, LVR ≤60% (lowest tier); $395 annual package fee. Investment loans have a separate rate schedule.
Defence BankCustomer-ownedProducts:
  • Variable
Current rate:
6.24%p.a.
6.24% p.a. comparison rate*
Variable Home Loan · Premier Low Rate home loan, variable "from" rate (investor version priced separately); comparison on a $150,000 secured loan over 25 years.
IMB BankCustomer-ownedProducts:
  • Variable
  • Fixed 2yr
Current rate:
5.99%p.a.
6.02% p.a. comparison rate*
Budget Home Loan Variable · Budget Home Loan, owner-occupier P&I, LVR up to 70% (lowest tier); includes IMB's current discount margin.
Newcastle Permanent (Newcastle Greater Mutual Group)Customer-ownedProducts:
  • Variable
  • Fixed 2yr
  • Fixed 3yr
Current rate:
5.94%p.a.
5.98% p.a. comparison rate*
Real Deal Home Loan Variable · Real Deal Home Loan special rate for new borrowers (minimum loan size applies), owner-occupier P&I, LVR 80% and below.
Athena Home LoansDigital-firstProducts:
  • Variable
Current rate:
6.24%p.a.
6.24% p.a. comparison rate*
Straight Up · Straight Up variable, owner-occupier P&I, LVR 0-50% (lowest tier); no fees.
Show all 35 lenders
Home loan lenders a Perth mortgage broker can compare, continued
Australia and New Zealand Banking GroupMajor bankProducts:
  • Variable
  • Fixed 2yr
  • Fixed 3yr
  • Investor variable
  • Refinance
Current rate: ANZ rate card (opens in a new tab)
Commonwealth Bank of AustraliaMajor bankProducts:
  • Variable
  • Fixed 2yr
  • Fixed 3yr
Current rate: CommBank rate card (opens in a new tab)
National Australia BankMajor bankProducts:
  • Variable
  • Fixed 2yr
  • Fixed 3yr
Current rate: NAB rate card (opens in a new tab)
Bank of MelbourneMajor-bank brandProducts:
  • Variable
  • Fixed 2yr
Current rate: Ask a broker
BankSAMajor-bank brandProducts:
  • Variable
  • Fixed 2yr
Current rate: BankSA rate card (opens in a new tab)
BankwestMajor-bank brandProducts:
  • Variable
  • Fixed 2yr
  • Fixed 3yr
Current rate: Bankwest rate card (opens in a new tab)
St.George BankMajor-bank brandProducts:
  • Variable
  • Fixed 2yr
Current rate: Ask a broker
Suncorp BankMajor-bank brandProducts:
  • Variable
  • Fixed 2yr
Current rate: Suncorp Bank rate card (opens in a new tab)
UBankMajor-bank brandProducts:
  • Variable
  • Fixed 2yr
Current rate: UBank rate card (opens in a new tab)
Bank of QueenslandTier-2 bankProducts:
  • Variable
  • Fixed 2yr
Current rate: BOQ rate card (opens in a new tab)
Bendigo and Adelaide BankTier-2 bankProducts:
  • Variable
  • Fixed 2yr
Current rate: Ask a broker
ME BankTier-2 bankProducts:
  • Variable
Current rate: Ask a broker
Heritage Bank (People First Bank)Customer-ownedProducts:
  • Variable
Current rate: Ask a broker
People First BankCustomer-ownedProducts:
  • Variable
Current rate: Ask a broker
Police BankCustomer-ownedProducts:
  • Variable
Current rate: Ask a broker
Teachers Mutual BankCustomer-ownedProducts:
  • Variable
Current rate: Teachers Mutual rate card (opens in a new tab)
Bluestone MortgagesNon-bankProducts:
  • Variable
Current rate: Ask a broker
FirstmacNon-bankProducts:
  • Variable
  • Fixed 2yr
Current rate: Ask a broker
La Trobe FinancialNon-bankProducts:
  • Variable
  • Refinance
Current rate: La Trobe Financial rate card (opens in a new tab)
Liberty FinancialNon-bankProducts:
  • Variable
Current rate: Liberty rate card (opens in a new tab)
Pepper MoneyNon-bankProducts:
  • Variable
Current rate: Pepper Money rate card (opens in a new tab)
RedZedNon-bankProducts:
  • Variable
Current rate: RedZed rate card (opens in a new tab)
Resimac GroupNon-bankProducts:
  • Variable
Current rate: Ask a broker
Tic:Toc (now Tiimely Home)Digital-firstProducts:
  • Variable
Current rate: Tic:Toc rate card (opens in a new tab)
HSBC Bank AustraliaForeign bankProducts:
  • Variable
Current rate: Ask a broker

Inclusion is editorial reference, not a recommendation. Rates change often, so we only show a rate we captured from the lender's own page in the last 60 days, with a link to that page; otherwise we link to the lender's rate card where it publishes one. The broker you are matched with compares the lenders on their own panel.

* WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Home loan comparison rates are based on a secured loan of $150,000 over 25 years.

Perth market snapshot

Perth property prices and your deposit

Perth is Australia's fourth-largest city, and Keystart, the WA Government-backed lender, offers loans with a 2% deposit. On the indicative early-2026 median of $745,000, a 20% deposit is $149,000 and a 5% deposit is $37,250, before stamp duty and purchase costs.

With 20% down you pay no lenders mortgage insurance. With less, the choices are the 5% Deposit Scheme (capped at $850,000 in Perth), a family guarantee, or paying lenders mortgage insurance, and a broker prices each one for you.

Median dwelling value
$745,000

Indicative early 2026 figure across the Perth metro.

Median weekly household income
$2,030

Used by lenders alongside expenses to assess servicing.

Suburbs we cover
314+

Including Subiaco, Fremantle, Cottesloe and the rest of greater Perth.

What are the repayments on a Perth home loan?

Monthly principal and interest repayments over 30 years, by loan amount and interest rate
Loan amountMonthly repayment at
6%p.a.6.5%p.a.7%p.a.
$596,000$3,573$3,767$3,965
$671,000$4,023$4,241$4,464
$708,000$4,245$4,475$4,710

Illustrative monthly principal and interest repayments over 30 years, before fees and charges. Rates are examples, not offers; your rate depends on the lender and your circumstances. Loan amounts are 80%, 90% and 95% of the indicative Perth median of $745,000, rounded to the nearest $1,000. Run your own numbers.

Local schemes

Western Australia first home buyer schemes and stamp duty

Stamp duty concessions and grants are set by the state or territory government, and the 5% Deposit Scheme by the federal government. These are the rules that apply to a Perth purchase, as published on the linked pages when we checked them on 30 September 2026; confirm them before you sign, because budgets change the thresholds. A mortgage broker for first home buyers checks each one against your purchase.

First home owner rate of duty (WA)

No duty on a new or established home valued up to $600,000 and a concessional rate up to $800,000; vacant land is duty free to $450,000 with a concession to $550,000 (transactions from 7 May 2026).

Source: Government of Western Australia, 2026-27 Housing Taxation Package

First Home Owner Grant (WA)

$10,000 towards a new home. For homes south of the 26th parallel, including Perth, the value cap is $800,000 from 7 May 2026.

Source: WA Department of Treasury and Finance, first home owner grant; Government of Western Australia, 2026-27 Housing Taxation Package

Keystart

A WA Government initiative since 1989 that lends with a 2% deposit and no lenders mortgage insurance, within its own purchase price limits. Brokers can be accredited to lodge Keystart loans.

Source: Keystart, who we are; Keystart broker hub

5% Deposit Scheme

Eligible first home buyers can buy with a 5% deposit and no lenders mortgage insurance through a participating lender, up to $850,000 in Perth or $600,000 elsewhere in WA.

Source: Housing Australia, 5% Deposit Scheme price caps

Run the numbers for WA

WA first home buyer grantWA stamp duty calculatorWA home loans hub
Why this matters in Perth

What a Perth home loan broker checks locally

Major lender rate cards are national, but the policy overlay (LVR caps by postcode, valuation tolerances, accepted property types) and the WA rules are not. These are the Perth factors a broker working your file looks at:

  • At the indicative Perth median a first home buyer is inside the $800,000 concession band but above the $600,000 duty-free threshold, so the broker prices a reduced amount of duty rather than none.

  • Keystart or a bank loan under the 5% Deposit Scheme: both avoid lenders mortgage insurance, so the broker compares Keystart's rate, deposit and limits with the bank options before you choose.

  • The First Home Owner Grant cap for homes south of the 26th parallel, which includes Perth, rose to $800,000 from 7 May 2026, so more new builds qualify.

Choosing a broker

Who is the best mortgage broker in Perth?

There is no single best mortgage broker in Perth, and no regulator ranks them: the right broker depends on your loan. Recommendations from people you know and the broker associations are where Moneysmart suggests you start looking, and a recommended broker should still pass four checks.

1. They are licensed

Every mortgage broker must hold an Australian Credit Licence or be a credit representative of a licensee. Search their name or number in the Credit Licensee or Credit Representative list on ASIC's professional registers before your first meeting.

2. They compare a wide panel

Ask how many lenders they can lodge with, what kind of lenders they cannot access, and whether the major banks and the specialist non-bank lenders are both on the panel.

3. They tell you how they are paid

Commission from the lender is normal and must be disclosed in the credit guide; a fee to you must be set out in a written quote you sign first. The how mortgage brokers get paid guide lists what each major lender pays.

4. They have written loans like yours in WA

Ask how many first home buyer, refinance or investor loans like yours they wrote last year, and how they handle the WA concessions. Membership of the MFAA or FBAA adds the association's conduct standards, and MFAA members must hold the Diploma of Finance and Mortgage Broking Management or complete it within 12 months of joining.

Questions to ask a Perth mortgage broker

  • Are you a credit licensee or a credit representative, and what is the number?
  • Which lenders can you lodge with, and what kind of lenders can you not access?
  • How do you get paid for this, and does it differ between lenders?
  • Why is this loan in my best interests? Can you show me a couple more options, including the lowest-cost one?
  • Which WA concessions or grants do I qualify for, and have you included the stamp duty in my budget?
  • If I am refinancing, will you ask my current bank to match the offer before I switch?

The first four follow Moneysmart's guidance on using a mortgage broker. A broker who answers them openly, and shows you more than one option, is doing the job the best interests duty requires; the mortgage broker vs bank guide shows when going direct is the better call.

Mortgage broker or finance broker in Perth?

If you are buying or refinancing a home in Perth, the finance broker you want is a mortgage broker: they specialise in home loans and owe you the best interests duty. Car, business, equipment and personal loans are arranged by finance brokers too, under different rules; the finance broker guide explains who arranges what.

Perth suburbs

Perth suburbs we cover

Suburb-specific landing pages with local market context, postcode-list considerations, and broker workflow for each WA location below.

Perth CBD6000Subiaco6008Fremantle6160Cottesloe6011Joondalup6027Rockingham6168Mandurah6210Scarborough6019Cannington6107Mt Lawley6050Claremont6010Nedlands6009South Perth6151Leederville6007Como6152Bayswater6053Midland6056Armadale6112Wanneroo6065Belmont6104

Mortgage brokers in other capital cities

Same lender panel, local schemes and prices for each market.

Mortgage broker SydneyMortgage broker MelbourneMortgage broker BrisbaneMortgage broker AdelaideMortgage broker CanberraMortgage broker HobartMortgage broker Darwin

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a secured loan of $150,000 over 25 years for home loans, a loan of $30,000 over 5 years for car and personal loans, and $50,000 over 5 years for equipment finance, unless the lender states another basis.

Mortgage Broker Perth FAQs

Common questions from Perth home buyers and refinancers.

How much does a mortgage broker cost in Perth?
Usually nothing. Mortgage brokers in Australia are typically paid by the lender, with an upfront commission when the loan settles and a trail commission while it runs, and they must disclose it in their credit guide. If a broker wants to charge you a fee, Moneysmart notes it must be set out in a written quote that you sign before they provide the service.
Who is the best mortgage broker in Perth?
There is no single best mortgage broker in Perth and no official ranking; the best one for you is licensed, compares a wide panel of lenders, is open about how they are paid and has written loans like yours. Check their credit licence or credit representative number on ASIC's professional registers, ask how many lenders they work with and whether their pay differs between them, and ask them to show you more than one option with the reasons (Moneysmart's checklist). Reviews tell you about service, not whether the loan was the best one available.
How do I pick a good mortgage broker in Perth?
Start with recommendations from people you know or the broker associations (the MFAA and FBAA), which is where Moneysmart suggests looking. Then confirm the licence on ASIC's professional registers, ask which lenders they can and cannot access, how they are paid, and which WA concessions and grants apply to you. A good broker presents more than one loan and explains why each is in your best interests.
Is it worth using a mortgage broker in Perth?
For most borrowers, yes. The lender usually pays the broker, so the comparison costs you nothing; the broker must act in your best interests; and one application reaches a panel of lenders instead of one bank. It is worth the most for first home buyers working through the WA concessions and the 5% Deposit Scheme, self-employed borrowers and anyone with a less-than-perfect credit file.
Should I use a mortgage broker or a bank?
A broker, for most borrowers: a bank shows you its own loans, while a broker compares a panel of lenders and owes you a best interests duty that bank staff do not. Going direct can make sense when your own bank will match the best rate you can find for a simple loan, or when the loan you want is only offered direct.
How much do you need to earn for a $700,000 mortgage?
There is no single figure, because it depends on your living expenses, debts and dependants. At 6% over 30 years a $700,000 loan costs about $4,197 a month, and APRA expects banks to check you could still pay at a rate at least 3 percentage points higher, about $5,632 a month at 9%, after those costs. The borrowing power calculator runs that test on your own figures, and a broker can run it through several lenders, whose serviceability models differ.
What documents will I need for a home loan application in Perth?
Photo identification, two recent payslips (or two years of personal tax returns plus the latest notice of assessment if self-employed), three months of bank and savings statements, statements for any existing debts, and the contract of sale or property valuation if available. Self-employed applicants may also need BAS and a profit-and-loss statement.
How long does a home loan take to settle in WA?
For a clean, straightforward owner-occupied application with no complex servicing issues, settlement typically runs 4 to 6 weeks from contract date. Pre-approvals (also called conditional approvals) generally take 5 to 10 business days. Settlement timelines are driven more by conveyancing, valuation and lender workflow than by location.
Are interest rates different in Perth than in other capitals?
No. Major lender rate cards are national, with the same rate available regardless of capital city. What differs across cities is the LVR threshold for various lender products (driven by postcode-restricted lender lists) and the stamp duty payable, which is a state-level, not city-level, concession.
Can I use a Perth mortgage broker if I live in another city?
Yes. The broker network is national. Most files are processed by phone, email and video meeting; settlements are managed through the conveyancer and the lender. The broker's physical location does not affect the rate, the lender panel, or the application process.

Your Finance Guide works in conjunction with ALG Australian Lending Group (Australian Credit Licence 505575), which has a national lender panel of 50+ banks and non-bank lenders. Your Finance Guide is not itself licensed to provide credit assistance. The broker match is free to Perth borrowers: licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site, and lenders pay the broker an industry-standard commission, disclosed in writing before any agreement.

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