Many Perth homeowners, when they hear the words “refinance mortgage,” imagine tons of paperwork, uncertainty, and endless phone calls from the bank. This is why many of them delay switching their home loan, even though they are aware that they are paying more than they should. However, that is far from reality. Nowadays, the refinance...
Most first home buyers in Perth we talk to aren’t sure what grants and schemes they’re actually entitled to. That’s where a lot of people get stuck, not the saving part, but just not knowing what benefits are available to them. Let’s go through what’s actually on offer and who qualifies. The First Homeowner Grant...
A home loan is one of the biggest financial commitments most homeowners will ever make. However, many borrowers, especially in Perth, haven’t reviewed their home loan in years and are often paying far more interest than they need to. Staying on an outdated rate can quietly cost you thousands of dollars over the life of...
Why Loan Structure Matters More Than Most Investors Realise When building a property portfolio, most investors focus on what to buy next, which is the suburb, the yield, or the potential capital growth. Far fewer spend enough time considering how their loans are structured. Yet your investment loan structure can significantly impact your long-term flexibility,...
For the past few years, a clear shift has been observed in Perth’s lending landscape. Nowadays, Perth borrowers are choosing to work with mortgage brokers rather than going directly to a bank. Whether it’s first home buyers feeling overwhelmed, investors with more than one property, or homeowners looking to refinance, the demand for mortgage brokers...
For many people in Perth looking to buy an investment property, the biggest challenge is not income — it’s the deposit. This is because many property owners are not aware of the equity sitting in their home. Home equity is one of the most common ways investors fund their next purchase without starting from zero....
For many homeowners, the idea of buying their first home in Perth comes with both excitement and anxiety. Over the past few years, home prices have shifted quickly, and one question keeps coming up, especially for first home buyers in Perth: what does a $700,000 budget actually buy you in today’s market? Whether you’re early...
In 2026, Perth continues to attract both experienced investors and first-time buyers seeking opportunities in property investment. Western Australia has long been attractive for its lower cost of living compared to eastern states. Today, Perth is also benefiting from strong population growth, which is driving rental demand, and significant infrastructure investment that’s improving connectivity across...
Should You Refinance in 2026? A Perth Homeowner’s Guide If you’re a homeowner in Western Australia, 2026 is a crucial year for mortgage commitment. Interest rates have stabilised after years of volatility, property values across Perth have continued to rise, and lenders are competing harder than ever for quality borrowers. Which this begs the question...
The amount you can borrow for your mortgage, also known as your borrowing power or capacity, depends on various personal and economic factors. While online calculators can provide estimates, they often don’t capture the full picture. As the top mortgage brokers in Perth boasting 25 years of combined experience, we understand the complexities in determining...
The Federal Government has confirmed that its new First Home Buyer 5% Deposit Scheme will begin in October 2025, ahead of the originally planned 2026 start date. For many first home buyers who’ve been sitting on the sidelines waiting for a break, this brings new opportunities, and a few things to keep in mind. In...
n this episode of The Perth Property Show, Managing Director of Heron Todd White, Brendon Ptolomey, joins Trent Fleskens to unpack Perth’s record-low stock levels, rising buyer pressure, and what it all means for mortgage holders, investors, and builders heading into 2025.
Have you been rejected for a home loan in Perth because your bank or broker told you that your income isn’t enough to borrow the amount you need? You’re not alone and you might have more options than you think. What many people don’t realise is that your borrowing capacity can vary significantly between lenders....
The average mortgage interest rate in Australia fluctuates constantly. Monthly, it is influenced by a range of economic factors such as inflation, growth, unemployment and government policy. As a critical factor in the decision-making process of homeowners and investors, this brings some difficulty, but understanding the larger patterns can help provide clarity for better-informed financial...
Calculating mortgage repayments, and understanding your mortgage’s ongoing expenses, are crucial for ongoing financial planning and comparing different mortgage and lender options. As leading mortgage brokers in Perth and holding relationships with over 30 lenders, we have helped thousands of Perth residents understand their mortgage options and repayment plans. Going beyond what one-dimensional online mortgage...
