mortgage broker guides for Perth
How-to guides and advice for choosing mortgage brokers in Perth.
Helping a parent downsize or refinance in WA
Helping a parent choose between downsizing, refinancing, a reverse mortgage or the Home Equity Access Scheme in WA, with the $300,000 downsizer rule.
Updated 2026-07-28
Refinancing after separation in WA: your home loan options
Refinancing a joint home loan after separation in WA: buying out your ex, the 3 percentage point buffer, nominal stamp duty and time limits.
Updated 2026-07-26
Commercial loan vs home loan: the key differences for Perth borrowers
Business loans sit outside the National Credit Code, cost more (7.44% vs 6.24% on new loans, RBA July 2026) and need a bigger deposit. What changes and why.
Updated 2026-07-24
How does a construction loan work in WA?
How a construction loan works in WA: progress payments by stage, interest only on drawn funds, the 6.5% deposit cap and what lenders need before you build.
Updated 2026-07-22
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.
Updated 2026-07-21
Mortgage stress: struggling with repayments in WA
Mortgage stress explained: the 30% measure, how to ask for a hardship variation, the 21-day and 30-day rules lenders must follow, and free help in WA.
Updated 2026-07-19
Car loan vs personal loan: broker, bank or dealer
Car loan vs personal loan compared: secured vs unsecured rates, a $30,000 repayment table, and what a broker, bank or dealer charges you.
Updated 2026-07-17
Using equity to buy an investment property in Perth
Using equity to buy an investment property in Perth: usable equity worked out, $143,075 to buy at $600,000, the 3% APRA buffer, and how to structure the loans.
Updated 2026-07-15
Self-employed home loan declined? What lenders check and what to do next
Declined for a self-employed home loan? What 6 lenders ask for, your right to a refusal notice and a free credit report, and what to fix before reapplying.
Updated 2026-07-14
Questions to ask a mortgage broker
12 questions to ask a mortgage broker, the 4 documents where the answers must appear in writing, and 6 red flags to watch for before you share documents.
Updated 2026-07-12
How to check a mortgage broker's licence
How to check a mortgage broker's licence in 5 steps on ASIC's register: credit licence or representative, AFCA membership and 5 red flags.
Updated 2026-07-10
Is refinancing worth it? WA costs explained
What refinancing a home loan costs in WA: $450.20 in Landgate fees, lender fees, break costs and LMI, plus a break-even example to test your switch.
Updated 2026-07-08
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.
Updated 2026-07-06
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.
Updated 2026-07-04
What does a mortgage broker do? A first-timer's guide
What does a mortgage broker do? The 5 jobs, the 4 documents they must give you, how they are paid, and your first time with a broker in 6 steps.
Updated 2026-07-02
Mortgage broker vs bank: which should you use?
Mortgage broker vs bank: 81.6% of new home loans now go through brokers. Who must act in your best interests, who gets better rates, and when going direct suits.
Updated 2026-06-30
Is a mortgage broker free? How brokers get paid
How mortgage brokers get paid: lender commission of about 0.65% upfront and 0.15% trail, when a broker can charge you a fee, and what they must disclose.
Updated 2026-06-28