What our Perth home loan broker clients think about us
Our Mortgage Business Lenders in Australia
FIRST HOME BUYER FINANCE
First-time home buyers need a little more care than usual. Our job is to make sure you are informed at every step.
HOME PURCHASE
Your different life stages means you will need a different home and finance with flexibility
CONSTRUCTION LOANS
Thinking of building your dream home. We’ll work closely with you to make sure you have included everything the bank wants.
REFINANCING
We make sure that we can get you a lower interest rate than your existing bank and make sure you have the right structure for your circumstances.
HOW MUCH IS IT GOING TO COST?
We have a few simple to use calculators that can give you the answer.
FAQ / WANT TO KNOW MORE?
Websites are too hard to find information you need. We’ve have created a knowledge base / wiki page with lots of easily searchable information.
North Perth Mortgage Broker Experts
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 bank!
When you’re in search of a local mortgage and home loan broker, 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 Perth mortgage broker service; we provide experienced, personalised, and considerate guidance for your financing needs. Achieving a straightforward application process can be 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 broker 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.
Our Online Mortgage & Home Loans Services
We’ve streamlined our process to be as online as possible, ensuring a quicker journey for you when seeking a Perth mortgage.
Curious about what types of mortgage 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 investment property, you’ll find our online mortgage services an invaluable resource.
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 property market with just a few clicks.
- First Home Owner Loans
- Refinancing Home Loan
- Construction Loans
- Investment Loans
- Parental Guarantees
- New Arrival Home Loans
- SMSF Mortgage
- Home Upgraders
Mortgage Brokers Who Care
Because not many people like sitting on hold on the bank’s customer support line or having to go to a branch a number of times, our job as Perth mortgage brokers is to streamline the process and do all the research for you, speak to the bank (and yes this means sitting on hold), see if we can get the bank to improve on their interest rate, put in the application and see it all the way 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 is the end of the relationship but we like to think it is really the beginning. Specifically, we will try to make contact every 12 or so months to make sure you are still happy with your bank and your personal circumstances haven’t changed. Consequently, every two or three years, we’ll review your situation and make sure we can’t get you a better interest rate either with your currently lender or a new one.
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.
First Home Guarantee (FHBG) is the old First Home Loan Deposit Scheme (FHLDS) – update July-2023 – First Home Buyer Finance
As part of the last election campaign, the federal government announced 35,000 new places released 1-July-2022 and another lot for 1-July-2023 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-2023 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-2023, 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.
- 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
Let’s talk loans…
Call us on 0425 212 636 or fill in the form below.
Getting the right advice is important. One of our accredited mortgage consultants will be happy to help answer your questions.