Top Rated Home Loan Specialists

Whether you are buying or selling residential, rural, or commercial property, our Perth settlement agents and conveyancers can assist in all matters relating to property settlements and conveyancing. If you’re looking for a professional conveyancing and settlement agent in Perth, contact our professional conveyancing team today. We can assist you with all aspects of your settlement, from preparing the contract of sale to finalising the settlement itself. We can also provide advice and representation in relation to any disputes that may, unfortunately, arise during or after your settlement.
Important informationThis page gives Self Employed Home Loans Perth general information about the Australian Government Help to Buy Scheme. To apply for the Scheme, you’ll need to speak to a Participating Lender. They’ll look at your individual situation and let you know if you’re eligible. Before you make an offer, it's a good idea to consider seeking independent legal and financial advice. Your conditional approval confirmation letter will outline important details you need to know, such as your maximum purchase price, so you have a clear idea of what's possible.

Access to  the "first home buyers mortgage deduction scheme", as it has been called, is limited to five years and participants would only be able to claim back the interest paid on the first $650,000 of their mortgage. Orange Mortgage & Finance Brokers is a boutique firm based in North Perth. With over 11 years of experience helping West Australians secure home financing, Laszlo brings a wealth of knowledge from his background in Engineering, Commerce, and 20 years in global finance. The strongest buyers are not always the buyers with the highest budget. If clearance rates are rising in your target suburb, prepare for stronger competition.
As always, the markets will be fragmented - and I see the rest of 2026 playing out in two distinct phases, with the Budget and higher interest rates adding weight to the second half in particular. Strategic investors who buy well-located, investment-grade properties and hold them for the long term will continue to outperform. You should talk to participating lenders about your individual circumstances. To apply for a First Home Loan, you need to choose a participating lender and complete their loan application form. This is a cycle that will reward strategic, evidence-based decisions, not FOMO buying or chasing hotspots. On the other hand, B- and C-grade properties risk underperformance once the market moderates.
A property will only be sold if it has its own title at the time of application, or a subdivision is possible and funding is available to subdivide parent titles. Purchasers will receive a discount for certain approved capital improvements they have made to the property. Family members can assist with the purchase regardless of whether they own their property or not.

The long-term cost of the mortgage is far more important than a one-off bonus. A loan with a slightly higher interest rate can cost you tens of thousands of dollars more over time, quickly wiping out the benefit of a few thousand dollars in cashback. "By again increasingthe first home buyer stamp duty exemption and concession thresholds, we areresponding to  Perth's rapidly changing housing market to provide more relieffor more first home buyers. Even Melbourne, a poorer performing housing market with a hated State Government investor tax, was above its $950,000 cap, revised from $800,000, with its house prices edging up by 2.5 per cent over the year to $953,454.
Perth is one of Australia's fastest-growing cities — and with that growth comes an increasing demand for quality new homes built by builders who understand the local market. Home Group has been building homes for Western Australian families for decades — from Perth's northern growth corridors to the southern suburbs and the Peel region. As one of Western Australia's most recognised residential builders, we combine award-winning home designs with deep local knowledge to deliver homes that genuinely suit the Perth lifestyle and climate. Orange’s approach is personalised, offering clients tailored advice based on their unique circumstances.

Some participating banks and lenders may allow you to build a new home with a First Home Loan. “I think the thing we’re more worried about is lack of transaction activity. So even if prices moderate, it’s not just impacting buyers, it’s impacting sellers as well. News.com.au reported last week that the changes had seen banks issue new  guidance to brokers about the reduced borrowing capacity of investors, with one broker saying negative gearing could slash loan amounts by per cent. Treasury has predicted the changes could slow property price growth by 2 per cent – meaning they would still rise, but not as much.
Whether you’re looking for a first home buyer home loan or evaluating options with the best mortgage broker for first time buyers, our team supports every step. Consult with financial advisors or mortgage brokers to understand your borrowing capacity and the best home loan options for your situation. Partnering with a broker for first home buyers provides clarity when  comparing lenders, loan features, and first-time buyer incentives.
Eligible customers receive conditional approval in as little as 10 minutes. Eligible customers receive conditional approval in as little as 10 minutes when they apply online. Nothing brings us greater joy than helping our clients get the property they want. Even new builds can have construction defects, non-compliant work, or hidden pest risks. An inspection helps ensure your property meets standards before you move in.

In another scenario, a rate cut earlier than May would lead to house price growth in every state, including up to 20 per cent growth in Perth and 16 per cent in Brisbane. Under the SQM report's other three scenarios for the nation's housing market in 2025, prices range from 20 per cent growth in Perth to a 10 per cent decline in Sydney. "Our house price leading index still points to solid price growth over the coming months and we should get some support from rate cuts," he said. The report presents four scenarios based on different government policies and global economic trends to predict house price growth and decline.
And the repayments would be a whopping $8,091 per month or around $2,000 a week. In the nation's capital, the price cap has increased from $750,000 to $1 million. The average income for a single person is still lower at $100,479 but there is a significant wage gap, allowing couples to qualify.

Gerry can also help you with reducing interest rates, repayments or advice on paying off your home sooner. Refinancing your loan so it works better for you can help save your money or give you the money to renovate, buy a new car or go on holiday. We’ve helped Perth locals from all walks of life and borrowing scenarios. From first home buyers borrowing with 5% deposits, right  through to multiple property purchase transactions in the millions, we’ve done it all.
This commission can be an upfront payment, usually around 0.65% – 0.70% + GST of the loan amount, and sometimes an ongoing trail commission of approximately 0.1% to 0.3% annually. The team at Strategic Mortgages Perth are some of Perth’s most sought-after mortgage brokers in WA. A division of Strategic Property Group, and supported by Strategic Settlements, Strategic Mortgages Perth is WA’s only full-service Mortgage Broking firm. The right strategy is not always about winning the property at any cost. It is about buying the right property at a price and repayment level that supports long-term financial stability. In March 2026, the RBA reported average new owner-occupier housing loan rates at 5.91%, with new owner-occupier principal-and-interest loans averaging 5.85%.