Perth Mortgage Advice & Guides

Saving a 20% deposit in Perth’s current market is a long road. With median house prices well above $700,000 across much of the metro area, getting that traditional deposit together can take years — and the market doesn’t always wait. The Australian Government 5% Deposit Scheme (formerly the First Home Guarantee) is the federal government’s...

Not all mortgage brokers are the same. The word “broker” covers a wide range, from advisers with access to 30 or more lenders and no ownership ties to any of them, through to loan writers who work for a single bank and can only offer that bank’s products. If you’re looking for a home loan...

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...