First Home Buyer Loans in Perth
Buying your first place in Perth means navigating first home buyer loans on top of everything else: deposit size, lender's mortgage insurance, the First Home Owner Grant, and stamp duty concessions that change depending on whether you're after an established home, land, or a house-and-land package. A broker who works this category day to day can save you from picking the wrong loan structure early on, which is often more costly to fix later than it was to avoid. We've listed 423 mortgage brokers across Perth who handle first home buyer applications, from city-based firms to local operators in the northern and southern suburbs.
What the service actually covers
A first home buyer specialist should walk you through your borrowing capacity, compare lenders (not just the two or three they deal with most), and explain how the deposit, genuine savings requirements, and any government schemes (like the First Home Guarantee, which lets eligible buyers in with a smaller deposit and no LMI) apply to your situation. Good brokers also flag ongoing costs, rate reviews after fixed periods, and what happens if your circumstances change before settlement.
What to look for
Check how many lenders a broker has on their panel, whether they've settled first home buyer loans recently (not just investor or refinance deals), and how clearly they explain fees, including any broker commission structure. Ask what happens if your loan is declined and whether they'll resubmit elsewhere at no extra cost to you.
How our scoring works
Our ranking weighs verified customer feedback, responsiveness, and consistency of service over time rather than a single star rating. For the full breakdown of factors and weightings, see our methodology, and for the current top performers in this category, jump to our ranked guide to Perth mortgage brokers.
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All first home buyer loans, ranked by score and relevance
392 businesses. The order weighs each business's overall score by how much of its reviewed work is first home buyer loans, so a lower-scored specialist can rank above a higher-scored generalist. Filter and sort below, or open the full map view.
When you submit a quote or contact form, your enquiry may be shared with partner providers who can perform the work. We may receive a referral fee from these partners, but our rankings and scores are based solely on our published scoring method and are never influenced by referral payments.
Common questions about first home buyer loans
- How much does it cost to use a mortgage broker for a first home loan?
- Most brokers in this category don't charge the buyer directly. They're paid a commission by the lender once the loan settles, so the cost sits inside the loan rather than as an upfront fee. It's still worth asking upfront whether any fee applies in your case, since a small number charge for complex files.
- How often do first home buyers need to go through this process?
- For most people it's a one-off, but it's worth revisiting your loan every couple of years once you're a homeowner, since refinancing or switching lenders after your fixed rate ends can save meaningful money. A broker who helped with your first purchase can usually help with that review too.
- What should I expect from a first appointment with a mortgage broker?
- Expect questions about your income, existing debts, savings history, and deposit source, followed by a rough borrowing capacity figure and a shortlist of loan options. A thorough broker will also explain grant and concession eligibility before you start looking at properties, not after you've made an offer.
- How can I tell if a mortgage broker is any good?
- Look at how they handle first home buyer specifics rather than general lending: do they mention LMI waivers, grant eligibility, and panel size without being asked. Recent, detailed customer feedback about communication and follow-through is a better signal than a broad average rating.
Guides to choosing first home buyer loans
- First home buyer grants and schemes in WA, compared
The $10,000 WA grant, no stamp duty up to $600,000, and the 5% Deposit, Help to Buy and Keystart schemes, with the caps that changed on 7 May 2026.
- Costs of buying a first home in WA
Costs of buying a house in WA beyond the deposit: first home buyer duty from $0 to $32,300, Landgate fees, settlement agents, lender fees and LMI.
- Guarantor home loans: how a family guarantee works
Guarantor home loan explained: a $600,000 Perth example, the 4 risks for the parent, 6 Banking Code protections, and how to get the guarantor released.