Mortgage Broker Perth – Leading Home Loan & Mortgage Brokers Perth

Why Choose Our Brokers For Your Home Loan Needs?

As North Perth’s premier mortgage broker experts, we’re all about simplifying your home loan journey. We’re on a mission to streamline your financing experience, ensuring it’s as seamless and hassle-free as possible. Remember, above all, we work for you and not the banks!

When you’re in search of a local mortgage broker and home loan specialist, consider us—your dedicated, owner-operated business right here in North Perth. At Orange Mortgage and Finance Brokers, we offer you more than just a mortgage broker service; we provide experienced, personalised, and considerate guidance for your financing needs. Achieving a straightforward application process is made easy with our well-crafted approach and advice.

You could definitely arrange a mortgage application yourself, but why would you want to when there’s no cost to you for our professional broking assistance? Moreover, we’re not just here to facilitate the process but to potentially save you money as well, harnessing our expertise to your advantage.

We’re committed to providing you with tailored mortgage solutions that align with your unique circumstances and goals. Whether you’re a first-home buyer, an investor, or looking to refinance, our specialist services cater to all your requirements.

We pride ourselves on staying up-to-date with the latest trends in the finance industry, ensuring that our clients always have access to the most competitive rates and innovative home loan products. Our relationships with a diverse range of lenders allow us to offer you more options and potentially better deals than you might find on your own.

How Our Perth Mortgage Broker Service Stands Out

When looking for a Perth mortgage broker, it’s crucial to choose a team that stands out in the industry. Our mortgage brokers in Perth bring years of experience to the table, ensuring they understand the local market, your financial situation, and the varied home loan options available.

We’re dedicated to providing tailored solutions that align with your specific goals, be it for an investment property, refinancing, or securing a home loan. Our mortgage brokers work closely with you to navigate different lenders and find the best rates and terms. By offering comprehensive reviews and expert credit advice, we make the complex process of securing a loan seamless and stress-free. From initial contact through to loan management, our services cover every aspect of the mortgage business, ensuring you feel confident and informed.

We highly recommend our services, given our top-notch knowledge of the Perth market and our commitment to exceptional customer satisfaction. Our team specialises in various finance options, home loans, and investment opportunities, always aiming to provide the most beneficial solutions for our clients. Prioritising personalised service, we also offer information on insurance and long-term financial management.

We invite you to read our reviews and learn why so many clients in WA turn to us for their mortgage needs. With decades of combined experience, our mortgage brokers are the top choice for anyone looking to refine their financial journey in the Perth area.

Our Mortgage Brokers and Home Loan Experts in North Perth

We’ve streamlined our process to be as online as possible, ensuring a quicker journey for you when seeking a mortgage broker. Our digital services are designed to make your life easier, allowing you to access expert advice from the comfort of your own home.

Curious about what types of home loans we offer? Simply navigate to our ‘Home Loan Types‘ page to find the right loan that matches your real estate goals. Our assortment of mortgage options caters to various property purchasing requirements, offering a tailored experience for every Perth home-buyer.

Whether you’re investigating for a first-time buyer loan, refinancing options, or an investment property, you’ll find our online mortgage broking services an invaluable resource. We work with a wide range of lenders to ensure we can find the best possible solution for your unique situation. As one of the leading mortgage brokers Perth has to offer, we’re proud to provide an accessible, efficient path to securing your home’s financing, bringing you closer to the Perth property market with just a few clicks.

Our online platform allows you to easily submit your information, track the progress of your application, and contact our team at your convenience. We understand that your time is valuable, which is why we’ve invested in technology that makes the loan process as smooth and efficient as possible.

But don’t worry—while we’ve embraced the digital age, we haven’t lost the personal touch that sets us apart. Our mortgage broking experts are always just a phone call or email away, ready to provide personalised advice and support whenever you need it. We believe in combining the best of both worlds: the convenience of online services with the reassurance of human expertise.

• First Home Owner Loans
• Refinancing Home Loan
• Construction Loans
• Investment Loans
• Parental Guarantees
• New Arrival Home Loans
• SMSF Mortgage
• Home Upgraders

The Best Way to Access Top Mortgage Lenders

Because not many people like sitting on hold on the bank’s customer support line or having to go to a branch multiple times, our job as mortgage brokers is to streamline the process. We do all the research for you and speak to the bank (yes, this means sitting on hold) to see if we can get the bank to improve their deal. We handle the application and see it through to settlement. Our specialist mortgage broker team will keep you informed along the way via phone or email. Once settlement has occurred, some brokers think that’s the end of the relationship, but we view it as the beginning.

Specifically, we’ll try to make contact every 12 months to ensure you’re still happy with your bank and your personal circumstances haven’t changed. Consequently, every two or three years, we’ll review your profile and see if we can get you a better interest rate either with your current lender or a new one. We understand that navigating the world of finance and credit can be overwhelming. That’s why we go above and beyond to ensure you’re not just getting a loan, but also gaining valuable knowledge about the mortgage process. We’ll help you understand your credit score, explain how different structures work, and provide insights into the current state of the finance industry.

Our commitment to you extends far beyond just securing a home loan. We see ourselves as your long-term partners in your property journey. Whether you’re looking to upgrade your home, invest, or simply ensure you’re getting the best deal on your current home loan, our business is here to support you every step of the way.

We pride ourselves on our transparency and ethical approach to mortgage broking. We’ll always provide honest, unbiased advice, even if it means recommending that you stay with your current lender. Our goal is to build long-lasting relationships based on trust and mutual respect. At Orange Finance, we’re more than just a business—we’re your partners in achieving your property dreams. Let us put our expertise to work for you and experience the difference a dedicated mortgage broker can make.

Visit our How To Get a Home Loan page for more information on getting started. For more reading on finance and interest rate announcements, click through to our Articles page. Or for help with crunching some numbers, try our mortgage calculators page.

Top Awards Mortgage Brokerage

Our esteemed mortgage services in Perth are designed to meet all your home loan requirements. As a leading Perth mortgage broker, we offer tailored solutions by understanding our clients’ goals and financial situations. Whether you’re a first-time home-buyer or looking to refinance, our expert team of mortgage brokers in Perth WA provide invaluable market insights and advice. We have years of experience in the industry, helping many achieve their property aspirations with top-notch home loans, competitive rates, and exceptional customer service.

Our Perth mortgage brokers are highly knowledgeable about the latest trends in the market. We’ve got a stellar reputation for delivering outstanding service and facilitating access to the best loan options. With a focus on home loan management and careful consideration of each client’s unique position, our brokers offer personalised finance solutions meant to help you secure the best deal and save money in the long run.

Utilising cutting-edge mortgage calculators, we help you navigate through various loan scenarios to find what’s best for your financial standing. Our collaboration with distinguished lenders across Australia ensures we recommend the smartest options tailored just for you. Our clients’ reviews speak highly of our dedication and commitment to guiding them through the complex mortgage landscape. We also offer refinancing options to better protect and manage your wealth, ensuring peace of mind through every step of the mortgage process.

Contact us today to discover why we’re the trusted mortgage brokers Perth residents recommend time and again.

First Home Guarantee (FHBG) is the old First Home Loan Deposit Scheme (FHLDS) – update July-2024 – First Home Buyer Finance

As part of the last election campaign, the federal government announced 35,000 new places released 1-July-2022, 1-July-2023 and another lot for 1-July-2024 for eligible first home buyers to help them purchase a home sooner. Effectively, the federal government will be the LMI provider for Nil cost assuming first home buyers have at least 5% deposit. More information can be found here.

As of 1-July-2024 the government has released another 35,000 FHBG units applicable for established homes and also increased the maximum total house price applicable. For WA this has been increased to $600,000 in Perth and $450,000 in regional WA.  https://www.nhfic.gov.au/what-we-do/property-price-caps/

The good news is as of 1-July-2024,  the eligibility requirements have expanded meaning more people should be eligible:

• Now family member and friends can be eligible. Before only married or defacto partners were eligibly to buy together.
• Now if you’ve not had any interest in property in Australia in the last 10 years you are eligible. Before you had to be first home buyer.
• Australian permanent residents are now eligible. Before it was only Australian citizen.
• New Zealand Citizens holding a Special Category Visa Subclass 444
• Expanded regional residential history when the 12 months criteria has not been met due to relocation for work. A letter from the applicant’s employer confirming the temporary relocation is required to verify. Before you had to be living in the regional area for 12 months prior to qualify.
• Family Home Guarantee is now open to single natural or adoptive parents or single legal guardians of at least one dependent