Perth borrowers can begin with Orange Mortgage and Finance Brokers, The Perth Mortgage Specialist, Finance365, Mortgage Choice, Fox Mortgage, Ming Finance, Habitat Finance, Yellow Brick Road, Top Mortgages and Elite Finance. The city’s large number of mortgage brokers includes local specialists, national networks and firms serving both households and businesses.
Choose among these mortgage brokers according to the file. Construction, low-doc, commercial and first-home buyer work each call for different experience. Check the individual broker’s authority and usable panel, then compare recent work with the same borrower and property type. Written fees and commission disclosure should arrive before an application is lodged, along with a clear explanation of who manages lender follow-up and post-settlement reviews.
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Orange Mortgage and Finance Brokers
Orange Mortgage and Finance Brokers is a North Perth practice led by Laszlo Szollosi. The current service covers established-home purchases, construction, refinancing and investment loans. SMSF mortgages, parental guarantees and options for some new arrivals extend its work to borrowers who need more than a standard purchase loan.
The firm describes a process that starts with the borrower’s needs, moves through comparison and recommendation and continues with lender follow-up to settlement. That continuity can help a First Home Buyer understand deposit rules, acceptable property types and any current government scheme. Scheme eligibility and lender policy should be confirmed before the buyer commits to a property. The provider displays Australian Credit Licence 390618.
Orange also discusses digital application access and regular loan reviews. Remote document handling may suit busy clients or people outside central Perth, while the broker remains responsible for explaining the recommendation. A later review should consider remaining term and switching costs as well as the current rate.
Phone: 0425 212 636. Website: https://www.orangefinance.net.au/
The Perth Mortgage Specialist
The Perth Mortgage Specialist names Michael Harris as its broker and advertises access to more than 30 lenders and over 1,400 loan products. Its range includes basic variable, fixed and split loans as well as construction and bridging finance. Ongoing loan health checks after settlement may suit borrowers who want one broker to monitor the loan beyond the initial transaction.
The provider also lists reverse mortgages, interest-only options, lines of credit and low-doc loans. These products can differ sharply from a standard principal-and-interest loan in evidence, eligibility and long-term cost. The broker should explain which panel lenders were considered and how the recommended structure serves the borrower’s objectives.
The current service statement says there is no direct client fee or passed-on clawback fee, and the credit guide explains lender commission. Flexible weekday and weekend appointment times can make the service accessible, though response-time promises should still be checked against the client’s actual deadline. Website: https://www.perthmortgagespecialist.com.au/
Finance365
Finance365 is a Perth mortgage-broking business with a stated focus on construction finance. First-home buyer lending, refinancing and property-investment loans complete its residential range. The team compares panel products and manages application paperwork, which can reduce the administrative load on clients building a home.
Construction borrowers should expect the broker to coordinate builder documents, valuations and progress payments, while leaving room for variations and cost overruns. Finance365 also offers business finance for equipment, working capital and other shorter-term needs. The loan assessment should remain separate from any opinion on whether a property or business investment is suitable. Finance365 identifies itself as an authorised credit representative of Finsure Finance and Insurance Pty Ltd, Australian Credit Licence 384704.
Phone: 08 6166 6391. Website: https://www.finance365.com.au/
Mortgage Choice
Mortgage Choice Perth operates from St Georges Terrace. The local team works with home buyers, including first home buyers, refinancers and property investors. Construction, car and Business Loans broaden the service for clients whose borrowing needs extend beyond one home loan.
The local team says it has served Perth borrowers for more than 20 years. A long trading history can indicate stable local operations, though the individual broker still determines the file experience. Clients should know whether Mortgage Choice or Smartline authorises that person and who handles processing. The proposed rate, fees and loan terms should be compared with another workable panel option where one is available.
Mortgage Choice Pty Limited displays Australian Credit Licence 382869 and says the broker will identify the applicable licensee. Phone: 08 9485 0090. Website: https://www.mortgagechoice.com.au/
Fox Mortgage
Fox Mortgage Services is a Perth team serving first-home buyers, existing owners and investors. Vehicle, equipment and business finance sit alongside its home-loan work, including commercial loans. The provider advertises access to more than 30 lenders and offers in-person or online consultations.
This mix may suit a business owner who wants equipment funding and personal property finance discussed with one team. The broker should still separate the facilities and explain the security, term and evidence required for each. A broad service list does not mean the same lender or adviser handles every category.
Fox says lender commission covers its mortgage-broking service, but the borrower should still receive the commission and fee disclosure. Compare total loan cost rather than focusing only on interest rates. For Commercial Loans, establish whether a direct fee applies and which consumer protections sit outside the transaction.
The business also lists financial planning. A client using that service needs a separate scope, authorised adviser and explanation of how it connects with the loan recommendation. Phone: 08 9304 9682. Email: admin@foxmortgages.com.au. Website: https://foxmortgages.com.au/
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Ming Finance
Ming Finance is based in Nedlands and serves borrowers across Australia. Its residential work covers home and investment lending, with personal loans, car, equipment and commercial finance also available. The firm provides SMSF Loans for eligible fund structures.
The provider advertises more than 40 lenders and specialist pathways for several professions, FIFO workers, self-employed borrowers and some temporary residents. This can help when ordinary salary assumptions do not fit the client. Low Deposit Home Loans still depend on lender policy, security and borrower eligibility. Lenders mortgage insurance may also apply. A provider approval rate does not forecast the result of an individual file.
Ming also discusses fixed, variable and interest-only home loans. The right structure depends on how the property will be used, the borrower’s repayment plans and their need for flexibility. Investors and SMSF borrowers may also need tax, legal or financial advice outside the broker’s credit role.
Ming Finance displays credit representative 499020 under Australian Credit Licence 389328. Phone: 08 9386 6166. Email: info@mingfinance.com.au. Website: https://mingfinance.com.au/
Habitat Finance
Habitat Finance and Capital says it was founded in 2003 and now works across residential and business finance. Home purchases, refinancing, investment and construction loans form its residential service. Commercial lending, business funding and equipment finance may suit clients who want related facilities considered by one brokerage. The firm advertises access to 40 lenders.
Residential broking is described as lender-paid, while commercial transactions can involve a disclosed direct fee. The engagement should identify which category applies and what work the fee covers. Habitat’s online calculators can estimate repayments and stamp duty during early planning, but current state rules and the lender’s assessment determine the actual figures.
The firm also provides guides for first-home buyers, refinancers and business borrowers. These resources can help a client prepare documents and questions before meeting the broker. The final recommendation still needs to reflect current products and the borrower’s own position.
Phone: 1300 428 322. Website: https://www.habitatfinance.com.au/
Yellow Brick Road
Yellow Brick Road is a national broking network serving home buyers, refinancers and investors. Its current range includes construction and self-employed lending, while business, commercial, equipment and asset finance extend the service beyond residential mortgages. The branch and broker assigned to the client will determine which parts of that range are available.
The network advertises thousands of products from more than 35 lenders. Those totals describe the whole panel rather than the realistic shortlist for one borrower. Review the interest rate alongside fees and Comparison Rates, then test useful features and policy against the client’s needs. The broker should explain which lenders were actually considered.
Yellow Brick Road provides credit services through Yellow Brick Road Finance Pty Limited, Australian Credit Licence 393195. The Customer Service team can be reached on 1300 884 240. Website: www.ybr.com.au
Top Mortgages
Top Mortgages says it has provided finance broking in Perth for 20 years. Its current work includes home, investment, construction and equity loans as well as car and commercial finance. Borrowers can use a digital or in-person application process, making it suitable for clients who value either remote convenience or face-to-face discussion.
The provider advertises 800 loan options from 35 lenders and advice without a direct client charge. A useful comparison will narrow those figures to the products that fit the client’s income, deposit, property and timing. The broker should explain relevant lender exclusions and why the final options were selected. The site displays Australian Credit Licence 378386.
Top Mortgages also promotes after-hours availability and work with self-employed or credit-impaired borrowers. These cases can require extra evidence or specialist pricing, so recent experience with the exact issue matters more than the total product count.
Phone: 1300 308 225. Website: topmortgages.com.au
Elite Finance
Elite Finance Australia is an Osborne Park brokerage for home purchases, including first-home and off-the-plan buyers. It also handles refinancing, investment lending and business finance. The broker manages the paperwork and follows the application through approval, which gives the client one contact for lender conditions and missing documents.
The provider works with Australian Finance Group, Australian Credit Licence 389087. The current credit guide should identify the individual broker’s representative details and explain lender commission or any direct fee. Elite promotes a quick process, but approval timing still depends on a complete file, lender capacity and valuation. Off-the-plan buyers should also allow for valuation and policy changes before settlement.
Online guides and calculators can help borrowers estimate repayments before the first meeting. They can also give an early view of borrowing power and purchase costs. These are planning tools rather than credit decisions, and the final recommendation needs current lender figures and the client’s verified financial position.
Phone: 0481 984 268. Website: https://www.elitefa.com.au/
