Best car & personal loans brokers in Perth

Why it ranks first

With 318 reviews at a perfect rating, Central Lending Solutions has the deepest review base on this list, and the feedback is unusually specific about which broker helped and how. Keeley, Liz, John, Aoife and Harj each get named for walking clients through PR issues, switching purchase types, or first-home and Keystart applications without rushing them.

Pros

• ✓Patient, detailed explanations of loan options
• ✓Transparent comparisons against other lenders' rates and fees
• ✓Handles complicated applicant situations, not just straightforward ones
• ✓Staff described as going above and beyond for individual circumstances

Why it ranks second

Daniel Leung has built Plus Loans around speed without cutting corners on explanation. Reviewers across first-time buyers, refinances, investment purchases and commercial deals describe settlements landing faster than expected, with clear detail at each step.

Pros

• ✓Fast approvals and settlement times
• ✓Clear, detailed explanations of loan terms
• ✓Hands-on follow-through from enquiry to close
• ✓Comfortable handling multi-property and commercial lending

Why it ranks third

Rory and Gariet at Habitat Finance handle scenarios that trip up less experienced brokers, including refinancing while overseas or buying while relocating interstate. Twenty recent reviews spanning several years show no complaints, with repeat clients recommending the team widely.

Pros

• ✓Named brokers recognised repeatedly across reviews
• ✓Fast approvals with genuinely smooth settlements
• ✓Comfortable with interstate, overseas and multi-property scenarios
• ✓Stays available for follow-up questions after the initial meeting

Why it ranks fourth

Diana McKenzie brings over 18 years of lending experience to Loanport, and reviewers who've come back for a second or third loan point to her willingness to keep chasing better rates rather than settling for the first offer. She and the team explain plainly and stay reachable after hours.

Pros

• ✓18+ years of lending experience behind the advice
• ✓Actively negotiates across multiple lenders for better rates
• ✓Answers questions after hours, not just during business time
• ✓Tailors advice rather than using a one-size template

Why it ranks fifth

Mortgage Choice in Perth fields a team of named brokers (Peter, Jordan, Adele, Roan) who consistently get credit for turning an overwhelming process into something manageable, including home visits to help with paperwork. Reviewers spanning first-time buyers to investors report calm, tireless bank liaison work.

Pros

• ✓Home visits offered for paperwork support
• ✓Patient, step-by-step explanations for first-timers
• ✓Persistent follow-up chasing bank responses
• ✓Consistent praise across several named brokers

Why it ranks sixth

Simon and Shannon Hassett's Subiaco team has a perfect five-star record across the past year of reviews, with several clients specifically praising how the team held firm timelines under pressure. First-home buyers describe the process as stress-free and well explained throughout.

Pros

• ✓Available at any hour to field questions
• ✓Explains complex loan concepts in plain terms
• ✓Genuine commitment to tight settlement deadlines
• ✓Consistent team from pre-approval through to settlement

Why it ranks seventh

Ben Rowson's Westend Finance is the most explicitly vehicle-and-asset-focused business on this list, covering truck, equipment and machinery finance alongside home and car loans. Reviewers, including FIFO workers on difficult schedules, describe immediate responses and follow-up support that continues after settlement.

Pros

• ✓Specialises in truck, equipment and vehicle finance
• ✓Immediate responses with clear step-by-step updates
• ✓Accommodates FIFO and other difficult schedules
• ✓Support continues after the deal settles

Why it ranks eighth

Allen at Quick Smart Finance earns repeat business by translating complicated bank policy into plain language and staying on top of milestones after settlement. Long-term clients specifically credit his knowledge of lender rules for securing better rates than they expected.

Pros

• ✓Strong grasp of bank policy and rate movements
• ✓Explains complex finance clearly
• ✓Reliably responsive throughout the process
• ✓Follows up on loan milestones even post-settlement

Why it ranks ninth

Jay Coakley, Linh and Dino at Luxe Finance Group get singled out for approval times reported under seven days and a willingness to work nights and weekends. Reviewers describe patient handling of construction loans, commercial lending and equity releases alongside standard purchases.

Pros

• ✓Approval times reported under seven days
• ✓Staff available evenings and weekends
• ✓Comfortable with construction and commercial lending scenarios
• ✓Named brokers consistently praised for patience

Why it ranks tenth

Sahil and Shaz at Strawberry Finance stand out for settlement times as quick as two weeks and a willingness to work outside standard hours to solve bank obstacles, particularly for self-employed applicants. Multiple referrals from other finance professionals back up the reported reliability.

Pros

• ✓Settlement in as little as two weeks reported
• ✓Works beyond standard office hours
• ✓Experienced navigating self-employed and first-home buyer hurdles
• ✓Referred by other finance professionals

Why it ranks #11

Ben and Richard at Strategic Mortgages Perth are described as approachable and fast at finding competitive rates without surprises later in the process. A built-in mortgage settlement service is mentioned by several reviewers as speeding up closings.

Pros

• ✓Named brokers Ben and Richard praised for availability
• ✓Mortgage settlement service reportedly speeds up closing
• ✓Comfortable handling interstate purchases
• ✓Clear explanations without pressure tactics

Why it ranks #12

Hayden's team at Premium Portfolio Finance in Fremantle keeps working after the deal closes, with reviewers noting he actively monitors and maintains their rates long after settlement. Several clients specifically mention he secured approval after major banks had already declined them.

Pros

• ✓Actively maintains client rates after settlement
• ✓Secured approvals even after bank declines elsewhere
• ✓Patient explanations for first-time buyers and complex cases
• ✓Named support staff (Karen, Claire) known for responsiveness

Why it ranks #13

Dave Satyam, Flora and Mars at Toram Finance are consistently credited with same-day call-backs and loans approved within days, covering everything from first-home advice to asset finance. It's a smaller operation by review count, but the feedback across 40 reviews is entirely positive.

Pros

• ✓Same-day call-backs reported by callers
• ✓Loans approved within days in several cases
• ✓Handles property, business and asset finance
• ✓Competitive rates sourced across multiple lenders

Why it ranks #14

Rob, Jamie, Sarah, David, Alf and Justin at Proteger Financial Solutions get repeated credit for explaining finance to people who find it intimidating, and for solving tight timelines and difficult bank negotiations. Across 85 reviews, not one complaint about rates, fees or service quality surfaces.

Pros

• ✓Patient guidance aimed at non-finance-savvy clients
• ✓Regular check-ins and status updates during the process
• ✓Handles tight timelines and tricky bank negotiations
• ✓Team draws on over 20 years serving the Perth area

Why it ranks #15

Andrea, Gabby and Kodie run Scoop as a combined property and finance operation in Fremantle, and reviewers highlight fast, calm handling of paperwork alongside genuine responsiveness, including on weekends. The finance side benefits from being embedded in a broader real estate business that already knows the local market.

Pros

• ✓Named staff consistently praised by clients
• ✓Simplifies complex finance paperwork for first-time buyers
• ✓Responsive on weekends and outside standard hours
• ✓Combines property and finance services under one roof