How do I find the best mortgage broker in Perth?

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 (30 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.

What is the difference between a mortgage broker and going directly to a bank?

When you go directly to a bank, you only see that bank's products. A Perth mortgage broker like Verve Lending works with 30+ 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.

Can a mortgage broker help with home loans for self-employed borrowers in Perth?

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.

How much deposit do I need to buy a home in Perth?

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.

Is it worth refinancing my home loan in Perth right now?

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 30+ lenders and advise you honestly whether refinancing makes financial sense.

How Government Schemes Are Helping First‑Home Buyers

Government-backed home‑loan schemes are reshaping the borrowing landscape for first‑home buyers. Programs like the First Home Guarantee, Regional First Home Buyer Guarantee, and various LMI waivers are making homeownership more accessible, especially in regional areas.

What Won’t Break the Bank

First Home Guarantee: Allows eligible first‑time buyers to purchase a home with just a 5 % deposit, and no lenders’ mortgage insurance (LMI).
Regional First Home Buyer Guarantee: Extends the same 5 % deposit support to regional buyers, guaranteeing up to 15 % of the property value by Housing Australia
Family Home Guarantee: Assists eligible single parents in fast-tracking their entry into homeownership.

Regional Areas Are Winning

Buyers must live (or buy) in regional Australia, as defined by the ABS (excludes capital cities).
For FY 2025‑26, there are 10,000 Guarantee places available, a clear signal the federal government is responding to rising regional house prices.

Real‑World Impact

Since 2020, these schemes have assisted nearly 100,000 first‑home buyers without driving up prices significantly.
NAB reports a 16 % increase in first‑home lending since February 2025. Regions like Toowoomba, Burnett, Springfield-Redbank, Geelong, and the Sunshine Coast Hinterland are experiencing the greatest boosts.

Hurdles — and Solutions

Applicants need up‑to‑date ATO Notices of Assessment before final approval, which can delay loans until mid-year, frustrating eager buyers.
Price caps apply depending on postcode—state government sites or lenders’ tools can help check eligibility.

For first-home buyers, particularly in regional areas, government guarantees are unlocking entry points that were once seen as unattainable. With strong uptake, targeted regions, and thoughtful regulation, these programs are reshaping lending dynamics and helping realise the great Australian dream.

verve lending - residential mortgage specialist

Serving Perth — From the City to the Coast

Verve Lending works with borrowers right across Perth including Subiaco, Fremantle, Cottesloe, Nedlands, Scarborough, Joondalup, and throughout the wider Perth region. We're also set up to work remotely with clients across Western Australia.

Licensed, Accredited, and Accountable

Verve Lending operates under an Australian Credit Licence and is a proud member of both the Mortgage & Finance Association of Australia (MFAA) and the Finance Brokers Association of Australia (FBAA). When you work with Verve Lending, you're working with brokers who are legally required to act in your best interest — not the lender's.

VERVE FINANCIAL HOLDINGS PTY LTD (ACN 685 643 627) with Australian Credit Representative Number: 571515 is authorised under Australian Credit Licence: 389087.

Ready to Talk? Let's Start With a Conversation.

Whether you're six months from buying, thinking about refinancing, or just want to understand your borrowing capacity, Andrew and Tahlia are available for a no-obligation conversation. Call 0434 125 823 — no automated responses, no offshore call centres.

LET'S TALK: 0434 125 823 Send us a message

IMPORTANT NOTE: All content is general information only and is subject to change at any given time. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. Any recommendations made about a financial product are general advice only and has not taken into account your particular needs and circumstances. You should consider the Product Disclosure Statement to determine if the product is suitable for you before you decide to purchase it.