Your home for home loans.
02 — Finance
Licensed mortgage broking
It’s home loan support from people you already know and trust.
We’re proud to offer home loan advice and brokerage through The Perth Property Co. Finance — a licensed mortgage broking service delivered by our in-house team. Whether buying your first home, refinancing, or investing, we’ll help you find the right loan from a panel of lenders.
03 — Tools to help you plan
Updated for WA, 2026–27
Your situation
You could borrow about
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Debt-to-income of 6× or more: lenders limit how many of these loans they write, so options may be narrower.
How it works: your after-tax income (2026–27 rates plus Medicare), less living costs, repayments and 3.8% of card limits, tested at your rate plus the 3% buffer lenders must apply, over 30 years. Price to consider = loan + savings, less stamp duty and about $2,500 in fees.
Estimates only. Not credit advice. The Perth Property Co. Finance · Australian Credit Licence 389320.
Get a real answer from NadijaYour loan
Your repayment
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Balance over time with and without your extra repayments and offset. Total repaid (standard): —.
Estimates only. Not credit advice. The Perth Property Co. Finance · Australian Credit Licence 389320.
The purchase
Transfer duty (stamp duty), WA
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WA general rates: $1.90 to $5.15 per $100 across five brackets. First home owner rate from 7 May 2026: no duty on homes up to $600,000 (vacant land $450,000), with a concession up to $800,000 ($550,000 land). The concession band here is modelled as a straight-line phase-in to general rates at the cap; check the exact figure with RevenueWA.
Estimates only. Not credit advice. The Perth Property Co. Finance · Australian Credit Licence 389320.
Buying costs
Cash you’ll need
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Deposit · fees . Fees are typical examples; your quotes will vary.
Estimates only. Not credit advice. The Perth Property Co. Finance · Australian Credit Licence 389320.
Your sale
Estimated money in your pocket
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Home staging in Perth can cost around $2,000 to $5,000 (OpenAgent, 2025). With us, styling from our own inventory is complimentary with eligible listings.
An estimate for planning, not a valuation or advice. Book an appraisal for a figure you can rely on.
04 — How we help
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Why use a mortgage broker?
Finding the right loan isn’t just about the lowest rate but the proper structure, flexibility, and long-term fit. As licensed mortgage brokers, we look beyond the big banks to explore options from a broad panel of lenders. We compare on your behalf, explain your choices clearly, and advocate for what’s best for you, not for the lender.
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How we help you
We give you straightforward, tailored lending advice based on your goals — whether you’re buying, refinancing, building, or investing. With access to a wide panel of lenders, we help you cut through the noise, compare the right options, and confidently move forward.
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What happens next
We begin with a quick chat. We recommend the right loan. We manage the whole process.
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Start your journey
Tell us where you’re at, or apply through our online portal.
