Get property finance help in Perth
Perth's property market has shifted from years of flat growth to one of the fastest-moving in the country, and the lending side has not caught up for everyone. Whether you are a FIFO worker trying to get your income assessed properly, buying your first place in Joondalup, settling a commercial deal in the CBD, or refinancing before your fixed rate expires, we connect you with a finance specialist who handles your type of deal in WA.
Property Finance Help connects borrowers in Perth with finance specialists across home loans, commercial property, construction, development, investment, SMSF and specialist lending. We are not a lender or broker. Perth has a smaller broker and lender panel than Sydney or Melbourne, which means fewer options without specialist help, particularly for mining income borrowers, FIFO workers, remote WA postcodes and non-standard deals.
Home loans
First home buyers, FIFO workers, Keystart applicants and upgraders across Perth metro
Commercial finance
CBD offices, industrial in Kewdale and Welshpool, resource sector property and retail
Mining income lending
FIFO rosters, mining allowances, overtime and site bonuses assessed by the right lenders
Construction finance
New builds, house and land packages, knock-down rebuilds and development loans across WA
What type of finance do you need in Perth?
Start with the category that fits your situation. Each pathway covers the lender criteria, deal structures and documentation that apply to that type of property finance in Perth and across Western Australia.
Home loans for Perth buyers
First home buyers using the $10,000 WA FHOG, upgraders moving from Rockingham to the western suburbs, and FIFO workers whose roster income does not fit standard bank assessments. Perth's median house price has passed $1 million, which puts deposit and stamp duty planning front and centre.
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Mining and FIFO income lending
Allowances, overtime, site bonuses and FIFO loadings can make up 30% to 50% of total income, but some lenders discount or exclude them entirely. The difference between the right and wrong lender for a mining worker can be hundreds of thousands in borrowing capacity. This is Perth's most distinctive finance challenge.
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Commercial lending across Perth
CBD offices, Kewdale and Welshpool industrial, retail in Joondalup and Cannington, and resource sector commercial property like worker accommodation and logistics hubs. Lender appetite for WA commercial varies more than it does on the east coast.
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Construction and development finance
New builds in Perth's northern and southern growth corridors, house and land packages, knock-down rebuilds in established suburbs, and medium-density development. WA's housing supply shortage makes construction finance a major part of the Perth market right now.
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Investment property lending
Perth's strong rental yields and rapid price growth have attracted investors from interstate. Lender rules on rental income, portfolio exposure and WA postcode restrictions all matter here, especially for properties in mining towns or regional WA.
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Refinancing and restructuring
Rate reviews after a fixed period expires, cash-out to fund your next purchase, debt consolidation, and restructuring across a residential or commercial portfolio. With Perth values up sharply since 2023, many borrowers now have more equity than they realise.
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Common Perth finance scenarios
Perth's lending challenges are different from the east coast. Mining income, a smaller lender panel and rapid price growth all create situations that need the right specialist. Here are four we see regularly.
FIFO worker buying in Joondalup on roster income
A plant operator on a 2:1 roster earning $185,000 including overtime and site allowances, buying a $780,000 house in Joondalup. The base salary is $110,000 but the remaining $75,000 comes from overtime, living-away allowance and site bonuses. One major bank assessed only the base and offered $520,000. A non-bank lender who understood the roster accepted the full income profile and approved $700,000. The lender you choose matters more in Perth than almost anywhere else in Australia for this type of borrower.
First home buyer using Keystart and the WA FHOG
A single buyer earning $140,000 with $20,000 in savings, looking at a house and land package in Baldivis for $550,000. With Keystart's 2% deposit requirement, they need roughly $11,000 in deposit plus settlement costs. The $10,000 First Home Owner Grant and full stamp duty exemption (properties under $600,000) stack together to cut the upfront cash needed significantly. Without knowing about Keystart, this buyer would have assumed they needed $110,000 in savings for a 20% deposit.
Buying industrial property in Kewdale for a logistics business
A transport company purchasing a 600 sqm warehouse in Kewdale for $1.4 million through a company trust structure. The lender will assess trading income, lease terms if partly tenanted, the property's zoning and the borrower's existing exposure. Commercial LVR in Perth typically sits between 60% and 70%, meaning a deposit of $420,000 to $560,000. Some lenders are less active in WA commercial than east coast equivalents, so the panel is narrower and the right broker matters more.
Refinancing after Perth's price surge to release equity
A couple who bought in Scarborough for $620,000 in 2021 on an 85% LVR. The property is now worth around $920,000. They want to refinance to release equity for a deposit on an investment property. Their current LVR has dropped from 85% to roughly 57% purely from market growth, putting them in a much stronger negotiating position on rate and structure. A finance specialist can identify which lenders offer the best cash-out terms for their situation.
Which type of lender suits your Perth deal?
Perth has a smaller lender panel than Sydney or Melbourne. Fewer non-bank and private lenders actively write WA deals, which means the right specialist can open doors that are harder to find on your own. Here are the four main lender categories.
The big four all operate in Perth and handle straightforward PAYG applications well. But their appetite for mining income, FIFO loadings and remote WA postcodes is limited. If your deal fits a standard mould, start here. If it does not, a major bank application can waste weeks before coming back with a reduced approval or a decline.
Some non-bank lenders accept mining income, overtime and allowances at a higher percentage than the majors. They can also be more flexible on self-employed income, credit blemishes and non-standard security. Fewer non-banks actively cover WA compared to NSW or Victoria, so knowing which ones are writing Perth deals right now is half the battle.
Keystart is unique to Western Australia. It offers home loans with as little as 2% deposit and no LMI, with income limits of $155,000 for singles and $228,000 for couples. The Perth metro property cap is $860,000 as of April 2026. It is designed for buyers who can service a loan but cannot save a full deposit, and it is worth checking eligibility before assuming you need 20%.
These handle the deals that do not fit bank, non-bank or Keystart channels. Short-term bridging, urgent settlements, complex security, credit-impaired borrowers and high-value commercial. Rates are higher, but speed and flexibility are the trade-off. In Perth's commercial and resource sector property market, timing and lender appetite for WA often matter more than rate.
How it works
Property Finance Help is not a lender or broker. We are a referral service. Here is what happens when you get in touch.
Step
01
Tell us your situation
Use the form below to share what you need: finance type, rough loan amount and a line or two about your deal. Perth is pre-filled as your location.
Step
02
We find the right contact
We review your details and identify a finance specialist, broker or lender who handles your type of deal in Perth. Not a random referral.
Step
03
They get back to you
A finance professional contacts you to discuss your options, assess your position and walk you through the next steps for your specific deal.
Get property finance help in Perth
Working FIFO and struggling to get your income assessed properly? Buying your first place with Keystart or the Home Guarantee Scheme? Looking at a commercial deal in the CBD or industrial property in Welshpool? Tell us what you need and we will connect you with someone who handles that type of deal in WA.
Property Finance Help is a lead generation service, not a lender, broker, or financial adviser. All information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Consider seeking independent professional advice before making any financial decision.
Tell us about your situation
A few details is all we need to find the right Perth finance contact for you.
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