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  • Writer's pictureJared Mullane

10 of the best mortgage brokers in Perth

Updated: 2 days ago

If you want the best finance deal for your next home or investment in Perth, choosing the right mortgage broker can make all the difference.


In our guide, we’ll show you 10 of the best mortgage brokers in Perth. Plus, we list a few considerations to help you find a mortgage broker that aligns with your financial goals.


Who are the best mortgage brokers in Perth?

A mortgage broker going through paperwork with clients

The best Perth mortgage brokers will be the ones who answer your questions and address your concerns effectively. A good broker will listen and recommend suitable products based on your personal situation. 


Here are 10 of the best mortgage brokers in Perth:

1. Strategic Mortgages Perth

The team at Strategic Mortgages Perth are among Western Australia’s most sought-after mortgage brokers. Trent Fleskens leads the team, providing expert analysis on 6PR every Monday at 1:30pm. He also has served as Channel 9’s resident property commentator for the past four years.


Strategic Mortgages Perth specialise in finance for first home buyers, investment properties, commercial transactions and complex refinances. Additionally, you can listen to Trent on his podcast, The Perth Property Show, every Monday from 7am.


2. Mortgage Choice Perth CBD

Peter Keenan and his team of brokers at Mortgage Choice Perth CBD “provide personalised, strategic home loan advice to help clients achieve their property goals”. With over 30 lenders on their panel, Mortgage Choice Perth CBD offer a wide range of services, including finance for first home buyers, investors, refinancers, and more. 


At the WA Better Business Awards in 2022, Mortgage Choice Perth CBD were nominated as a finalist for Best Customer Service and Best Branded Office. Additionally, the brokerage has a 4.9 star rating on Google from 200 reviews.


3. Loan Market Bal & Associates

Giving clients access to over 45 lenders, Loan Market Bal & Associates are one of Perth’s leading mortgage brokers. Guided by their ethos of providing greater options for borrowers, Loan Market Bal & Associates claims to make the buying process simple, straightforward and honest.


Director, Balpreet Singh Bal, won Best Residential Broker and Broker of the Year in 2020 at the Better Business Awards. At the same awards, Loan Market Bal & Associates were a finalist for Best Customer Service (Office) in 2020. They also have more than 350 5-star reviews on Google.


4. Fox Mortgage Services

Founded in 2016, Fox Mortgage Services and its team bring more than 40 years of banking and lending experience to help find clients a great finance deal. With access to over 30 lenders, Fox Mortgage Services offers hundreds of products where they’ll work to get the best interest rates and terms available to specific situations.


Some of their services include home loans, first home buyer loans and mortgages for professionals. Fox Mortgage Services has a 5-star Google rating based on 181 reviews.


5. Habitat Finance & Insurance

Habitat Finance & Insurance prides itself on its professionalism in every aspect of its business, and aims to bring the right loans to a range of borrowers. Whether it’s for first home buyers or investors, Habitat Finance & Insurance has built relationships with numerous lenders to streamline the process.


Owner of Habitat Finance & Insurance, Rory Cowman, was nominated as Broker of the Year at the Australian Finance Group’s 2017 State Awards. According to Google, Habitat Finance & Insurance has a 5-star rating from 162 reviews.  


  • Phone: (08) 9474 7744

  • Email: Submit an online enquiry via the Habitat Finance & Insurance website

  • Address: 68 South Terrace, South Perth, WA 6151

  • Website: https://www.habitatfinance.com.au/

6. Orange Mortgage and Finance Brokers

Orange Mortgage and Finance Brokers is owned by director Laszlo Szollosi, a Senior Credit Adviser with decades of banking and broking experience. In the brokerage’s own words, “Laszlo’s understanding of lenders helps him package your application to how a lender wants to see it”.


Laszlo Szollosi has received 121 5-star reviews on Broker Pages as well as a 5-star rating on Google from 146 reviews. Areas of expertise include first home buyer finance, home purchase, refinancing and investment loans.


  • Phone: 0425 212 636

  • Email: Submit an online enquiry via the Orange Mortgage and Finance Brokers website

  • Address: 10/46 Angove Street, North Perth, WA 6006

  • Website: https://www.orangefinance.net.au/

7. Inca Mortgage Solutions

Amy Ferguson is the mortgage specialist and founder of Inca Mortgage Solutions, delivering a personal and thorough finance experience to clients throughout Perth. Inca Mortgage Solutions has access to over 30 lenders, including the major banks, and aims to provide hassle-free solutions to every type of borrower.


Amy Ferguson won Finance Broker of the Year (WA) in 2022-23 at FBAA Awards of Supremacy, as well as Best Newcomer (WA) in 2021 at The Adviser’s Better Business Awards. On Google, Inca Mortgage Solutions has a 5-star rating from 91 reviews.


8. Top Mortgages

Founded by Rhys Dillon and Michael Watts, Top Mortgages aims to deliver the “highest levels of dedication and service to their clientele”. Working in partnership with the Australian Financial Group (AFG), Top Mortgages has access to over 800 loan options from 35 lenders, according to their website.


With more than 10 years’ experience, Top Mortgages helps with a range of loans for investors, first home buyers and businesses. Top Mortgages was a finalist at the AFG Excellence Awards in 2023 and has a 5-star Google rating based on 52 reviews.


9. Finance 365

Finance 365 is a relatively new brokerage in Perth but brings a wealth of experience from a team that’s worked across Australia and the UK. They provide finance for first home buyers, investors, low doc borrowers, refinancers, and everything in between. 


Some of Finance 365’s awards include being nominated for Top 25 Brokerage in Australia (2017-18) at The Adviser’s National Awards and a finalist for Customer Service of the Year in 2017 at The Adviser’s Australian Broking Awards. In addition, Finance 365 has a 4.9 star rating on Google based on 227 reviews. 


  • Phone: (08) 6166 6391

  • Email: Submit an online enquiry via the Finance 365 website

  • Address: 24 Brisbane Street, Perth, WA 6000

  • Website: https://www.finance365.com.au/

10. Probroker Mortgage & Finance Specialists

Located centrally in West Perth, Probroker Mortgage & Finance Specialists is run by Director and Principal Finance Broker, Jonathon Bowker. Whether it’s borrowing for a first home or investment, Probroker Mortgage & Finance Specialists is dedicated to educating and explaining the buying process so clients can make informed decisions. 


Probroker Mortgage & Finance Specialists have access to a range of lenders, unlocking competitive interest rates and deals for borrowers of all types. The brokerage has a 5-star rating on Google from 100 reviews.


How to find the best Perth mortgage brokers

To find the best mortgage brokers in Perth, follow these steps:


  • Step 1: Research the company online and check out client feedback to check if it’s a suitable match. Assess available services and awards, as this will highlight expertise in relevant fields.

  • Step 2: Ask for recommendations by tapping into your network of friends, family and colleagues, especially those who recently purchased property in Perth. Their insights could guide you toward brokers best suited to your needs. 

  • Step 3: Narrow down your choices by scheduling consultations with preferred brokers to discuss your needs. Evaluate their responsiveness to your questions and concerns.

  • Step 4: Make your selection and choose a broker who provides valuable financial advice as well as transparent fee structures. Confirm their familiarity with the Perth property market for added reassurance.


Your Perth mortgage broker should have an understanding of the local property market

View of the outer suburbs in Perth with the city in the background

Perth is currently the nation’s strongest performing market, with house prices surging thanks to overseas and interstate migration. According to CoreLogic’s research director, Tim Lawless, Perth is a “stand out among the capital cities for a persistently rapid rate of capital gains”. This means mortgage brokers have to be on the ball when it comes to securing finance for their clients as Perth real estate reaches new heights. 


Ensure your broker is up to speed on the state’s property regulations, including stamp duty rates, as this can impact your borrowing needs. They should also be across government incentives for different types of borrowers, like first home buyers or self-employed individuals seeking low-documentation loans. 


Choosing a Perth-based mortgage broker may even mean being able to access exclusive deals from local lenders. Additionally, reputable brokers usually provide property reports detailing local market conditions, helping buyers make informed decisions about the area (and property) they’re interested in.


What to ask mortgage brokers in Perth

Here are some key questions to ask your Perth mortgage broker:


  • Which lenders are on your panel? Check the breadth of lenders your broker has access to, including banks, credit unions and specialist lenders to ensure a range of options. 

  • How do you recommend products? Choose a broker who understands your needs and gives recommendations based on your situation and goals. For example, if you’re a first home buyer you may only be interested in lenders that participate in the First Home Guarantee schemes. Investors might prioritise having options like the ability to make interest-only repayments.

  • What fees do you charge and how do you get paid? Clarify any commissions your broker receives from selected lenders, which is typically how they’re paid. While upfront fees are uncommon, check to see if your broker applies any additional charges.

  • What is the typical timeframe for mortgage approval? Get an estimated timeline from your broker for pre-approval, accounting for variations based on the lender’s criteria and your unique situation. Securing pre-approval demonstrates commitment to real estate agents when you’re pursuing a specific property.


Disclaimer: The list of mortgage brokers presented on this page is based on research our experts could find at the time of writing. We are not making a recommendation about any particular brokers. Please use this information as a guide only, and do your own research before engaging with a mortgage broker.  


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