A mortgage broker in Perth compares home loans from many lenders, recommends one that fits your needs and manages the application for you. Brokers must legally act in your best interests and are usually paid by the lender. In the June 2026 quarter, brokers handled a record 81.6% of all new home loans in Australia.
Getting a home loan is one of the biggest financial decisions you will make. With rates rising in 2026 and Perth prices near record highs, choosing the right loan matters more than ever.
That is why most Australians now use a mortgage broker. This guide explains what brokers do, how they are paid and how to find a great one in Perth.
A mortgage broker is a licensed credit professional who helps you find and apply for a home loan. Instead of going to one bank, a broker compares products from a panel of lenders, which can include big banks, regional banks, credit unions and non-bank lenders.
Mortgage brokers in Australia must:
Mortgage brokers facilitated a record 81.6% of all new home loans in the June 2026 quarter, according to research by Cotality commissioned by the MFAA (MFAA).
Borrowers choose brokers because they offer:
Two big trends are shaping Perth borrowers in 2026:
In this environment, the gap between a good loan and an average loan can be thousands of dollars a year. A broker helps you find a loan that fits both your budget and your future plans.
| Factor | Bank lender | Mortgage broker in Perth WA |
|---|---|---|
| Number of lenders | One | Many on their panel |
| Legal duty | Sell suitable products | Act in your best interests |
| Knowledge of other lenders’ policies | Limited | Broad |
| Help with paperwork | Some | Full support to settlement |
| Ongoing loan reviews | Rarely proactive | Often included |
| Cost to you | Usually none | Usually none (lender pays) |
Most brokers are paid by the lender, not by you. They usually receive:
Your broker must give you a credit guide and tell you how they are paid. Some brokers also charge a fee for specialist work, but they must tell you upfront.
Use this checklist:
TFP Tax Accountants combines licensed mortgage broking with tax expertise. Director Kamal Sharma is a Licensed Mortgage Broker and Registered Tax Agent, and Senior Tax Advisor Saroj Manandhar is also a mortgage broker with CPA and CA qualifications.
That means your loan, tax returns and investment plans can all be considered together. Read more about their home loan services in Perth and see client feedback on the firm’s Google Business Profile.
A broker gives you access to many lenders and must act in your best interests, while a bank only offers its own products. For most borrowers, a broker offers more choice.
Most do not charge borrowers, because they are paid by the lender. Your broker must disclose any fees and commissions upfront.
Yes. Brokers regularly help borrowers refinance to a lower rate, release equity or consolidate debt.
Search the ASIC professional register or ask the broker for their Australian Credit Licence or credit representative number.
A good mortgage broker in Perth saves you time, gives you more choice and must put your interests first. In a rising-rate market, that support is worth having. Check their licence, read their reviews and choose a broker who understands your whole financial picture.
This article is general information only and is not credit advice. It does not consider your personal objectives, financial situation or needs. Market data is current as of October 2026.
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