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Self-employed? We specialise in self-employed home loans in Perth, working with lenders who understand that tax-minimised incomes, company structures, and irregular revenue cycles are the norm — not a red flag.
The best Perth mortgage broker holds an Australian Credit Licence, is a member of the MFAA or FBAA, has access to a broad lender panel (90 or more lenders), and charges no upfront fee to borrowers. At Verve Lending, Andrew Perry brings over 35 years of Perth lending experience, we work with 30+ lenders, and our advice is always free to borrowers — we're paid by the lender only when your loan settles.
When you go directly to a bank, you only see that bank's products. A Perth mortgage broker like Verve Lending works with 90+ lenders simultaneously — comparing rates, features, fees, and credit policies across the whole market to find the loan that suits your specific situation. Under Australian law, mortgage brokers are legally required to act in your best interest.
Yes. Self-employed home loans are one of our specialisations at Verve Lending. We work with lenders who assess self-employed applications fairly and have experience presenting complex income scenarios in a way that maximises your chance of approval.
Most Perth lenders require a minimum 5% deposit for owner-occupiers, though a 20% deposit avoids Lenders Mortgage Insurance (LMI). First home buyers in WA may also be eligible for the First Home Owner Grant. The right amount depends on the purchase price, your income, and the lender.
If you've been with the same lender for more than two to three years and haven't reviewed your rate, you're likely paying more than you should. Verve Lending offers free loan health reviews — we compare your existing loan against 90+ lenders and advise you honestly whether refinancing makes financial sense.