Navigating the world of home loans can be overwhelming, but finding the right mortgage broker in Perth makes all the difference. A skilled mortgage broker not only simplifies the process but also secures competitive rates tailored to your needs. Whether you’re buying your first home, refinancing, or investing, these five mortgage brokers in Perth stand out for their expertise and customer service.
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1. Orange Mortgage and Finance Brokers Perth- North Perth
| ✅ Award winning brokerage with years of industry experience ✅ Extensive network of lenders ✅ Clients frequently highlight the team’s honest communication style, free from unnecessary jargon |
Orange Mortgage and Finance Brokers Perth stands out for its commitment to personalised service and industry expertise.
Orange’s approach centres on understanding each client’s unique financial situation. Whether you’re a first-home buyer, refinancing, or investing in property, their team ensures your needs remain at the forefront. They simplify the loan process by offering clear guidance at every stage, removing much of the stress typically associated with securing finance.
A significant strength of Orange is their extensive network of lenders. This gives clients access to a wide array of competitive loan products, ensuring tailored solutions for diverse financial goals. Their expertise extends beyond standard mortgages, with services encompassing refinancing, debt consolidation, and investment strategies. This versatility makes them a trusted choice for many Perth residents.
Transparency is a cornerstone of Orange’s business philosophy. Clients frequently highlight the team’s honest communication style, free from unnecessary jargon. Instead of promoting one-size-fits-all products, they take the time to evaluate each client’s circumstances, presenting only the most suitable options.
Orange is also praised for its efficiency. They understand that time is crucial when dealing with financial decisions, and their streamlined processes help clients progress quickly without compromising on detail or quality. Their dedication to keeping clients informed at every step further sets them apart as a dependable broker in Perth’s competitive market.
Orange Mortgage and Finance Brokers Perth has earned its reputation as a top choice for borrowers seeking a professional yet approachable service. With their deep market knowledge, client-first philosophy, and transparent practices, they continue to deliver exceptional results for those navigating Perth’s property market.
Outstanding job. I had the pleasure of working with Laszlo recently, and I must say it was a truly hassle-free experience. From start to finish, the entire process was handled with the utmost professionalism and expertise. One of the standout aspects of working with Laszlo was his exceptional communication skills. He was readily available to address any questions or concerns I had throughout the process. No matter how big or small the inquiry, he took the time to provide thorough and detailed explanations, ensuring that I fully understood each step of the mortgage application and approval process. Thanks Laszlo
Chris – Google Review
2. Habitat Finance – South Perth
| ✅ Hands on approach and personalised service ✅ Diverse range of Australia’s leading lenders ✅ Flexibility with appointment times and locations that work best for you |
Habitat Finance is known for its deep commitment to ensuring clients find the best solution for their specific needs. As a mortgage broker in Perth, their goal is simple: to simplify the home loan process by offering personalised advice and expert guidance.
Habitat Finance takes pride in offering a comprehensive service, focusing on understanding each client’s financial situation. Whether you’re purchasing your first home, refinancing, or expanding your investment portfolio, they work with a diverse range of Australia’s leading lenders to offer options that cater specifically to your circumstances. Their ability to quickly assess the market and present relevant solutions ensures that you’re not left overwhelmed by the choices.
A key strength of Habitat Finance is their hands-on approach throughout the process. They don’t just help you choose a loan; they assist in managing the entire application process. From submitting paperwork to liaising with lenders, they handle the heavy lifting, allowing clients to focus on the excitement of their new home rather than being bogged down in administrative tasks.
Communication is also a strong point for Habitat Finance. Their team makes themselves available whenever you need them, offering flexibility with appointment times and locations that work best for you. This ensures that you have ongoing support throughout your financial journey. By focusing on understanding your goals, Habitat Finance offers a service that is designed around what matters most to you.
In a market full of mortgage brokers, Habitat Finance rises above by focusing on a service that’s centred entirely on the client. Whether you’re seeking your first home loan or looking to refinance, they work tirelessly to find a loan solution that works for you, not the lender.
Rory has been an absolute pleasure to deal with. Rory carefully guided my partner and I (who were first home buyers) through the home loan process for approximately two years. Rory’s clear communication and willingness to answer our many questions made the process to acquire our home loan as easy as it possibly could.cI highly recommend should you be looking for a mortgage broker.
Thomas – Google Review
3. Fox Mortgage Services – Joondalup
| ✅ Over 40 years of combined experience ✅ Products from over 30 leading lenders ✅ Clients range first home buyers, investors, or anyone looking to refinance |
Fox Mortgage Services stands out as a trusted choice for anyone seeking a mortgage broker in Perth. With over 40 years of combined experience in banking and finance, the team is well-equipped to help clients navigate the complex world of home loans. They have access to a vast range of products from over 30 leading lenders, ensuring that clients receive tailored solutions to meet their individual needs.
One of the key advantages of working with Fox Mortgage Services is their ability to offer a wide array of options. Unlike traditional banks, which can only provide their own products, Fox Mortgage Services works with multiple lenders, ensuring clients have access to the most competitive rates and terms available. Best of all, their services come at no cost to the client, as the lenders compensate them.
For first home buyers, investors, or anyone looking to refinance, Fox Mortgage Services provides a comprehensive service. They help clients from start to finish, guiding them through the process, handling paperwork, and negotiating on their behalf. With flexible meeting times, including evenings and Saturdays, they make the mortgage process as convenient as possible.
The team is led by Paul, an experienced finance and mortgage broker, who founded the company in 2016. He brings over two decades of experience in the finance and banking industries. Joining him are Claire and Kerry, both of whom add valuable expertise to the team, ensuring a smooth and efficient process for every client.
Fox Mortgage Services is committed to providing not just competitive rates, but also exceptional customer service. Their promise is simple: to offer personalised advice, easy communication, and loans that suit each client’s specific needs. Whether you’re buying your first home or looking to expand your investment portfolio, Fox Mortgage Services is dedicated to helping you find the right loan solution.
By far the best team in Perth . I had an exceptional experience with this Paul and his team. As a single parent, I thought securing a loan was impossible, their team worked tirelessly to make it happen. They guided me through every step of the process, providing support and expertise that made all the difference. I highly recommend them for anyone looking for dedicated professionals who truly care about their clients!”. Thanks Paul and the team
Adam – Google review
4. Loan Market Bal & Associates – Welshpool
| ✅ Has earned numerous industry accolades ✅ Expert knowledge of the market ✅ Prides themselves on customer service |
Loan Market Bal & Associates offers expert mortgage broker services, specialising in helping Perth residents navigate the complex world of home loans. They work with a panel of over 45 lenders, ensuring clients access the most competitive loan options available, whether for first home purchases, refinancing, or investment properties.
What sets them apart is their ability to personalise each loan option, matching the right loan structure to the client’s specific needs. They offer a wide range of loan types, including interest-only and principal-and-interest repayment options, non-conforming loans, and even loans for building and construction projects.
The team prides itself on its high level of customer service, which has earned them numerous industry accolades. Balpreet Singh Bal, the founder, has won several awards, including the MFAA WA Young Professional Award in 2019 and the Broker of the Year 2020 from the Better Business Awards. Their comprehensive service ensures that clients are informed and supported every step of the way—from understanding their goals to settling their loans and beyond.
For those looking to buy their first home, the process is made easy with their clear guidance and expert knowledge of the market. They also specialise in refinancing, helping clients adjust their loans to match changing circumstances or take advantage of better interest rates. With a team dedicated to finding the best solutions and saving clients money, Loan Market Bal & Associates continues to be a trusted name in mortgage broking in Perth.
Balpreet and his team provided us with exceptional service as first home buyers. They explained very well and made whole process smooth with keeping us informed every step of the way. We are grateful for their top notch service. They are extremely friendly, professional transparent and efficient in their work. Highly recommend loan market Bal and want to give them 5 stars.🎉🎉
Sahil – Google Review
5. Strategic Mortgages Perth – Perth
| ✅ Brings a wealth of knowledge to the mortgage broking process ✅ Don’t just secure mortgages but also offer guidance throughout the entire property journey ✅ No hidden fees or unexpected costs. Very transparent brokerage |
Strategic Mortgages Perth offers tailored mortgage solutions with a strong focus on local expertise and client relationships. Led by Trent Fleskens, an expert frequently featured in the media for his property insights, the company brings a wealth of knowledge to the mortgage broking process. With connections to over 30 lenders, they help clients find competitive terms for home loans, refinancing, and investment mortgages.
What sets them apart is their holistic service approach. They don’t just secure mortgages but also offer guidance throughout the entire property journey, from securing financing to acquisition and property management, thanks to their ties with Strategic Property Group. This integrated support helps clients navigate every step of buying, refinancing, or investing in property.
Strategic Mortgages Perth is also committed to transparency. They make sure their clients are informed at each stage of the process, ensuring no hidden fees or unexpected costs. This proactive communication ensures that clients have a clear understanding of their options before making decisions.
Whether you’re purchasing your first home, refinancing, or expanding your investment portfolio, Strategic Mortgages Perth provides expert guidance and a personalised approach to match your financial goals. Their commitment to customer service and local market knowledge makes them a trusted choice for mortgage broking in Perth.
Ben was absolutely amazing! No question I asked was a silly question and happily answered them. As a first home owner and mortgages being a little daunting, Ben made the experience easy and less stressful. Thanks again! I cannot recommend Ben enough!
Nicole – Google Review
FAQs about Mortgage Broker Perth
How much does a mortgage broker cost in Perth?
In Perth, the cost of using a mortgage broker is typically free for clients because brokers are paid a commission by the lender when the loan is settled. This commission is usually a percentage of the loan amount, around 0.5% upfront, plus a trailing commission of approximately 0.15% annually. For example, a $500,000 loan could result in the broker earning around $2,500 upfront and $750 per year thereafter. But this is paid by the lender not the client.
Is it worth using a mortgage broker in Australia?
Using a mortgage broker in Australia can be a worthwhile decision, depending on your circumstances. Mortgage brokers act as intermediaries between borrowers and lenders, offering guidance, comparing loan options, and often increasing your chances of securing a competitive rate.
Benefits of using a mortgage broker:
- Access to multiple lenders: Brokers can compare loans from various lenders, helping you find one suited to your financial situation, especially if you are self-employed or have a complex credit profile.
- Expert advice: They understand lender policies and can help you navigate tricky applications. A good broker will also monitor your loan periodically to ensure you’re getting the best deal.
- Advocacy: Brokers negotiate with lenders on your behalf, saving you time and effort
Potential downsides:
- Limited lender pool: Some lenders, particularly smaller online banks with low rates, don’t work with brokers.
- Reliance on commissions: Brokers are paid by lenders, which might create bias toward certain loans.
On the other hand, going directly to a bank might be better if you have a straightforward application and prefer dealing with the lender directly. However, you’ll only see the bank’s products and may miss out on better deals elsewhere.
