perth mortgage broker specialists

How To Find The Best Mortgage Broker In Perth

A new mortgage broker can be a confusing thing for a tourist to find. With so many different brokers and lenders, how do you know who is the best in Perth? Thankfully, we have all of the information that you need on our blog. So read on to learn more!

Perth is a city in Western Australia, and many people are looking for the best mortgage broker. If you’re one of them, read this post to find out how to make your search easier! 

This article will provide guidance on locating the most qualified, trustworthy mortgage brokers in Perth. 

Finding the best mortgage broker in Perth can be difficult. There are many brokers to choose from, and no two brokers offer the same packages or have the same rates. So how do you know which one is right for you? 

You’ll also learn about some essential things that every person should know before choosing a company to work with. The main takeaway from reading this blog post is that finding a reliable lender can be difficult if you don’t know what you’re doing – but it doesn’t have to be! 

Who wouldn’t want to buy a property in Perth, where prices are more affordable than in Sydney and Melbourne?

You’ll need a mortgage broker who has helped others like you get a home loan in Perth to ensure you dodge common roadblocks.

The tricky part is finding a broker who has what it takes to aid your loan process. Unfortunately, experience isn’t always enough, and that’s why you need to take your time to find the right broker for your situation.

We’ve done all of the research for you, so just follow our tips and advice below and give yourself peace of mind by knowing you picked the right team when it comes the time.

Why should I find a mortgage broker when I can go directly to the bank?

Mortgage broker

  • Goes through your entire situation to understand it and provide the best options.
  • Apply and submit documents online without ever visiting the office.
  • Specialised and personalised advice from experts who know the home loan process and policies of different lenders.
  • More home loan and interest rate options that fit your situation.
  • Will review your home loan regularly to ensure you’re getting competitive rates.
  • Work in your best interest.

Bank

  • Selling you their products and might not be considering your future financial stability.
  • Online applications are available, but most still require you to visit a physical branch to submit documents.
  • You can learn about the lending policies of only the bank you choose to visit. Plus, banks lack mortgage expertise since they offer an array of services.
  • Usually have more restrictive lending policies, making it less likely that they will approve you for a loan.
  • Not obliged to ensure your interest rates are competitive.
  • Working in their own best interest.

How do I find a good mortgage broker in Perth?

Getting into Perth’s property market is about understanding past trends and the current market situation. Your broker should be familiar with both and understand how each will affect your search.

For example, your broker should stay informed about the state of the mining sector. There is a link between Western Australia’s property market and the mining sector. The sector has been a significant factor driving price and rent rises in regional areas of Western Australia. At times, the strength of the mining sector has been the only factor behind Perth’s market recovery.

You should also expect your broker to be aware of which parts of Perth have been prone to flooding in the past and the effect that history can have on pricing.

Finally, your broker should help you apply for the First Home Owners Grant in Western Australia if you’re a first home buyer and work out how much you’ll save in stamp duty.

What does a good mortgage broker do?

Once you’ve done your research, you’ll be able to shortlist mortgage brokers in Perth that might be worth your time.

But how would you know if they’re good or bad, or even the best for your situation?

A good mortgage broker anywhere will:

  • Ensure a smooth mortgage journey from the start and beyond settlement.
  • Free you from the tedious application process, including paperwork.
  • Take the time to go through your lender options and explain why they chose those lenders.
  • Walk you through the home loan features and interest rates.
  • Keep an eye out for any documents you are missing, and make sure to inform you.
  • Identify potential credit issues and suggest a way to work through them to improve your chances of qualifying for a home loan.
  • Inform you of the fees and costs involved in the process, including application fees, valuation fees and stamp duty.

A good mortgage broker has a team of experts working behind the scenes to ensure your comfort.

For example, a dedicated customer care team to answer your questions and a post-settlement team to ensure you have the best rate out there.

Best Mortgage Brokers In Perth

perth the perth mortgage specialist

The Perth Mortgage Specialist

You can’t go wrong when choosing to work with The Perth Mortgage Specialist. Locally owned and operated by Michael Harris, a Mortgage and Finance Associated Australia accredited mortgage specialist with many years of experience in the Perth area.

Unlike some Mortgage Brokerage firms, The Perth Mortgage Specialist is entirely focused on the Perth area and knowledgeable on Perth and WA related grants and lenders.

Michael Harris offers excellent personal service and a number of guarantee’s, including a service promise of prompt communication and responses with same-day responses to emails and calls. 

Best of all, he is able to offer availability outside of usual business hours and can meet from 7 am to 7 pm – fantastic news for busy professionals struggling to get out of work.

There are absolutely no fee’s when working with The Perth Mortgage Specialists, so no nasty surprises or sticker shock. All consultations are completely free and without obligation.

They also provide a number of complementary and free services, including free reports and suburb profiles.

Quantum Finance

Quantum Finance is one of Perth’s most awarded mortgage brokers due to their excellent customer service and consistently getting low-interest loans for their clients. They broker any kind of bank or private lending financing, meaning that they can help clients in Perth with all types of loan issues.

The brokers at Quantum Finance are highly experienced in finding great rates for all kinds of clients, from first home buyers to full-time investors looking to expand their Perth property portfolio. 

They can also help developers to finance construction projects or people who want to build their own homes or investment property and need the funds to pay for it.

Another area that sets Quantum Finance apart is their network of private lenders. Just because a bank knocks back a loan request doesn’t mean that you can’t get the money!

Banks are making it harder than ever to get a traditional home loan, so it can be much easier to access the funds you need through private lending – and the terms are often better than you will get from the big four.

Smartline Personal Mortgage Advisors

If you’re looking for personal service from a savvy Mortgage advisory, then consider Michael White at Smartline Personal Mortgage Advisors. His service excellence in the Perth area is unparalleled, and he has been a previous winner of the Smartline Client Care Award.

He has hundreds of glowing recommendations online that highlight his flexibility and patience in guiding clients through the home buying process. Smartline pride themselves that over 85% of their business comes off the back of stellar word-of-mouth recommendations.

They offer many services, everything from first home buyer assistance, investment property loans, construction loans, renovation loans, and car finance and refinancing assistance.

Smartline will meet with you face to face and work out what your needs and budget are, from their they can provide you with a series of recommendations for products and lenders that best fit your needs.

They offer to assist you every step of the way, right through to settlement and will even commit to being their following settlement for any advice that you may need.

If you want to work with a highly recommended and professional company, then Smartline is the perfect option.

Top Mortgages

Top Mortgages in Perth has been recognised as one of the best in the Perth market for Loan writing in WA. You can guarantee that you will find the perfect home loan options through the professional Mortgage broker staff at Top Mortgages –  they can provide over 800 loan options!

They have a great service offering that includes a friendly team who will travel to you, even outside of work hours and free professional advice.

They offer several loan services, including home loans, investment loans, personal loans and car loans through many different lenders.

They are accredited by the leading industry association, the Mortgage and Finance Association of Australia and have partnerships with several key stakeholders in the Perth mortgage industry, including local construction companies. Their great strategic partnerships can translate to some major cost savings for you as their client.

Uniquely, they can also offer advice and expertise on home buying in Perth for non-residents, so if you’re planning on immigrating to Australia and hoping to settle in Perth, then look into using Top Mortgages as your broker.

With a significant portfolio of lenders and loan options available, Top Mortgages really are one of Perth’s top Mortgage brokerage choices.

perth orange finance

Orange Finance

Orange Finance is a small Perth-based mortgage brokerage business with a big lender offering available.

They work with major lenders to produce a great variety of loan options to clients and can provide all kinds of loan services, including construction loans.

Unlike some Mortgage brokers, they’re even happy to assist with Self-managed super fund loans, which can be complicated and time consuming to set up.

They also offer refinancing assistance for those looking to get a lower interest rates and reduce the costs associated with their home loans. If you’re looking for advice on loans, refinancing, or the home buying process, they have loads of resources available on the website, including a number of handy home loan calculators.

They’re more than happy to discuss the home buying and settlement process with you and offer advice even after your settlement is done.

They are practical and honest in their assessment and will not tell you only what you want to hear or let you get into a mortgage you can’t afford for a higher commission.

Impressively, they have an average 5-star rating online, with many satisfied local Perth customers singing their praises. So it is definitely worth considering working with them the next time you are looking at getting a loan!

Laszlo Szollosi – Orange Mortgage & Finance Brokers

Laszlo is the owner and director of Orange Mortgage and Finance Brokers, a boutique owner-operated business located in North Perth. He has been helping West Australian clients obtain finance to buy their homes for over 11 years. 

He is a highly qualified mortgage credit advisor with degrees in Engineering and Commerce and more than 20 decades of experience working in banking and finance in Sydney, London and New York.

“Orange Finance has never been part of a larger franchise network because we didn’t want to limit our ability to give tailored and thoughtful advice.

Our philosophy has always been to look after our clients and understand their individual circumstances and goals. So we like to sit down with every client, whether face-to-face or digitally, as some of our clients are in regional WA or interstate, and go over and explain all the decisions that need to be made during the application process. 

This also allows us to answer as many questions as you have as we try to make sure you are comfortable with the decisions you’ve made. Getting the proper structure in place is just as important as choosing the right lender.”

Paul Prindiville – Blackburne

Paul joined Blackburne Mortgage Broking in 2011 after starting his career in finance in 2006. He prides himself on providing tailored financial solutions for his clients and delivering a first-class service experience.

Paul is highly knowledgeable in off-the-plan and apartment finance and all other areas of residential lending. So whether you are looking to purchase your first home, are an experienced investor adding to your portfolio or would like to refinance to a better deal, Paul can guide you every step of the way.

As a current member of the Mortgage & Finance Association of Australia (MFAA), Paul was nominated for the AFG Loan Writer of the Year in 2013, 2014, 2015, 2016 and 2017 and was named as MPA Magazine’s Top 100 Brokers in Australia for 2014 and 2015. In addition, he has cultivated strong relationships with many lenders due to his longevity in the industry.

In his spare time, Paul enjoys spending time with his family and friends as well as closely following his favourite AFL team, the West Coast Eagles.

perth mortgage broker

Aron Cox – Aussie Mortgage Masters

Having had a long involvement in the mortgage broking industry dating back to 1997, Aron is not just a voiceover on the phone, he volunteers, works and lives in your community.

He is the man to go to when you need a home loan, investment loan, SMSF loan, Business loan or Motor Vehicle loan. He will do his best to make sure you make the right decision when choosing your finance.

Aron can be found within Laurence Realty Office at 4/36 Anchorage Dr, Mindarie WA (next door to Basils Fine Foods.)Call him now to see how he can take the pain out of your search for the right finance.

With the use of state of the art software, Aron’s knowledge of home loan products, interest rates, fees and charges is diverse and current.

Along with using the software available to them, the training and up-skilling of the Aussie Mortgage Masters loan consultants keep them ahead of their competition in this ever-changing industry.

Above all else, Aron values excellence in service and, as part of the Aussie Mortgage Masters team, goes beyond the call of duty with each and every one of his clients.

All of our client’s needs are considered when helping them achieve their goals. This can be seen in the growth Aussie Mortgage Masters has achieved over the years in W.A and evidenced by the fact that 85% or more of all new finance written is repeat business from existing Aussie Mortgage Masters current clients.

Bec Gonzalez – Fox Mortgage Services

Bec comes with over 22 years in the finance industry. Having worked for large corporations (Westpac, Bankwest, Suncorp and Aussie) and smaller corporations (managing a small mining and exploration office in Papua New Guinea !!). 

Bec is actively involved in Perth BNI, is a fundraiser and committee member of Purple Hearts which gives fund-raising support to the Harry Perkins Institute.

“I want to offer something different, something unique – the best personal service end to end. No longer are you just a number or statistic. I have helped thousands of people from all walks of life follow their dreams; be it to own a home, car, business, plan for a family or understand their super and investments. I have been beside them every step of the way. 

It has been my privilege to help so many people and for people to have the confidence in me to come back time and time again. The majority of my business has come through personal recommendation, a fact I am incredibly proud of. I really enjoy meeting new people and keeping in touch and following my clients journeys just like friends.”

Mel Primus

Mel Primus is the boss lady of Primus Home Loans based in Sorrento. Mel’s approach to work is wholly client service orientated, and her goal is to provide all customers with optimum service. She prides herself on providing the best possible customer service.

Mel’s team has the knowledge and experience to give you unique and customised advice for every situation. They pride themselves on their customer service, excellence and results. They are ready to create custom-tailored mortgage home loans to meet individual customer needs, budgets, and financial goals.

Specialty:

PRIMUS MORTGAGES – FIFO, Self Managed Super Funds, Motor Vehicle, Commercial, Business, Construction, Purchase, First Home Buyer, Equipment & Investment Property Loans

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