Your Trusted First Home Buyer Mortgage Broker in Perth - Real Lender Choice, Every WA Grant Checked, Low-Deposit Pathways Explained, and Local Support From First Chat to Settlement Day.
As your first home buyer mortgage broker in Perth, we do the hard part for you. Ezy Loans Australia compares first home buyer loans Perth wide across a panel of dozens of lenders, so you get real choice and a better chance of approval instead of walking into a single bank.
From your first question about deposits to the day you collect your keys, we guide you through every step, from Joondalup to Rockingham and everywhere between. You deal with one licensed local broker, not a call centre.
You should not have to navigate hundreds of products alone. That is exactly what a first home buyer mortgage broker in Perth is for. We work out your borrowing power, line up every grant and low-deposit scheme you qualify for, and handle the paperwork and lender follow-ups, so buying your first home feels clear and achievable.
The Bottom Line: A first home buyer mortgage broker in Perth gives you access to many lenders in one place, plus expert help with grants, low-deposit options and pre-approval. Talk to Ezy Loans for free, obligation-free advice, then let us find the first home loan that fits you best.
Precision Home Loan Guidance Backed By Expert Local Brokers For Buyers Right Across Perth, Young Couples, Low-Deposit Buyers, 5% Deposit Buyers, Self-Employed Buyers
Buying your first home is hard, getting the loan should not be. As your first home buyer mortgage broker in Perth, Ezy Loans Australia compares every option across [LENDER_COUNT] lenders, checks each WA grant and low-deposit pathway you qualify for, then manages the file through to settlement day.
Powered By Australia's Leading Lenders
Because we work through the Australian Finance Group panel, your file is compared across [LENDER_COUNT] banks, credit unions and specialist lenders at once. Keystart, the WA government lender, sits alongside the majors, so low-deposit buyers are assessed properly rather than declined by one bank.
From First Chat To Front Door, Step By Step
Your first home buyer mortgage broker in Perth starts with your savings, your income and the suburbs you are searching, from Baldivis and Ellenbrook to Scarborough. That free chat shows what is realistic.
Free Consultation and Goals
Your first home buyer mortgage broker in Perth starts with your savings, your income and the suburbs you are searching, from Baldivis and Ellenbrook to Scarborough. That free chat shows what is realistic.
Pre-Approval and Borrowing Power
We work out your borrowing power and arrange <a href="https://ezyloansaustralia.com.au/home-loan-pre-approval-broker-in-perth/">pre-approval</a>, so you know your ceiling before house hunting and can offer with real confidence.
Compare Loans, Grants and Pricing
We compare loans across the panel and line up every scheme you qualify for, including the <a href="https://ezyloansaustralia.com.au/first-home-owner-grants-by-state/">first home owner grant WA</a> and Keystart, then recommend what costs least.
Settlement and Your Keys
We manage the application, the paperwork and the lender through to approval and settlement, keeping you updated until the day your settlement agent hands over the keys.
WESTERN AUSTRALIA
First Home Buyer Support Available in WA
Four separate schemes can apply to a first home purchase in Western Australia, and they are administered by three different bodies. Most buyers qualify for more than one. We check every line of this table against your circumstances during the first conversation, at no cost.
Support | What it provides | Administered by | Worth checking if |
|---|---|---|---|
First Home Owner Grant | A one-off grant toward a newly built home or a home built on your own land | RevenueWA | You are buying or building new |
Transfer duty concession | Reduced or nil transfer duty below the state value thresholds | RevenueWA | Your purchase sits under the cap |
Home Guarantee Scheme | Purchase with a low deposit and no lenders mortgage insurance | Housing Australia | You have a small deposit saved |
Keystart | Low deposit lending for eligible WA buyers, with income and price caps | Keystart, WA Government | You fall outside mainstream lender policy |
Home Buyers Assistance Account | A contribution toward incidental purchase costs on an established home | Department of Energy, Mines, Industry Regulation and Safety | You are buying established through a licensed agent |
Amounts, income tests and property price caps are set by government and change without notice. This table names the support that exists rather than quoting figures that date. Ask us for the current numbers before you budget for settlement.
ASKED BY PERTH FIRST HOME BUYERS
What Perth Buyers Ask a First Home Buyer Mortgage Broker in Perth
How much can a first home buyer borrow in Perth on a single income?
A single income buyer in Perth can usually borrow between four and six times their gross annual salary, though the figure varies widely by lender.
Lenders assess you at a buffer rate well above the rate you will actually pay, and they subtract your existing commitments first. Credit card limits count even if the balance is zero, and buy now pay later accounts count too. Clearing a small limit can lift your capacity more than a pay rise.
What are the hidden costs of buying a first home in Perth?
Beyond the deposit, budget for transfer duty, settlement agent fees, building and pest inspection, lender fees, council rate adjustments and moving costs.
On a typical Perth purchase these add up to a meaningful sum that catches buyers out at the worst moment. Your first home buyer mortgage broker in Perth should itemise every one of them before you make an offer, not after your finance is approved.
Which Perth suburbs suit first home buyers with a small deposit?
There is no single answer, because lender valuation policy matters as much as the asking price does.
Some lenders restrict lending in postcodes they consider high density or higher risk, which can quietly reduce how much they will lend against the same property. A first home buyer mortgage broker in Perth checks postcode policy before you fall in love with a place, so the valuation does not surprise you.
Do first home buyers pay transfer duty in Western Australia?
Eligible first home buyers in Western Australia pay reduced transfer duty, and below a certain value threshold they pay none at all.
The thresholds are set by the state and reviewed periodically, and they apply differently to vacant land and established homes. Confirm the current figures before you budget. We check your eligibility as part of the application rather than leaving it to settlement.
"Most first home buyers who walk into our Hay Street office have already decided they cannot afford it. Usually they can. They were measured against one lender instead of [LENDER_COUNT]."
- Amrinder Singh, Credit Representative 505232, Ezy Loans Australia
WHAT PERTH CLIENTS SAY
First Home Buyers Who Worked With Amrinder
Why Perth First Home Buyers Choose Ezy Loans
A panel of [LENDER_COUNT] lenders, WA grant expertise, and a first home buyer mortgage broker in Perth who works for you rather than a bank. Built on trust earned one Perth settlement at a time.
Real Lender Choice
Access to a panel of [LENDER_COUNT] lenders, so you compare first home buyer loans Perth wide in one place rather than one bank at a time.
Licensed and Accountable
Credit Representative 505232 under Australian Credit Licence 377294, with a legal best interests duty on every first home loan we arrange for you.
First Home Owner Grant WA Experts
We know the Home Guarantee Scheme, Keystart, the WA transfer duty concession and the Home Buyers Assistance Account, and we claim every one you are entitled to.
Obligation-Free, Start To Finish
Our advice costs nothing, and your first home buyer mortgage broker in Perth manages the whole file, so the loan keeps moving without you chasing a call centre.
WHERE WE WORK
First Home Buyers We Help Across Perth
Our office is at 905 Hay Street in the Perth CBD, and we work with buyers right across the metropolitan area. Most conversations happen by phone or video at a time that suits you, so location is never the limiting factor.
Perth CBD, Joondalup, Wanneroo, Ellenbrook, Midland, Morley, Bayswater, Scarborough, Cottesloe, Fremantle, Cockburn, Rockingham, Baldivis, Mandurah, Armadale, Gosnells, Canning Vale, Southern River, Butler, Alkimos
Buying outside the metro area or interstate? We arrange lending Australia wide, so a move later does not mean starting again.
Questions About First Home Buyer Loans Perth
Most lenders like to see around 20% of the property value to avoid Lenders Mortgage Insurance, but you do not always need that much. Many buyers purchase with 5% or 10% saved, and some pay no LMI at all through a government guarantee.
A Keystart home loan Perth option can start lower again for eligible applicants, so the honest answer depends on your income, your savings history, and which lender ends up assessing your file.
Perth buyers may be able to use the expanded 5% Deposit Scheme, the Help to Buy shared equity scheme, and the first home owner grant WA, along with the stamp duty concessions set by the state.
Eligibility depends on your household income, the purchase price, and whether the property is newly built or established. The thresholds are reviewed regularly, so always check the current figures before assuming that you miss out.
Yes. Low deposit lending is one of the most common ways that first home buyers get into the Perth market sooner than they had expected to.
Depending on the lender you may borrow with only 5% or 10% saved, using a government guarantee, a family guarantor, or a Keystart home loan Perth arrangement if you are eligible. Each of those routes carries different costs and conditions.
A first home buyer mortgage broker in Perth compares loans across many different lenders, not just one bank, and then recommends the option that genuinely suits your income, your deposit and your plans.
We handle pre-approval, paperwork and lender follow-up. Our service is obligation-free, and we are paid by the lender once your loan settles, so expert help costs you nothing in most cases.
Timeframes vary by lender and how ready your documents are, but pre-approval can often be arranged within a few days. Full, unconditional approval usually follows once you have found a property and it has been valued. We prepare your application carefully and chase the lender for you, which helps your first home buyer home loan move as quickly as possible.
No. We are based at 905 Hay Street in Perth and most of our clients buy across the metro area, from Joondalup down to Mandurah, including buyers using a Keystart home loan Perth pathway.
We also arrange lending Australia wide, and we work by phone, email and video at a time that suits you, so moving interstate later does not mean starting again.
Amrinder Singh
Amrinder Singh has arranged residential and asset finance since 2019 and founded Ezy Loans Australia at 905 Hay Street, Perth. As a first home buyer mortgage broker in Perth he also handles investment, construction, self employed and vehicle finance. Credit Representative 505232 under Australian Credit Licence 377294, held by Mortgage Australia Group Pty Ltd.
- Compare [LENDER_COUNT] lenders in one place, not one bank
- Every WA grant and low deposit scheme checked before you apply
- One licensed Perth broker from first chat to settlement
Let's Get You
Contact Us
Get a Free Consultation
No obligations. Speak to Amrinder Singh direct on 0432 066 362 about your first Perth home.
Ezy Loans Australia is a Perth-based mortgage and finance brokerage helping first home buyers, investors and refinancers across Australia secure the right loan with confidence.
Contact Info:
- 905 Hay St, Perth WA 6000
- amrinder@ezyloansaustralia.com.au
- 0432 066 362