Perth Mortgage Brokers
Perth mortgage brokers helping you compare home loans, refinance, or review your loan. Clear steps and broker support from Natloans.
Natloans works with buyers and homeowners throughout Perth and surrounds who want to compare home loan options before deciding where to apply. If you’re buying, refinancing, or reviewing an existing loan, a mortgage broker helps you understand how different lenders assess your situation and what choices may be available.
You can work with a Perth-focused mortgage broker by phone or video conferencing, with the same broker supporting you from your first conversation through to settlement.
To get started, you can pre-qualify online or book a consultation with a Perth mortgage broker to talk through your plans.
Why Use a Mortgage Broker in Perth
Lender policies can vary depending on property type, location, and how income is assessed. In Perth, these differences often influence which lenders are willing to lend, how valuations are handled, and how quickly applications move.
Working with a mortgage broker allows you to compare home loan options across a broad panel of lenders instead of relying on a single bank’s criteria. This comparison happens before you apply, helping you understand how rates, features, and lending rules differ.
When you work with a Perth mortgage broker at Natloans, we help to:
- review borrowing capacity and likely repayment ranges
- compare loan options with different rates, fees, and structures
- prepare your application to meet lender requirements
- stay across the process as it moves toward approval
You choose the loan. We handle the comparisons and the follow-ups.
What You Can Expect With Natloans Mortgage Brokers
A Perth mortgage broker should make your options clearer, not more complicated.
This is how Natloans supports you through the process.
- Independent Loan Comparisons We compare home loan options across a wide panel of banks and non-bank lenders, so you can see how different loans stack up before choosing where to apply.
- Clear, Practical Guidance Rates, features, and fees are explained in plain language, helping you understand how each option works and what to consider.
- Support From Start to Settlement We manage the application process, follow up with lenders, and keep you informed as things progress.
- One Broker Throughout You deal with the same broker from start to finish, someone who understands your circumstances and remains your point of contact.
- Ongoing Help After settlement, you can return to us if your circumstances change or you want to review your loan later.
Home Loan Brokers And Banks Work Differently
Both banks and mortgage brokers can help you apply for a home loan.
The difference comes down to how many options you can review and how much support you receive along the way.
Working With a Bank
Loan Options
You’re limited to that bank’s own home loan products.
Who They Represent
Advice is shaped by that bank’s lending rules and products.
Comparisons
You’ll need to research other banks yourself if you want alternatives.
Application Support
The bank processes your application once you’ve selected a product.
Ongoing Help
Support usually ends after settlement.
Working With a Mortgage Broker
Loan Options
You can review loan options from multiple lenders in one place.
Who They Represent
The broker acts on your behalf when comparing lenders.
Comparisons
Loan options are compared side by side, with key differences explained.
Application Support
Your broker prepares the application and manages lender follow-ups.
Ongoing Help
You can return to your broker if you want to review or change your loan later.
Both options can work. Using a broker simply gives you more visibility across the market before you decide.
Apply In Three Steps
Applying for a home loan with Natloans is designed to be straightforward. You can start by checking where you stand, compare options, or move straight into an application when you’re ready.
Your broker remains involved throughout, helping with comparisons, paperwork, and lender follow-ups as things progress.
Choose the step that suits you and take things from there.
Step 1
Pre-Qualify
Answer a few quick questions to confirm what may fit your situation and what you could borrow.
Step 2
We Compare and You Select
Review your loan options side by side, with clear notes on rates, fees, and features.
Step 3
Get Approved
We submit your application and stay involved as the lender reviews it and moves it toward approval.
Perth Mortgage Broker Access
Natloans supports Perth clients through phone and video consultations, making it easy to speak with a mortgage broker without needing to attend a local office. Appointments are flexible and designed to suit different schedules and time zones.
We also assist clients across Western Australia and interstate, with consultations handled by phone or video.
Loan Types We Can Help With
Whether you’re buying, refinancing, or building, our Perth mortgage brokers can help you compare home loan options and apply with confidence.
Support when purchasing a property, including guidance on deposits, repayments, and lender requirements.
Help reviewing your current loan to see whether changes to your rate, structure, or features may suit you better.
Loan options for residential investment purchases, including how lenders assess rental income.
Clear guidance for first-time buyers, including deposits, lender criteria, and available schemes.
Home loan options for self-employed borrowers where standard income documents may not apply.
Finance structures for property purchases through a self-managed super fund, where appropriate.
Loans designed for building or major renovations, with progress payments during construction.
Ready to get started? Begin your application and move toward approval.
Calculators and Tools
If you want to sense-check numbers or compare scenarios before applying, these tools can help you plan with more confidence. They’re useful whether you’re still weighing options or already speaking with a broker.
Borrowing Power Calculator
Estimate how much you may be able to borrow based on income, expenses, and existing commitments.
Home Loan Repayment
See how loan amount, term, and interest rate affect your expected repayments.
Home Offset Calculator
Understand how funds held in an offset account could reduce interest over time.
Mortgage Refinance Calculator
Check how refinancing might change repayments and overall loan costs.
Loan Comparison Calculator
Compare two loan scenarios side by side, including repayments and total interest paid.
Stamp Duty Calculator
Estimate stamp duty based on property value and buyer details in Western Australia.
Lenders Panel
We work with a broad panel of banks and non-bank lenders. This gives your Perth mortgage broker more options to compare before you decide where to apply.
Perth Mortgage Broker Frequently Asked Questions
Do I pay a fee to use a mortgage broker in Perth?
In most cases, no. Mortgage brokers are usually paid a commission by the lender once your loan settles. If any fees may apply to your situation, these are explained clearly before you proceed.
Can a mortgage broker help if I’m self-employed?
Yes. Brokers regularly assist self-employed borrowers, including business owners and contractors. Because lenders assess income differently, comparing policies can be especially helpful.
Is it better to use a broker or go straight to a bank?
Both options can work. A bank can only offer its own products, while a broker can compare loans across multiple lenders. Using a broker gives you a broader view before choosing where to apply.
How long does the home loan process usually take?
Timeframes vary by lender, your circumstances, and the property involved. Some applications move quickly; others take longer due to valuations or additional checks. Your broker keeps you updated throughout.
Can you help with pre-approval before I buy?
Yes. Pre-approval can help you understand your borrowing position before making an offer. Your broker explains what it covers, any conditions, and how long it remains valid.
Do you only work with Perth borrowers?
Natloans works with borrowers across Australia. Perth clients typically work with their broker by phone or video throughout the process.
What documents are usually required?
This depends on the lender, but commonly includes identification, income details, bank statements, and information about existing debts. Your broker will explain what is needed and helps you prepare everything before submission.
Can a broker assist with more complex situations?
Yes. Brokers often assist borrowers with multiple incomes, existing loans, or non-standard circumstances. Comparing lender policies can help identify options that fit better.
Will speaking to a broker affect my credit score?
Initial discussions and pre-qualification checks do not affect your credit score. A formal enquiry usually occurs only when you proceed with an application, and your broker explains this beforehand.
What happens after my loan settles?
You’re not locked into a one-off interaction. You can return to your broker if your circumstances change or if you want to review your loan later.
What Our Customers Say
Read recent feedback from people who have worked with Natloans on their home loans.
Who is Natloans?
Natloans is a trusted Australian finance and mortgage brokerage team. We compare options across a wide lender panel and help you choose a loan that fits your needs. From first questions through to approval, the focus is on clear steps and practical guidance.
Speak With a Perth Mortgage Broker
If you’re ready to take the next steps, you can either start with a quick pre-qualification or book a consultation to talk through your situation with a Perth mortgage broker.