A good mortgage broker in Perth should do more than find a low rate. They compare lenders for your income and deposit, explain fees and features, and put your interests ahead of their own commission. Western Australian buyers also deal with state-specific costs such as transfer duty, first home concessions and the timing of settlement, so local knowledge matters when you compare brokers.
For this list we read each broker’s own website and kept only firms with a stated Greater Perth office that offer residential lending. We note the credit licence or credit representative details shown on each site, and where a site did not state one we say so. If you are buying a home, our list of removalists in Perth and the wider Perth hub may also help.
Mortgage Brokers In Perth At A Glance
Company
Based In
Best For
Known For
Habitat Finance
South Perth
Home loans and commercial finance
Founded in 2003 by Rory Cowman
Momentum Wealth Finance
Subiaco
Property investors
Finance linked to a property investment group
Strategic Mortgages Perth
Perth CBD
First home buyers and investors
Over 30 lenders and a named broker team
Resolve Finance
Leederville
Established brokerage with a large panel
Doors opened in 1997
Loan Market Bal and Associates
Welshpool
Investors and non-standard lending
Over 45 lenders and a family-led team
Fox Mortgages
Joondalup
Northern suburbs home buyers
Over 260 Google reviews
Better Choice Mortgage Services
Balcatta
Home loans for the north-west suburbs
30-plus lenders and construction finance
Probroker
West Perth
Self-employed and commercial borrowers
Residential and equipment finance
Best Mortgage Brokers In Perth
1. Habitat Finance — Home Loan And Commercial Finance Broker In South Perth
Habitat Finance and Capital is based at Level 1, 8/100 Mill Point Road, South Perth. Its site says Rory Cowman founded the firm in 2003, and that he was the youngest member inducted into the AFG Hall of Fame and has a regular place in MPA’s Top 100 Mortgage Brokers. It lists home loans and refinancing, debt recycling, commercial property finance in Western Australia, business loans, equipment and car finance, and finance for property investors. The site quotes access to about 40 lenders, shows MFAA, CAFBA, AFG and AFCA logos, and gives Australian Credit Licence 385447. The team on its site includes Michael Harris, who leads commercial lending, and Gariet Chow. That mix of residential and commercial experience suits owner-occupiers, investors and small business owners who may need to finance a home and a commercial property or equipment through one broker.
Momentum Wealth Finance is part of Momentum Wealth, based at Level 1, 38 Station Street, Subiaco. The firm holds Australian Credit Licence 384632 through Momentum Wealth Finance Pty Ltd. Its wider group offers property investment strategy, buyer’s agency, property management, development and fund services, so the broking arm is built for investors rather than owner-occupiers alone. The site says it has supported more than 3,000 clients since 2006, and lists awards that include an MFAA 2026 State Winner for diversified business, Business Eye Awards 2026 for Best Large Non-Franchise Office, and PIPA Business of the Year in 2025. It does not publish a lender panel size. Because the group also sells property services, ask how finance advice is separated from property recommendations and whether any referral arrangements apply. It suits investors building a portfolio who want finance planned alongside a purchase strategy.
Strategic Mortgages Perth works from 1/308 Fitzgerald Street, in the Perth postcode 6000. Its site describes itself as an authorised credit representative of Connective Credit Services, which holds Australian Credit Licence 389328, and gives its own ABN. It lists home loans, refinancing and investment property loans, and through Strategic Property Group offers settlement and property management support. The site says brokers have access to over 30 lenders and shows a five-star Google rating from 52 reviews, along with media mentions on The West Australian, 7NEWS, 9 News and 6PR. The team is named: Trent Fleskens as founding director and mortgage broker with over 15 years in the Western Australian property market, Ben O’Keefe, Richard Morris and Barry Jamie. It suits first home buyers, upgraders and investors who want a small named team and the option of related property services.
4. Resolve Finance — Established Home Loan Brokerage In Leederville
Resolve Finance lists a Perth office at 2/301 Vincent Street, Leederville, alongside offices in Bunbury and Melbourne. Its site says its doors first opened in 1997, which makes it one of the longer-running brokerages in this list. Resolve Financial Solutions Pty Ltd holds Australian Credit Licence 385487, and a sister company, Bluebay Home Loans, trading as Resolve Home Loans, holds 389250. The site says clients can access a panel of over 50 lenders and lists home, personal, commercial and car loans, as well as financial planning services. It displays a Top 25 Broker seal from The Adviser for 2019 and a heading about being a top 15 brokerage for 15 years running, without further detail. With more than one office and several brokers, it suits borrowers who want a larger firm, a wide panel and a choice of broker, including Bunbury-based clients.
Bal and Associates is a Loan Market brokerage at 17/8 Tomlinson Road, Welshpool. Its page says the business has been helping clients with their goals for 30 years, and names Balpreet Bal and Sharon Bal as directors, with brokers Parisa Jalali and Paul McPhee. The page lists home loans for investors, first home buyers and refinancing, along with interest-only, non-conforming, building, development and commercial loans, and quotes over 45 lenders in one place and 60 or more banks and lenders elsewhere. Awards it lists include Best Residential Broker and Broker of the Year at the 2020 Better Business Awards, an MFAA WA Young Professional Award in 2019 and Loan Market recognition between 2016 and 2019. The page does not state its credit licence, so check the Loan Market licence on the ASIC register. It suits investors, self-employed borrowers and those needing building or non-standard finance.
6. Fox Mortgages — Home Loan And Vehicle Finance Broker In Joondalup
Fox Mortgage Services is at 4/53 Davidson Terrace, Joondalup, with its entrance on Boas Avenue, serving Perth’s northern corridor. The site lists home loans, refinancing, first home buyer loans, vehicle finance, business and equipment finance, commercial loans, finance for professionals and financial planning. It says brokers have access to over 30 lenders and cites more than 260 five-star Google reviews. Its disclosure says it operates as a credit representative, number 483820, authorised under Australian Credit Licence 389328. The page calls the firm award winning but does not name an award, so we have not counted it as one, and it mentions over 40 years of combined banking experience without giving a founding year. The business suits first home buyers, families and professionals in Joondalup, Wanneroo and the northern suburbs who prefer a local office and one broker handling both property and vehicle finance.
Better Choice Mortgage Services is at Suite 12, 10 Whipple Street, Balcatta, and shows a licence number of 384621 on its site, although the page does not describe what type of licence this is, so confirm it on the ASIC register. It lists home loans, business and commercial loans, car and equipment loans, construction finance, refinancing, and first home buyer and low deposit loans, with access to more than 30 lenders. The site calls the business multi-award winning without naming awards, and customer testimonials mention staff such as Vic, Melanie and Lachlan. Its offer is wide, covering personal, business and building finance, which suits borrowers whose needs cross categories, such as a family building a home who also needs equipment or vehicle finance. Its Balcatta office is convenient for Stirling, Osborne Park, Scarborough and Wanneroo residents who want a face-to-face appointment rather than a purely online process.
8. Probroker — Self-Employed And Commercial Finance Broker In West Perth
Probroker Mortgage and Finance Specialists is at 45 Ventnor Avenue, West Perth. Its site lists home purchase, refinancing and property investment loans, self-employed solutions, commercial lending and equipment finance. Its disclosure shows Jonathon Bowker as a credit representative, number 467176, and Probroker Pty Ltd as a corporate credit representative, number 519015, of Mortgage Specialists Pty Ltd, which holds Australian Credit Licence 387025. The site says it is an accredited member of an industry body shown by a logo, and shows an AFCA logo, but the text does not name the body, so ask which one applies. It does not publish a lender panel size, founding year or awards. The focus on self-employed and commercial borrowers makes it a sensible choice for business owners, contractors and investors with more complex income, who may need a broker comfortable with alternative documentation.
How To Choose A Mortgage Broker In Perth
Is The Broker Licensed By ASIC?
Every broker must either hold an Australian Credit Licence or be an authorised credit representative of a licensee. Ask for the licence number and credit representative number, and check them on the ASIC registers. ASIC regulates the industry, and brokers must also belong to the Australian Financial Complaints Authority scheme. Industry bodies such as the Mortgage and Finance Association of Australia and the Finance Brokers Association of Australia add codes of conduct, but membership is voluntary and does not replace a licence.
What Is The Best Interests Duty?
Since January 2021, mortgage brokers have had a legal duty to act in the best interests of the consumer and to prioritise the consumer’s interests where there is a conflict, as set out by ASIC in Regulatory Guide 273. In practice, a broker should be able to explain why a recommended loan suits your objectives and finances, and keep records of that advice. Ask the broker to show how they compared products, not just the lowest advertised rate.
How Do Brokers Get Paid?
Most brokers are paid commission by the lender, so you may pay no upfront fee, but some charge a fee for complex or commercial work. Ask for the commission and fee arrangements in writing, whether trail commission applies, and whether the broker would be paid differently by different lenders. A broker with a large panel is not automatically better than one with a smaller panel, because what matters is how many suitable lenders they actually compare for your situation.
Which Lenders Does The Broker Use?
Panel sizes of 30, 40 or 50 lenders sound impressive, but ask which lenders the broker has placed recent loans with and whether credit unions, non-bank lenders and specialist lenders are included. This matters for self-employed borrowers, those with a smaller deposit, and investors. A broker who is part of an aggregator group may use that group’s panel, so ask what is available to you and whether any lender is favoured.
What Should I Check For Perth And WA Buyers?
Ask the broker about first home buyer concessions and grants in Western Australia, how transfer duty is calculated, and how pre-approval affects your timing on an offer. Our guide to stamp duty in WA explains the duty rates and concessions in more detail. Your broker should also coordinate with your conveyancer and settlement agent on dates, so the loan is ready by settlement. Pre-approvals expire, and a change of income or a new debt can change what you can borrow, so keep your broker informed until settlement.
Conclusion
The brokers above include founder-led firms with long histories, such as Habitat Finance and Resolve Finance, investor-focused teams such as Momentum Wealth Finance and Bal and Associates, and local offices in Joondalup and Balcatta for northern suburbs borrowers. The right choice depends on your situation: a first home buyer, a self-employed borrower and a property investor will want different strengths.
Before you commit, verify the licence or credit representative number, ask how the broker is paid, and compare at least two written recommendations. For related help, browse the Perth hub.
