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Formal Finance

Updated 2026-09-26 · 1,716 reviewed · 444 listed · Scored from 34 Google reviews · How we rank ›

5.0(34) 87 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansConstruction & Building LoansMortgage BrokerRefinancingInvestment Property Finance
Formal Finance
Location
North Perth
Services
First Home Buyer Loans, Construction & Building Loans, Mortgage Broker
Reviews
34
Ranking
#104 in First Home Buyer Loans
Best for
first home buyers and repeat refinancers valuing detailed explanation and quick turnaround

Core details are sourced from this business's Google Business Profile (checked 2026-09-26). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Across 34 five-star reviews, clients consistently praise Formal Finance brokers for explaining loans clearly and securing approvals quickly. Brent, Nathan, Rebecca, and Teejay handle first home purchases, refinances, and investment loans, with Emma providing standout administrative support; the team is noted for being available beyond hours and solving problems without delay.

The business serves Perth and claims expertise in 5% deposit schemes, help-to-buy programs, and new construction financing. Multiple reviewers over two years describe complex situations (first homes, refinances, investment purchases) resolved with transparency and genuine care, creating loyalty that spans several transactions per client.

Praised for
  • knowledgeable and transparent staff
  • smooth and timely approval process
  • excellent communication and responsiveness
  • went above and beyond service
  • built trust and confidence
responsive-communicationknowledgeable-brokersmooth-settlementexplained-clearlypatient-with-questionswent-above-and-beyondfast-approvalreliable-followuphandled-complex-situationgreat-with-first-home-buyers
Best for: first home buyers and repeat refinancers valuing detailed explanation and quick turnaround
Think twice if: no material complaints surface in reviews; all evidence points to consistent quality

What are they good at?

  • named brokers (Brent, Nathan, Rebecca, Teejay) with multi-year client relationships
  • fast approval and settlement timelines
  • strong admin support from Emma
  • available evenings and weekends for client questions

What reviews say by service

First Home Buyer Loans
first home buyers report feeling confident and supported through explanation and availability from start to settlement
Refinancing
refinance clients return repeatedly; brokers handle rate security and process transparency with efficiency
Investment Property Finance
investment property buyers praised for timely updates and knowledgeable guidance through purchase and finance
Construction & Building Loans
limited direct mention, but new home construction loans and property development loans are listed services
Mortgage Broker
core service; reviews highlight broker professionalism, honesty, and long-term client loyalty across purchase and refinance

How it compares

  • Rated 5 against a 4.91 average across the 339 first home buyer loans businesses listed here.
  • Has more Google reviews than 63% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 98
Review volume 67
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
34
4
0
3
0
2
0
1
0

FAQ

Do you help first home buyers?
Yes. Reviews show Brent, Nathan, Rebecca, and Teejay guide first home purchases from pre-approval to settlement, explaining options and accessing first home owner grants and 5% deposit schemes.
Can you refinance an existing loan?
Yes. Multiple reviewers refinanced with the same broker over several years to secure better rates, described as a seamless process.
Are brokers available outside business hours?
One reviewer mentioned Rebecca replied to questions on weekends and after hours; this availability is not universally stated but was noted in at least one client experience.
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Last updated 2026-09-26