Australia-wide
Cinch Loans is a Melbourne-based mortgage broker with clients in Perth and across WA. Appointments are by video or phone, documents are signed electronically, and the lender panel is the same 90-plus lenders we use at home, with WA policy and schemes applied properly.
Video and phone appointments, Australia-wide
Three things worth knowing before you borrow in Perth.
6000
Postcode
$850,000
First Home Guarantee price cap, Perth
90+
Lenders on our panel, every state and territory
Perth has had the strongest price growth of any capital in recent years, from the western suburbs and the coast to Joondalup, Ellenbrook and the south. Rental vacancy is low and investor demand from the east coast is high.
East-coast investors buying for yield, FIFO and resources-sector clients with variable income, and first home buyers using the WA concessions. FIFO and mining income, with allowances and rosters, is treated differently by every lender. We present it so the assessor counts it, and choose lenders with a WA valuation panel that can turn around a property quickly.
Most Perth clients never meet us in person, and it makes no difference to the outcome. The first conversation is thirty minutes on video or phone: where you are, what you have, what you want to do. You get a written lending plan with the real borrowing figure, the structure and the costs line by line. Documents are uploaded through a secure portal, identity is verified electronically, and we lodge with the lender the same way a local broker would. The team chases every step from valuation to settlement and you hear about progress before you ask.
Western Australia exempts first home buyers from transfer duty on homes up to $500,000 and offers a concessional rate up to $700,000 in Perth, with higher thresholds in regional areas, plus a $10,000 First Home Owner Grant for new homes. The federal First Home Guarantee price cap for Perth is $850,000.
Perth has had a tight rental market and strong price growth, so valuations and settlement timing matter more than they did a few years ago. We work with lenders that have a WA valuation panel and realistic turnaround times.
None of this is personal credit advice. Your situation is assessed before any recommendation, the lender is chosen on the written comparison, and the commission we are paid by the lender is disclosed in your Credit Guide before you decide anything.
Where you are, what you have saved, what you want to buy or refinance. You leave with a borrowing figure, the schemes you qualify for, and a plan in writing. No credit check, no obligation.
Book my free chatCheck my borrowing powerServices: First home buyers · Home loans · Refinancing · Investment loans
Free · no credit check · 0458 872 992
Straight answers. If yours isn't here, ask cinchi (bottom right) or book a chat.
Can a Melbourne broker arrange a loan in Perth?
Yes. Lending is national, the lenders are the same, and WA schemes and stamp duty are applied correctly because we place loans in WA regularly. Appointments are by video or phone and documents are signed electronically.
Do you handle the WA first home buyer schemes?
Yes. Western Australia exempts first home buyers from transfer duty on homes up to $500,000 and offers a concessional rate up to $700,000 in Perth, with higher thresholds in regional areas, plus a $10,000 First Home Owner Grant for new homes. We check your eligibility for the state scheme and the federal First Home Guarantee ($850,000 cap here) before you start looking.
How is the valuation done if you are not local?
Valuations are ordered by the lender from its own panel, exactly as they would be for a local broker. We pick lenders with a valuation panel in your area and realistic turnaround times.
What does it cost?
Nothing. We are paid a commission by the lender you choose, disclosed in writing before you decide, and the recommendation does not change with it.
Same team, same process, wherever you are. All locations
Local knowledge. Lending Australia-wide. A cinch.
Perth
WA
6000
-31.9530
115.8570
peach
mortgage-broker-in-adelaide|Adelaide;mortgage-broker-in-darwin|Darwin;mortgage-broker-in-melbourne|Melbourne
Mortgage Broker Perth | Cinch Loans
Mortgage broker with clients in Perth and across WA. First home, refinance, investment and SMSF loans across 90+ lenders, by video. Free 30-minute chat.