Perth borrowers get treated by east-coast institutions as an afterthought — call centres on the wrong clock and policies written for other markets. Meanwhile WA’s market and income patterns (FIFO rosters, site allowances, contractor arrangements) are exactly the things lenders assess most differently from one another. Choosing the right one is worth real money here.
What we help Perth clients with
- Buying — first homes, upgrades and investment purchases across Perth and regional WA.
- Refinancing — a free review against 40+ lenders. If your deal’s already sharp, we’ll tell you straight.
- FIFO and resources income — allowances, rosters and contract structures are read very differently across lenders; we know which ones count your full income.
- First home buyers in WA — federal deposit schemes plus WA’s first home owner grant and duty concessions, checked against current criteria before you commit.
- Self-employed lending — ABN holders, contractors and small operators across the state.
FIFO income tip: two lenders can look at the same payslip and reach borrowing-power figures tens of thousands of dollars apart, depending on how they treat allowances and roster patterns. Never take one bank’s “no” — or one bank’s number — as the market’s answer.
Fully online, on your clock
Phone, video and secure online signing, with appointments that respect the time difference — including evenings and roster-friendly slots. One broker compares the market, lodges the application and manages it to settlement. In almost every case it costs you nothing: the lender pays us on settlement, disclosed in writing up front.
Start with a free game plan call
A no-pressure phone or video chat about your WA purchase or refinance — scheduled for Perth time, including evenings. No obligation.
Book your free game plan callFrequently asked questions
Do I need to meet a broker in person?
No — the entire process runs by phone, video, email and secure online signing, and that’s how most of our Perth clients prefer it. You get the same comparison, the same broker managing everything to settlement, without taking time off work.
Does it matter that your office isn’t in Perth?
Lending policy is national — the lenders, schemes and assessment rules we work with in Perth are the same ones every local broker uses. What varies is state grants and stamp duty, which we deal with across every state daily. Distance changes nothing about the outcome; responsiveness is what matters, and you’ll have your broker’s direct line.
What does it cost?
In almost every case, nothing. The lender pays us a commission once your loan settles, disclosed to you in writing before you commit — and we’re paid roughly the same across the major lenders, so our advice isn’t bought.
This page is general information only and does not take your personal circumstances into account. It is not financial or credit advice. Government schemes, lender policies and rates change over time and eligibility criteria apply. Speak with us for advice tailored to your situation.