Mortgage brokers in Perth

Work with a mortgage broker in Perth to kickstart your home loan journey.

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Richard Whitten

Updated

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Key takeaways

  • A qualified mortgage broker can help you enter Perth's property market, whether you're buying your first home, refinancing or investing.
  • A good broker will give you multiple loan options based on your property goals.
  • Brokers get paid a commission from the lender. This means their service is free for you.

Leave your details and a Perth-based mortgage broker will get in touch

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Upfront consultation fee Lenders on panel
$0
30
Borrowers can get an upfront cashback of up to 0.1% of their home loan and an ongoing monthly cashback of up to 0.05% when they take out a loan through a LendUs broker.
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Loan Market logo
Loan Market
$0
60
Loan Market has more than 600 mortgage brokers on hand to help you find the right home loan
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Aussie logo
Aussie
$0
25
Aussie is a mortgage brand which has been helping Australian borrowers for more than 30 years and currently has more than 250 brokers nationwide.
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Rateseeker logo
Rateseeker
$0
30
An online mortgage broker which compares interest rates from more than 30 lenders.
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Finsure logo
Finsure
$0
35
Finsure has a large panel of lenders and offers flexible mortgage solutions for borrowers.
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Showing 5 of 7 results

How can I find a good broker in my area of Perth?

Meeting a broker in person and deciding how you feel about them is the most important step. But there are a few steps you can take to ensure your broker is right for you:

  • Are they accredited? Check that your broker has an Australian Credit Licence or is an Australian Credit Representative. They are also required to be a member of either the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA).
  • Do they have a broad lending panel? Brokers can't compare loans from all lenders (there are hundreds of options, so it would be impossible to represent them all). But most will have a large range of different types of lenders.
  • What level of service do they offer? The broker should do the hard work for you. But the more you know about the mortgage industry, the easier it is to know when your broker is really doing their best to help you.
  • Is the broker experienced? Chances are your broker has an online presence and previous customers who have left reviews of their experience. Read up on your broker's experience and ask friends for referrals.

How can a mortgage broker help me?

Mortgage brokers are qualified professionals who help borrowers find suitable home loans. After assessing your financial situation, a broker will present you with a choice of suitable loans from their panel of lenders.

Brokers are especially useful for borrowers who:

  • Feel stressed or overwhelmed.
  • Are buying soon and need finance quickly.
  • Have complex or unusual situations and find it difficult to get finance by approaching a bank directly.
  • Have multiple home loans.

Learn more about the mortgage broking process

Mortgage brokers are very popular with borrowers
According to the latest data from the Mortgage and Finance Association of Australia, 76% of new residential home loans in Australia at the end of 2024 originated with a broker. That means 1 in 4 borrowers take out a new home loan with the help of a broker.
Source: MFAA statistics

How does a mortgage broker get paid?

Instead of receiving payments from borrowers, mortgage brokers are paid commissions from lenders when they attract new business for a lender.

They receive an upfront commission when you take out a loan and a trailing commission every year that you still owe money on your mortgage.

This commission is usually around 0.5–0.8% of the loan amount upfront, so a $650,000 loan could generate a commission of $3,250 to $5,200.

Sources

Richard Whitten's headshot
Senior Money Editor

Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard started his career in education and textbook publishing in South Korea. He holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 674 Finder guides across topics including:
  • Home loans
  • Credit cards
  • Personal finance
  • Money-saving tips
More resources on Finder

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4 Responses

    Default Gravatar
    BrianMarch 20, 2023

    I am looking at a farm near Geraldton to commence breeding special type of Boer goats.
    The land is 1700 acre in size, sale price is $300000 and l have $100k in the bank.

    Can you help

      Richard Whitten's headshotFinder
      RichardMarch 24, 2023Finder

      Hi Brian,

      Finder is a comparison site. We offer general information for our readers but we do not offer loans directly. I’m sorry we can’t be more helpful.

    Default Gravatar
    ALDecember 27, 2022

    LOOKING FOR A PENSIONER /CENTRELINK HOME LOAN
    Can you give Starter advice please
    many thanks
    Al BODDY

      Rebecca Pike's headshotFinder
      RebeccaJanuary 7, 2023Finder

      Hi Al,

      If you currently receive Centrelink benefits, you may be able to borrow money from a bank for a small home loan. Getting in touch with a mortgage broker is also a good idea as they can help you find a loan in unique circumstances such as this.

      For more details on taking out a home loan while receiving Centrelink payments, you can check our guide here.

      We also have a guide on home loans for pensioners here.

      I hope this helps,

      Thanks,
      Rebecca

More guides on Finder

  • LendUs

    Use LendUs to find the right home loan and receive upfront and ongoing cashback for your loan. Simply fill out an online questionnaire to receive preliminary loan suggestions.

  • Rateseeker

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  • Loan Market

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  • Finsure

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    Check out our guide on the differences between mortgage brokers or applying directly via the bank. See which one will suit your needs.
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  • Mortgage Choice mortgage brokers

    Choose the right home loan with free expert help from Mortgage Choice.
  • Aussie

    Get home loan help with the mortgage experts at Aussie.
  • Loan Market

    A mortgage broker from Loan Market can compare loans from 60+ lenders.
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