We're specialist mortgage brokers in Perth, and we secure approvals where others fall short. Knocked back by a bank, self-employed, no deposit, expat income or a mark on your credit file — those are the deals we do every week, across a panel of more than 50 lenders.
First home or next home — find out what you can borrow before you go to an open.
Start buyingIf your loan is over two years old, it's worth a look. We'll tell you honestly if it isn't.
Review my loanA decline is usually a policy mismatch, not a verdict on you. This is our speciality.
Talk it throughFive quick questions. No credit check, no obligation, and nothing touches your credit file. You'll see which lending path fits your situation and exactly what we'd need from you.
Banks assess against one rulebook. This tells you which of the 50+ lenders on our panel are built for a situation like yours.
Pick the closest match.
Most brokers are set up for the straightforward deal. We're built for the one with a complication in it — because a decline is almost always a policy mismatch, not a judgement on you.
Skip Lenders Mortgage Insurance entirely with the right lender and profession. Lower upfront cost, and it works with a smaller deposit than most people expect.
See if you qualify
Built for self-employed borrowers. Prove income with what you actually have — BAS, an accountant's declaration or business bank statements — instead of two years of perfect financials.
Check low doc options
From as little as a 5% deposit — and in some cases none at all with the right guarantor structure. A far quicker path in than saving for another two years.
See the deposit options
Defaults, arrears or a past credit event don't have to end it. Specialist lenders assess the story behind the file — and we know which ones, and how to present it.
Talk it through
Foreign income, offshore employment contracts and non-resident buyers. We handle the currency shading, the servicing rules and the lenders who genuinely play in this space.
Buying from overseas
Structure beats rate when you're building a portfolio. Equity release, splits, offsets and trust lending set up so the next purchase isn't blocked by the last one.
Plan the portfolioTypical examples of the files we take on — the situation, why it was declined elsewhere, and what changed the answer. Illustrative scenarios, not specific clients.
These are illustrative scenarios showing the kinds of situations we work with. They are not specific client files, and the figures and timeframes are examples only — every application is assessed on its own merits and outcomes vary. Approval timeframes depend on the lender and on how complete the application is.
Decline letters rarely explain anything useful. Pick what you were told and see what the lender was actually assessing — and what changes the answer.
Or pick the closest thing to it.
General information only. It doesn't take your objectives, financial situation or needs into account, and isn't credit assistance — every application is assessed on its own merits.
No phone tag, no waiting to hear back. Choose a slot and you'll get a confirmation straight away.
Free, no obligation. We'll cover what you're trying to do, what's achievable, and the next step.
Demonstration times only — connect a real booking tool so these reflect actual availability.
First homes, upgrades, investments and builds right across the Perth metro. Click any photo to take a closer look.
Photography is illustrative stock imagery. Replace with photos of real client settlements (with written permission) when available — genuine local photos will always outperform stock.
Walk into a branch and you get that lender's policy, that lender's rate, and that lender's yes or no. We compare a panel of more than 50 and take your file to the ones whose policy actually fits it — which is the whole reason difficult deals get approved.
You'll know where you stand before anything touches your credit file — including when the honest answer is "not yet, and here's exactly what to fix first".
Sixteen distinct lending specialities. The complicated file isn't an exception here — it's the day job.
Valuations, conditions, solicitors and settlement dates. You get an update whether or not there's news.
A Wanneroo office, a local number and an overseas line for expat clients. You deal with a person, not a queue.
It starts long before an application. Here's every step, who does what, and roughly how long each part takes.
Scrolling listings at 11pm, doing sums in your head. Maybe a bank has already said no, or you've assumed the answer without asking. Most people sit here far longer than they need to.
One number, answered by a person — not a queue. Or WhatsApp us if you're overseas. Tell us what you're trying to do and what you think the obstacle is.
Call 0433 857 437Fifteen minutes on the phone, or come into the Wanneroo office. We go through income, deposit, credit history and timeline — and you get a straight answer on what's achievable, including if the answer is "not yet".
We send one checklist built around your situation. ID, payslips or financials, bank statements, and details of what you owe. You gather it a single time and we use it across the whole lender panel.
Get your checklist nowThis is the part that matters. We run your file against a panel of 50+ and shortlist only the lenders whose policy genuinely fits your income type, deposit source, credit history and residency.
We package the file so credit sees a clean story that already answers the obvious questions — then submit and chase it. Only now does a credit enquiry appear, and only with the lender you chose.
Now the fun part, and you're doing it knowing your number. Found something? Call us before you sign — we'll sanity-check the property type and the finance clause first.
Valuation ordered, conditions cleared, formal approval issued. We chase the lender, the valuer and the paperwork — and you get an update either way, whether or not there's news.
We coordinate with your settlement agent and the lender so it happens on the date it's meant to. Then someone hands you a set of keys, which is the only part of this anyone actually remembers.
Every loan we write gets reviewed annually. Rates move, your situation changes, and lender pricing for existing customers quietly drifts. We'll tell you when it's worth acting — and when it isn't.
A quick guide before you speak to anyone. Move the sliders — nothing is submitted and nothing touches your credit file.
See how each lender would assess this, and what would lift the number.
Important: these are estimates only. Repayments assume a standard principal-and-interest loan at a fixed rate for the full term, and exclude fees, charges, LMI and offset effects. Borrowing power uses a simplified serviceability model with a buffered assessment rate and indicative living expenses — every lender assesses differently and real capacity can vary substantially. Nothing here is an offer of finance or a credit quote.
Stamp duty here is calculated on the real RevenueWA rates, including the first home owner concession — not a generic national estimate.
Settlement agent, building and pest inspection, registration and search fees. Adjust to your own quotes.
How this is calculated: transfer duty uses the current RevenueWA general and first home owner rates (rates page last updated 30 July 2026). The first home owner rate applies to eligible buyers only and eligibility rules are set by RevenueWA, not by us. LMI is an indicative estimate based on typical premium ranges by LVR — actual premiums vary by lender, insurer and loan size, and some professions and lender programs waive LMI entirely. Foreign buyers duty, off-the-plan concessions and any applicable grants are not included. Confirm final figures with RevenueWA and your settlement agent.
See exactly how spare cash into an offset account, redraw or a lump-sum payment shortens a loan term and cuts total interest — move the sliders below.
Prefer it full-screen? Open the calculator in its own tab →
The Perth borrower's guide to getting approved after a decline.
Written for people who've already been knocked back once — what actually caused it, what to fix, and which lenders look at things differently.
No spam. One email with the guide, and we'll only follow up if you ask us to.
Write the guide once and it works permanently — it turns calculator traffic into contactable leads instead of anonymous visitors. Connect this form to your email platform before launch.
We're based in Wanneroo and we write loans right across the metro. Local valuers, local builders and a real understanding of which suburbs lenders are cautious about.
ANZ Broker of Excellence
You get one person who knows your file from the first call to settlement and beyond — not a different name each time you ring. That continuity is what makes hard deals possible: your broker already knows the history, the lender's quirks and what you're trying to achieve.
Satish Kadyan · Credit Representative CRN 551506
Meet the team
An award judged by ANZ on service quality and client outcomes, not just volume — recognition from a major lender that the file quality and follow-through are there deal after deal.
We're currently collecting written reviews from recent clients — check back soon, or feel free to ask us directly for references.
A short call, no obligation and no cost. You'll come away knowing your borrowing capacity, the realistic options and the next step — even if that step is "wait three months and do this first".
Fill this in and we'll come back within one business day. Nothing here is an application and nothing touches your credit file.
Grab the free guide: What To Do When A Bank Says No. The six real reasons applications get declined, and how to fix each one.
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