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Mortgage brokers in Joondalup: ranked picks

mortgage broker in Joondalup, Perth

Joondalup has a dense cluster of mortgage brokers serving Perth's northern suburbs, from first-home buyer specialists to full lending teams that handle refinancing, construction loans and investment finance. The picks below are ranked using our methodology, drawing on review volume, recency and sentiment to surface brokers who consistently deliver clear communication and follow-through, not just a good rate on paper.

Most of these brokers cover the wider northern corridor, from Joondalup and Currambine out to Yanchep and beyond, and several work with new-build finance for the area's ongoing land releases as well as standard purchases and refinances.

29 businesses, scored on rating, review volume, recency, sentiment and listing completeness. How we score › · View on map ›

At a glance

#BusinessScoreRatingFromBest for
1Aussie Home Loans Joondalup955 (384)Complex or declined loans
2Fox Mortgage Services955 (264)First-home buyers
3ANZ Mobile Lending Joondalup955 (206)Repeat clients, refinancing
4Prospar Finance945 (166)Self-employed and construction loans
5Mortgage Choice in Joondalup - Danni Russell & Annik Brain935 (147)Face-to-face guidance
6Harcourts Alliance934.9 (1420)Property sales plus finance
7Mortgage Choice Joondalup - Shan Bott, Chris Brown, Todd Kahane, Mark Carruthers & Leonie LeCras895 (52)Land and build finance
8Rely Finance895 (46)Personal, hands-on service
9Mortgage Express - Michelle Mule885 (36)first home buyer
10Resolve Finance - Joondalup865 (61)first home buyer
11LnL Finance865 (69)first home buyer
12Vevo Financial Services835 (31)first home buyer
13Mortgage Focus835 (10)first home buyer
14Clear Vision Finance815 (21)first home buyer
15Encharge Capital804.8 (23)first home buyer
16LUDA Financial Solutions805 (39)first home buyer
17Mortgage Choice Joondalup - Jenni Adams805 (15)first home buyer
18Mortgage Companion Joondalup745 (3)first home buyer
19McKinley Plowman724.3 (50)first home buyer
20Mortgage Choice Joondalup - Mark Terhoeve705 (3)first home buyer
21BGW Mortgage Brokers705 (3)first home buyer
22Mortgage Hub WA705 (3)first home buyer
23Aussie Home Loans - Elaine Awad685 (3)first home buyer
24MyKey Financial Solutions - Mae P-Field653.7 (3)first home buyer
25Mortgage Choice Joondalup - Emma Tyler645 (1)first home buyer
26Saint Finance-Jason Douglas635 (2)first home buyer
27Mortgage Broker Joondalup - Mortgage Offers26first home buyer
28Thrive Broking26first home buyer
29Mortgage Choice in Ocean Reef22first home buyer

Ranked picks

1
Aussie Home Loans Joondalup

Aussie Home Loans Joondalup

score 95/100
5 from 384 reviews
Complex or declined loansresponsive communicationsmooth settlementexplained clearly

Named brokers Michael, Phil and Isabelle are praised for fast approvals and staying involved through settlement, even after banks say no.

2
Fox Mortgage Services

Fox Mortgage Services

score 95/100
5 from 264 reviews
First-home buyersresponsive communicationgot best ratesmooth settlement

Paul's team draws on banking experience to explain options clearly and keep working until tricky applications succeed.

3
ANZ Mobile Lending Joondalup

ANZ Mobile Lending Joondalup

score 95/100
5 from 206 reviews
Repeat clientsrefinancingresponsive communicationknowledgeable broker

Sallie Williams, Ryan, Lisa and Kirsty have kept clients coming back for over 10 years with no branch visits needed.

4
Prospar Finance

Prospar Finance

score 94/100
5 from 166 reviews
Self-employed and construction loansresponsive communicationgot best ratesmooth settlement

Pan Zhe personally answers calls and emails and sticks with hard cases, including a construction loan that took 9 months to land.

5
Mortgage Choice in Joondalup - Danni Russell & Annik Brain

Mortgage Choice in Joondalup - Danni Russell & Annik Brain

score 93/100
5 from 147 reviews
Face-to-face guidanceresponsive communicationexplained clearlyfast approval

Danni and Annik meet clients in person and chase lenders when approvals stall, with one client calling Annik's pursuit of a deal relentless.

6
Harcourts Alliance

Harcourts Alliance

score 93/100
4.9 from 1420 reviews
Property sales plus financeresponsive communicationwent above and beyondsmooth settlement

A large, warmly reviewed team covering sales, rentals and property management across Perth's north with named staff answering after hours.

7
Mortgage Choice Joondalup - Shan Bott, Chris Brown, Todd Kahane, Mark Carruthers & Leonie LeCras

Mortgage Choice Joondalup - Shan Bott, Chris Brown, Todd Kahane, Mark Carruthers & Leonie LeCras

score 89/100
5 from 52 reviews
Land and build financeresponsive communicationgot best ratesmooth settlement

Todd, Shan and Chris juggle multi-stage land-plus-build deals with daily updates and negotiated rates.

8
Rely Finance

Rely Finance

score 89/100
5 from 46 reviews
Personalhands-on serviceresponsive communicationgot best rate

Nicole Shepherd fields questions before clients even ask and fights banks for better rates on first-home and investment loans.

9
Mortgage Express - Michelle Mule

Mortgage Express - Michelle Mule

score 88/100
5 from 36 reviews
first home buyerresponsive communicationwent above and beyondexplained clearly

Michelle Mule earns consistent five-star praise for turning the home-buying and refinancing process from stressful into straightforward.

10
Resolve Finance - Joondalup

Resolve Finance - Joondalup

score 86/100
5 from 61 reviews
first home buyerresponsive communicationexplained clearlypatient with questions

Taj Singh handles first-home buyers with care and deep knowledge of complex situations, walking clients through every step without pushing them to move faster than they're ready.

11
LnL Finance

LnL Finance

score 86/100
5 from 69 reviews
first home buyerresponsive communicationfast approvalexplained clearly

All 69 reviews are five-star.

12
Vevo Financial Services

Vevo Financial Services

score 83/100
5 from 31 reviews
first home buyerresponsive communicationgot best ratesmooth settlement

Every review praises Veronica's responsiveness, knowledge, and ability to deliver quick results.

13
Mortgage Focus

Mortgage Focus

score 83/100
5 from 10 reviews
first home buyerresponsive communicationexplained clearlywent above and beyond

All 10 reviews centre on Stephen Davis and his reliability through mortgage approval.

14
Clear Vision Finance

Clear Vision Finance

score 81/100
5 from 21 reviews
first home buyerknowledgeable brokerwent above and beyondexplained clearly

Steve at Clear Vision Finance delivers consistently strong service across home loans, refinancing, and building finance.

15
Encharge Capital

Encharge Capital

score 80/100
4.8 from 23 reviews
first home buyerresponsive communicationexplained clearlyfast approval

Ross and his team at Encharge Capital have built a reputation for turning the mortgage process into something straightforward.

16
LUDA Financial Solutions

LUDA Financial Solutions

score 80/100
5 from 39 reviews
first home buyerresponsive communicationexplained clearlyknowledgeable broker

Jacques and his team at Luda deliver straightforward financial planning with genuine personal attention.

17
Mortgage Choice Joondalup - Jenni Adams

Mortgage Choice Joondalup - Jenni Adams

score 80/100
5 from 15 reviews
first home buyerresponsive communicationgot best rateknowledgeable broker

Jenni Adams has held clients for over a decade through multiple property transactions.

18
Mortgage Companion Joondalup

Mortgage Companion Joondalup

score 74/100
5 from 3 reviews
first home buyergreat with first home buyerswent above and beyondknowledgeable broker

Roger from Mortgage Companion Joondalup guides first-home buyers through loans step by step, securing them good rates.

19
McKinley Plowman

McKinley Plowman

score 72/100
4.3 from 50 reviews
first home buyerresponsive communicationslow responsepoor communication

Long-standing clients praise specific staff members for genuine care and fixing prior mistakes, but recent reviews flag serious lapses: missed appointments, nine-month delays on tax returns, and poor phone responsiveness.

20
Mortgage Choice Joondalup - Mark Terhoeve

Mortgage Choice Joondalup - Mark Terhoeve

score 70/100
5 from 3 reviews
first home buyergot best rateknowledgeable brokerwent above and beyond

Mark Terhoeve builds lasting trust with clients, handling complex situations calmly and putting their interests ahead of commission.

21
BGW Mortgage Brokers

BGW Mortgage Brokers

score 70/100
5 from 3 reviews
first home buyerexplained clearlyresponsive communicationpatient with questions

All three reviewers praise Brion for making the loan process clear and painless, especially for first-time buyers.

22
Mortgage Hub WA

Mortgage Hub WA

score 70/100
5 from 3 reviews
first home buyerresponsive communicationexplained clearlyknowledgeable broker

Glen Fisher at Mortgage Hub WA earns consistent five-star reviews for patient guidance, clear explanations, and genuine care for client outcomes.

23
Aussie Home Loans - Elaine Awad

Aussie Home Loans - Elaine Awad

score 68/100
5 from 3 reviews
first home buyerexplained clearlywent above and beyondresponsive communication

All three reviewers experienced straightforward, caring support from Elaine.

24
MyKey Financial Solutions - Mae P-Field

MyKey Financial Solutions - Mae P-Field

score 65/100
3.7 from 3 reviews
first home buyerresponsive communicationexplained clearly

Two recent five-star reviews highlight Mae's quick responses and clear walk-throughs of the loan process.

25
Mortgage Choice Joondalup - Emma Tyler

Mortgage Choice Joondalup - Emma Tyler

score 64/100
5 from 1 reviews
first home buyer

Not enough recent reviews yet to synthesise a reliable sentiment read for this business.

26
Saint Finance-Jason Douglas

Saint Finance-Jason Douglas

score 63/100
5 from 2 reviews
first home buyerknowledgeable brokergot best ratepatient with questions

Jason Douglas has a banking background and matches customers to competitive rates, securing deals better than what banks quote initially.

27
MB

Mortgage Broker Joondalup - Mortgage Offers

score 26/100
first home buyer

Review evidence is limited.

28
Thrive Broking

Thrive Broking

score 26/100
first home buyer

Review evidence for this business is limited.

29
MC

Mortgage Choice in Ocean Reef

score 22/100
first home buyer

Not enough recent reviews yet to synthesise a reliable sentiment read for this business.

Last updated 2026-07-30