Cash flow is usually the first thing Perth investors ask about once they’ve found a property. An interest-only investment loan is one of the more common ways to manage it, but it’s also one of the more misunderstood loan structures on the market. This guide covers how interest-only investment loans actually work, what lenders look...
If you’re juggling a personal loan, a credit card and maybe a car repayment on top of your mortgage, rolling everything into one home loan payment can sound appealing. A debt consolidation home loan is one of the most common strategies Perth homeowners look into, and it’s easy to see why. It’s also not a...
If you’ve owned your Perth home for a few years, a home equity loan can be a practical way to access the gap between what your property is worth and what you still owe, usually through a refinance or loan increase. That gap is your equity, and it can be one of the more useful...
Finding the right property in Perth’s market often means moving quickly, sometimes before your existing home has sold. This is exactly the situation a bridging loan is designed for. It can help you buy your next home while you’re still selling the one you’re in, without needing that sale to settle first. This guide covers...
If you’re buying your first home in Perth with less than a 20% deposit, you’ve probably come across lenders mortgage insurance. It’s one of the most common costs first home buyers face. It’s also one of the most misunderstood. This guide covers what it is, how much it can cost, and what options Perth buyers...
Choosing the right structure for your home loan savings is one of those decisions that sounds simple until you’re actually sitting in front of the options. Both can reduce the interest on your loan, but a redraw vs offset account comparison quickly shows they work in very different ways. The better fit depends on how you manage your money, what...
Many Perth homeowners have an offset account attached to their home loan and never fully use it. Others are comparing loan products and wondering whether the offset feature is worth paying for. Either way, the question is the same: what exactly does a mortgage offset account do, and how does an offset account work in...
Most Perth investors buy one property and stop there. Not because they ran out of ambition. Because they ran out of borrowing capacity. And in most cases, that was decided at property one, long before they hit the wall. The right investment property loan in Perth isn’t just about the rate. It’s about how it’s...
Most Perth homeowners know they should review their home loan at some point. Few actually get around to it. The pattern is familiar. You set up your loan, life takes over, and four years slip by. Rates have moved. You’ve seen ads. But the review stays on the mental list, never quite making it to...
The first question almost every buyer asks. Before you fall in love with a place in Cottesloe or start comparing house-and-land packages in Alkimos, you want to know one thing: what can I actually borrow? The honest answer is that it depends on more factors than most people expect. This article breaks down how lenders...
The idea of rolling everything into one manageable home loan payment can be incredibly appealing if you are currently juggling multiple debts, including personal loans, credit cards, and maybe a car repayment. Debt consolidation through refinancing is one of the most common ways Australian homeowners explore, and for good reason. But like most financial decisions,...
If you’ve been following the national property conversation closely over the past few years, you’ll notice that Perth has gone from being overlooked to front page. And in 2026, that story is far from over. For investors who understand the fundamentals driving Western Australia’s market, the opportunity remains compelling but it also requires sharper thinking...
Should I go fixed or variable? This is one of the questions that Perth home buyers tend to struggle with. While it’s the great mortgage debate, there is no single or right answer. It depends on your financial goals, your circumstances, and what’s happening in the broader interest rate environment. Here’s everything you need to...
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...
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...
