Best commercial and business finance in Perth
Fifteen Perth finance specialists, ranked on Google review evidence using our methodology. Only businesses where finance is a primary service are included, and scores were last updated 30 October 2026.
Most reviews here centre on home loans and refinancing, with business and asset finance mentioned for a few firms. For a broader view of home lending, see the best mortgage broker overall list. Order follows the composite score, which rewards rating, review volume and recency, so profiles with few reviews are flagged as lower confidence.
Picks are ranked by score and relevance to commercial & business finance, so a lower overall score can rank higher here.
At a glance
| # | Business | Score | Rating | From | Best for |
|---|---|---|---|---|---|
| 1 | FQ Finance | 93 | 5 (165) | — | All-round home and refinance |
| 2 | LnL Finance | 90 | 5 (69) | — | Complex refinances, repeat clients |
| 3 | The Finance Agency | 90 | 5 (63) | — | First home and asset finance |
| 4 | Prudent Finance | 90 | 4.9 (87) | — | Purchases, refinances, novated leases |
| 5 | iSecure Loans | 86 | 5 (20) | — | Long-term home loan relationships |
| 6 | Encharge Capital | 79 | 4.8 (23) | — | First-time buyers, equipment finance |
| 7 | Viridian | 83 | 5 (11) | — | Interstate and complex cases |
| 8 | WA Finance Services | 77 | 5 (8) | — | First home buyers, after-hours help |
| 9 | Fundd | 81 | 5 (7) | — | Fast callbacks, tricky files |
| 10 | MoneyQuest - Midland | 78 | 4.8 (20) | — | Midland first home and refinance |
| 11 | Lets Finance | 71 | 4.2 (57) | — | Home loans, with caution |
| 12 | My Money House | 73 | 4.3 (21) | — | Investment property loans |
| 13 | Accord Accountants & Advisors | 72 | 4.9 (11) | — | Fremantle tax and business advice |
| 14 | Wealth & Security Planners | 70 | 5 (4) | — | Mortgage and planning together |
| 15 | Cathay Mortgages Pty Ltd | 68 | 5 (22) | — | Complex or declined applications |
Ranked picks

FQ Finance
Why it ranks first
A 5.0 rating from 165 reviews is the deepest evidence base on this list, and recent reviews keep the same tone. Clients describe a low-stress run from first call to settlement, with jargon explained in plain terms. Several say the team took over a file from a previous broker who had gone quiet.
Pros
- Clear explanations of loan numbers and options
- Quick replies by phone and email
- Covers home loans, refinancing and house and land builds
- Strong results on rates and deal terms
Services: Commercial & Business Finance, Self-Employed & Low-Doc Loans, Investment Property Finance, Construction & Building Loans

LnL Finance
Why it ranks second
Five stars across 69 reviews, with clients saying complex refinances and first home purchases stayed on track. Several have used the team across multiple loans over the years, which points to lasting relationships.
Pros
- Plain-terms explanation at each step
- Responsive to questions
- Handles complex refinance and purchase cases
- Long-term repeat clients
Services: Commercial & Business Finance, Self-Employed & Low-Doc Loans, Construction & Building Loans, Mortgage Broker

The Finance Agency
Why it ranks third
Five stars from 63 reviews, with consistently positive recent feedback. The work spans first home loans, land purchases, business loans and asset finance, so it suits borrowers who may need more than one product. Reviewers mention help with the First Home Owner Grant and patient handling of many changes.
Pros
- Fast replies by phone and email
- Patient with first home buyers
- Business and asset finance under one roof
- Clear updates through each stage
Services: Commercial & Business Finance, Self-Employed & Low-Doc Loans, Construction & Building Loans, Mortgage Broker

Prudent Finance
Why it ranks fourth
A 4.9 rating from 87 reviews, with recent praise for fast responses and regular progress updates. Reviewers also mention help with novated lease payouts and land loans, and strong results on tight timelines.
Pros
- Clear updates through each loan step
- Patient with first-time buyers
- Help with refinancing and pre-approval
- Novated lease payout help
Services: Commercial & Business Finance, First Home Buyer Loans, Mortgage Broker, Refinancing

iSecure Loans
Why it ranks fifth
Five stars from 20 reviews, centred on one broker's patient, detail-focused advice. Reviewers cite proactive rate reviews, fast approval and settlement, and help with cases like overseas relocations. The review count is modest, so the evidence is thinner than the top profiles.
Pros
- Patient, thorough guidance
- Fast approval and settlement
- Proactive rate reviews
- Clear explanations of complex processes
Watch out: Reviews focus on one broker, so ask who will handle your file.
Services: Commercial & Business Finance, Mortgage Broker, Refinancing, Investment Property Finance

Encharge Capital
Why it ranks sixth
A 4.8 rating from 23 reviews, with praise for speed and plain-language explanations. Work covers refinancing, investment loans, first homes and equipment finance. Reviewers mention weekend meetings and rate checks after settlement. The business states 15+ years of experience and MFAA membership.
Pros
- Results in weeks, not months
- Explains clearly to first-time buyers
- Weekend meetings available
- Rate monitoring after settlement
Watch out: One older review gave a low rating without detail.
Services: Commercial & Business Finance, Car & Personal Loans, Mortgage Broker, Refinancing

Viridian
Why it ranks seventh
All 11 reviews are five stars, describing calm, jargon-free guidance and willingness to take on complicated situations, including clients at a distance. It covers first home buyer advice, refinancing and personal loans. With 11 reviews, confidence is medium.
Pros
- Named brokers known for clarity
- Handles interstate clients
- Proactive follow-up
- Transparent process
Services: Commercial & Business Finance, Car & Personal Loans, Mortgage Broker, Refinancing

WA Finance Services
Why it ranks eighth
Eight five-star reviews with no complaints, and repeat clients spanning a decade. Reviewers say the team handles paperwork end to end and stays available outside standard hours. Low confidence because the review count is small.
Pros
- Handles paperwork end to end
- Available outside standard hours
Watch out: Only eight reviews, so treat the score as an early signal.
Services: Commercial & Business Finance, Refinancing, Car & Personal Loans, First Home Buyer Loans

Fundd
Why it ranks ninth
Seven five-star reviews, the latest from the past two months. Most praise one broker for fast callbacks, steady updates and pushing for good rates on complicated files. The small review count keeps confidence at medium.
Pros
- Calls returned fast
- Helped with complicated files
Watch out: Reviews centre on one broker and only seven in total.
Services: Car & Personal Loans, Commercial & Business Finance, Mortgage Broker, Refinancing

MoneyQuest - Midland
Why it ranks tenth
A 4.8 rating from 20 reviews, with recent reviews positive. Clients praise patient step-by-step explanations and quick settlements. The website lists it as a credit representative under Australian Credit Licence 487823.
Pros
- Patient, step-by-step explanations
- Quick settlements
- First home buyer and refinance experience
- Responsive to questions
Watch out: One older review raised self-employed applications, so ask about experience if that applies to you.
Services: Commercial & Business Finance, Car & Personal Loans, Mortgage Broker, Refinancing

Lets Finance
Why it ranks #11
A 4.2 rating from 57 reviews, with mixed feedback. Some reviewers praise individual brokers for clear advice and helping them into first homes. Review text is limited and confidence is low, so weigh this profile lightly.
Pros
- Named brokers praised for clear advice
- Helped some buyers into first homes
- Strong home loan results reported
- Solid review volume
Watch out: Some reviewers mention slow or missed replies, so plan to confirm how you will be contacted.
Services: Commercial & Business Finance, Refinancing, Car & Personal Loans, Investment Property Finance

My Money House
Why it ranks #12
A 4.3 rating from 21 reviews. Recent praise covers clear guidance for first-time investors and debt reduction. Feedback is mixed, though, so read the recent reviews before committing.
Pros
- Investment property loan guidance
- Debt reduction support
- Staff praised for patience
- Clear explanations for first-time investors
Watch out: Some reviews mention slow callbacks and a refund issue, so confirm timelines and deposit terms upfront.
Services: Car & Personal Loans, Commercial & Business Finance, First Home Buyer Loans, Investment Property Finance

Accord Accountants & Advisors
Why it ranks #13
A 4.9 rating from 11 reviews, mostly short and older, about tax returns and long-term accounting support. Finance is not clearly the main service here, and confidence is low, so it suits those wanting an accountant first.
Pros
- 4.9 rating from 11 reviews
- Tax return help for years
- Business and tax advice
- Responsive and easy to deal with
Watch out: Reviews are mostly older and focus on accounting.
Services: Commercial & Business Finance, Mortgage Broker

Wealth & Security Planners
Why it ranks #14
Five stars from four reviews, praising patient, hands-on guidance through mortgages and financial planning. Reviewers highlight email and phone availability at all hours. Four reviews is very thin evidence, so confidence is low.
Pros
- Named broker praised across reviews
- All-hours email and phone support
Watch out: Very few reviews, so the score is provisional.
Services: Commercial & Business Finance, Mortgage Broker

Cathay Mortgages Pty Ltd
Why it ranks #15
All 22 reviews are five stars, with reviewers saying the team approved complex applications that other brokers declined. They also cite same-day callbacks and clear guidance for first-home buyers. Confidence is low because many reviews are older.
Pros
- Approves complex applications others declined
- Same-day callbacks
- Step-by-step help for first-home buyers
- Ongoing loan review and refinance support
Watch out: Many reviews are older, so ask about current availability.
Services: Commercial & Business Finance, Construction & Building Loans, Mortgage Broker, Refinancing
How these rankings are worked out
| Signal | Weight |
|---|---|
| Review sentiment | 28% |
| Google rating | 26% |
| Review volume | 20% |
| Profile completeness | 16% |
| Review recency | 10% |
Ranking data checked 2026-10-30 · Full methodology ›
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Guides before you choose
- Commercial loan vs home loan: the key differences for Perth borrowers
Business loans sit outside the National Credit Code, cost more (7.44% vs 6.24% on new loans, RBA July 2026) and need a bigger deposit. What changes and why.