Perth Mortgage Advice & Guides

You have found a rental in a suburb that works for you, close to your job or in the catchment you wanted. Buying in that same suburb is a different conversation. REIWA put Perth’s median house price at $960,000 for the 12 months to August 2026, and across the inner and western suburbs it is...

The average mortgage interest rate in Australia is 6.2% for owner-occupiers and 6.4% for investors (RBA, July 2026). See how rates got here since 1959 and what the RBA said in August 2026.

Why bank valuations come in below the purchase price in a fast-moving Perth market, what a shortfall does to your loan-to-value ratio and lenders mortgage insurance, and the options buyers typically work through.

Every cost that can apply when you refinance a home loan in Western Australia: the fixed Landgate and PEXA charges, lender discharge fees, fixed rate break costs, lenders mortgage insurance, and a worked break-even example.

If you have searched for Perth property market predictions recently, you have probably found a mix of headlines: booming price growth on one page, talk of a slowdown on the next. Rather than guess where the market is headed, this Perth property market update for 2026 looks at what the data actually shows at mid-year,...

If you’ve watched the news about the Reserve Bank of Australia this year and wondered what it actually means for your own mortgage, you’re not the only one asking. Perth borrowers have had three separate cash rate moves to make sense of in 2026. Here’s how that reaches your repayments, whether you’re on a variable...

If you’re about to start house-hunting in Perth, one of the first things you’ll need is home loan pre-approval. It tells you what a lender is willing to lend before you start inspecting properties or making offers. This guide covers how to get home loan pre-approval in Perth, the documents you’ll need, how long it...

If you’ve got a stable income but can’t get your deposit past 10-15%, a family guarantee home loan is one of the few options that can genuinely move your timeline forward. It’s also one of the most misunderstood products in lending. “Guarantor” gets used loosely for a few different arrangements, and Perth borrowers researching a guarantor home loan often find the...

If you’ve started looking into home loans in Perth, you’ve probably seen the term LVR on a lender’s website or heard a broker mention it, and wondered what LVR actually is. It’s one of the most important numbers in your home loan application. It affects whether you’ll pay Lenders Mortgage Insurance and the interest rate you’re offered.  This guide explains what LVR stands for, how to calculate...