Best car & personal loans brokers in Perth

Why it ranks first

Central Lending Solutions tops the list with a 94.5 composite score built on 316 reviews, the deepest review base among Perth's loan specialists. Staff named John, Keeley, Liz, Aoife and Harj get singled out for tracking clients through visa delays, property swaps and multiple applications without losing momentum, and for laying lender offers side by side rather than pushing one option.

Pros

• ✓Named staff stay in contact right through to settlement
• ✓Lender offers compared transparently rather than one option pushed
• ✓Handles first-home buyers through to complex, multi-application cases
• ✓Coverage across Osborne Park, Subiaco, Joondalup, Scarborough and Fremantle

Why it ranks second

Daniel Leung runs a tight, responsive operation that matches Central Lending Solutions on composite score with 296 reviews behind it. Clients come back for a second and third loan and describe a process with no friction, from first-home purchases through refinancing and investment lending.

Pros

• ✓Daniel Leung personally handles first home, refinance and investment loans
• ✓Quick replies and fast approval turnaround
• ✓Complex loan terms explained in plain language
• ✓Clients return for repeat loans across Perth and Midland

Why it ranks third

Rory and Gariet at Habitat Finance have built a client base that returns over years for different properties and loan types, backed by 200 reviews at a near-perfect rating. They're specifically noted for handling trickier situations, like interstate refinancing, with the same patience shown to first-time buyers.

Pros

• ✓Named brokers with decade-long client relationships
• ✓Thorough with first-time buyers, patient with questions
• ✓Comfortable with multi-property and interstate refinancing
• ✓Fast approval and settlement reported across reviews

Why it ranks fourth

Diana McKenzie and the Loanport team stand out for sticking with first-home buyers through months of questions rather than rushing to close, and for prioritising better rates over quick deals. With 164 reviews and repeat clients across refinances and investment loans, the team including Michelle, Karinne and Diane is credited with tailoring solutions rather than reaching for a template.

Pros

• ✓Diana McKenzie's market knowledge cited repeatedly
• ✓Works with first-home buyers for as long as it takes
• ✓Compares lenders to chase better rates, not just speed
• ✓Responsive outside standard business hours

Why it ranks fifth

Sahil and Shaz at Strawberry Finance have carved out a reputation for taking on borrowers other brokers turned away, including self-employed income, high LVR deals and previous rejections. With 160 reviews and reports of next-day approvals, the team pairs speed with the kind of proactive updates that keep stressed borrowers informed.

Pros

• ✓Takes on complex cases and past rejections
• ✓Same-day or next-day approvals reported
• ✓Covers first-time buyers, investment, refinancing and bridging finance
• ✓Transparent communication from first contact to settlement

Why it ranks sixth

Hayden and his team at Premium Portfolio Finance are unusual for staying engaged after settlement, actively working to keep clients' rates competitive rather than moving on once the deal closes. With 141 reviews spanning WA and Queensland, multiple clients with prior brokers or bank rejections credit Hayden with finding terms others couldn't.

Pros

• ✓Broker keeps working on your rate after settlement
• ✓Approvals reported even after banks declined
• ✓Direct phone access to the broker, not just a call centre
• ✓Named support staff Karen and Claire add continuity

Why it ranks seventh

This Mortgage Choice office runs a bigger team than most on this list: Jordan, Adele, Roan, Peter, Princess, Gjoko and Maycon are all named across reviews spanning multiple years, pointing to real staff continuity. With 228 reviews at 4.9 stars, first-time buyers and older applicants both mention staff visiting homes to help with paperwork.

Pros

• ✓Large, stable team named across years of reviews
• ✓Home visits offered to help with paperwork
• ✓Patient with first-time buyers and older applicants
• ✓Clients return and refer friends repeatedly

Why it ranks eighth

Simon and Shannon Hassett are credited with turning a process many clients dreaded into something manageable, breaking mortgages down in plain language and picking up calls outside normal hours. With 115 reviews at a near-perfect rating, they're also noted for revisiting a client's rate mid-process if something better comes along.

Pros

• ✓Available outside normal business hours
• ✓Will chase a better rate even after the process has started
• ✓Explains mortgages in plain, jargon-free language
• ✓Consistent service across the small team

Why it ranks ninth

Westend Finance is the closest match on this list to a pure car and equipment loan specialist, with Ben handling car loans, refinancing, truck and equipment finance and personal loans directly. Reviewers consistently mention his speed in getting back to people and his willingness to work around awkward situations like FIFO schedules or tight timelines.

Pros

• ✓Focused on car, truck, equipment and personal loans
• ✓Fast responses and constant updates through the process
• ✓Handles complex financial situations, including FIFO income
• ✓Holds an Australian Credit Licence and over a decade in operation

Why it ranks tenth

Proteger's team, Rob, Jamie, Sarah, David, Alf and Justin, are named for solving tight timelines and difficult bank negotiations that other brokers might walk away from. Across 85 reviews not one complaint surfaces about rates, fees or service, and staff are noted for regular check-ins rather than going quiet after the application is lodged.

Pros

• ✓Named staff handle tight timelines and tough negotiations
• ✓No complaints on rates, fees or service across 85 reviews
• ✓Plain-English explanations for first-time buyers
• ✓Regular check-ins throughout the process

Why it ranks #11

Jarrad and Deb are known for relentless follow-up, chasing lawyers and banks directly to push applications through to settlement, and for being reachable outside office hours. With 82 reviews at a perfect rating, existing clients bring refinances and new purchases straight back to them without shopping around.

Pros

• ✓Available outside office hours for questions
• ✓Actively chases lenders and lawyers on your behalf
• ✓Breaks down complex loan terms into plain language
• ✓Repeat clients return without seeking other brokers

Why it ranks #12

Allen personally handles refinances, first-home purchases and investment loans at Quick Smart Finance, with 73 reviews all landing at five stars. Reviewers point to his knowledge of lender policies and his habit of going beyond standard service to hit tight deadlines.

Pros

• ✓Allen handles all loan types personally
• ✓Deep knowledge of lender policies and rates
• ✓Consistently fast approvals against tight deadlines
• ✓Patient, thorough explanations for first-time buyers

Why it ranks #13

Daniel Meilech and Brian Willis handle most of Blackburne's transactions and are praised for speed and clarity across first-time buyers, refinances, investment property and construction finance. With 112 reviews, repeat clients cite approvals within days and better rates than they expected.

Pros

• ✓Daniel Meilech and Brian Willis named for consistency
• ✓Approvals reported within days on multiple deals
• ✓Covers construction finance alongside standard home loans
• ✓Works through technical or paperwork snags without frustration

Why it ranks #14

Jay, Linh and Dino at Luxe Finance Group are named across recent reviews for handling construction loans, equity release and debt consolidation alongside standard purchases, with every recent review landing at five stars. Clients mention late-night calls and regular updates without needing to chase for them.

Pros

• ✓Handles construction, equity release and debt consolidation
• ✓Late-night availability and proactive updates
• ✓Patient with first-time buyers, explains jargon-free
• ✓Adapts quickly when a client's circumstances change

Why it ranks #15

Dave Satyam leads a small team, with Flora, Mars and May also named, that guides investment and business loans through approval within days, backed by 38 reviews all at five stars. It's a smaller sample than others on this list, but reviewers consistently mention prompt call-backs and lenders compared for competitive rates.

Pros

• ✓Compares lenders to find competitive rates
• ✓Handles investment and business loan applications
• ✓Settlements completed on time
• ✓Staff answer calls and respond promptly