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.

Business Lending is Surging in 2025

Name: Verve Lending
Address: Perth, WA, AU
Telephone: +61434125823
Price range: Free consultation

Australian businesses are borrowing more than they have in years, and it’s not just big corporates driving the demand. Small to mid-sized businesses (SMEs) are increasingly turning to brokers to secure the capital they need to grow, refinance, or take advantage of new opportunities.

According to the Reserve Bank of Australia’s latest figures, business credit growth rose 8.9% in the year to March 2025 — the highest annual increase since May 2023. Commercial lending has now outpaced personal lending for five straight quarters, as more businesses move from cautious recovery into growth mode.

Meanwhile, Equifax’s Q1 2025 Credit Insights show a 3.9% increase in business loan applications, with NSW and Queensland leading the way. Industries seeing the biggest surge include construction, professional services, transport, and warehousing — often linked to infrastructure expansion and the ongoing migration to regional hubs.

Why Business Owners Are Borrowing More in 2025

So, what’s behind this renewed appetite for funding?

Supply chain normalisation: Businesses are rebuilding inventory and investing in local production after years of volatility.
Property opportunities: Commercial and industrial property remains in demand, particularly near infrastructure zones like Western Sydney, SEQ, and outer-metro Melbourne.
Tech and automation investment: SMEs are adopting new tech and equipment to boost efficiency and profitability.
Shifting to non-bank lenders: With tighter policies at the big four, many business owners are exploring private and second-tier lenders who offer faster, more flexible solutions.

Where Mortgage Brokers Come In

The surge in demand doesn’t mean funding is easy. In fact, it’s more complex than ever.

Brokers who understand commercial lending are now essential partners for business owners. Here’s why:

Product knowledge

From low-doc and lease-doc loans to cashflow finance, trade credit, and equipment loans — brokers help match the right product to the right situation.

Lender access

Many SMEs don’t fit the box for a traditional bank. Brokers work with a wide panel of lenders, including those offering faster turnarounds or willing to consider real-world business scenarios.

Strategic guidance

Whether it’s refinancing a ballooning facility, funding a warehouse purchase, or securing a bridging loan, a broker can help structure the deal to suit the business’s short and long-term goals.

Looking Ahead

As the 2025 financial year rolls on, commercial lending is expected to remain strong — especially in industries benefiting from government infrastructure investment and tech adoption.

If you’re a business owner considering finance in the year ahead, now’s the time to get strategic. Working with an experienced broker gives you a partner who understands your business, your growth plans, and the lending landscape.

Want to talk through your options?

Let’s explore the funding that can move your business forward.

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.