Best mortgage brokers in Perth

Why it ranks first

Locale Homes stands out among Perth brokers for walking clients through the entire build journey, not just finance, from securing a block to vetting builders and reviewing contracts. Reviewers name nine different staff members individually, a sign the quality holds across the team rather than resting on one advisor. With 331 reviews and a composite score of 94.8, it's one of the most consistently praised operations in this group.

Pros

• ✓Dedicated named advocates assigned to each client
• ✓Covers the full journey from land search to builder vetting to finance
• ✓Jargon-free, transparent contract explanations
• ✓Available after hours and works through complex visa or budget situations

Why it ranks second

This ANZ team has a habit reviewers keep repeating: getting approvals across the line after other lenders said no. Ryan, Sallie, Lisa and Kirsty are named often enough, by enough different reviewers across 209 five-star ratings, that the strength looks like a team trait rather than one person's talent. Clients who've stuck with the same broker for over a decade are common here, which says something about the trust built over repeat dealings.

Pros

• ✓Track record of approvals when other lenders decline
• ✓Long-term client relationships, 10+ years common
• ✓Quick response times and clear, jargon-free explanations
• ✓Handles first-time buyers, investors and complicated refinances alike

Why it ranks third

Varlo Finance has racked up 778 reviews without a single rating below five stars, an unusually large sample for this list. Ryan and Jordan are named specifically for moving deals fast while still shopping around for competitive rates rather than settling for the first offer on the table. The scale of positive feedback here is hard to match, though the composite lands at medium confidence given how the score weighs verification alongside volume.

Pros

• ✓All five-star reviews across 778 customers
• ✓Fast approvals and settlement turnaround
• ✓Named staff (Ryan and Jordan) cited for going beyond the basics
• ✓Transparent comparison shopping for rates

Why it ranks fourth

What separates Loan Market Ellenbrook is the follow-up: reviewers describe staff running rate reviews without being asked, catching better deals clients didn't know to look for. Brett Richardson, Paul Fernie, Anthony Roe and Juan each get individual mentions for patience through paperwork and after-hours availability. Refinancing and first-home advice come up as particular strengths across 483 reviews.

Pros

• ✓Proactive rate reviews without prompting
• ✓Four named, experienced brokers rather than a single point of contact
• ✓After-hours availability for time-sensitive questions
• ✓Step-by-step explanations that build client confidence

Why it ranks fifth

Michael Welton, Phill and Isabelle are credited by reviewers for persistence when applications hit snags, and for simplifying steps that trip up first-home buyers especially. The franchise brings over 75 years of combined family broking experience and holds ACL 246786, covering Joondalup, Banksia Grove, Hocking, Sinagra, Tapping and Wanneroo. Beyond home loans, the range extends to construction, bridging, conveyancing and insurance.

Pros

• ✓Named brokers widely praised for personal attention
• ✓Approvals secured even after initial bank rejections
• ✓Patient guidance built for first-home buyers specifically
• ✓Wide service range: construction, bridging, conveyancing, insurance

Why it ranks sixth

Primus Home Loans runs a concierge service that helps with offers and paperwork, a detail reviewers mention as taking real weight off their shoulders during purchases. Mel and Alicia are named repeatedly for turning a potentially overwhelming process into something manageable, whether the client is a first-home buyer, investor, or building from scratch. The range extends into niche territory like FIFO income and self-managed super fund lending.

Pros

• ✓Concierge service for offers and settlement paperwork
• ✓Handles niche cases: FIFO income, self-managed super lending
• ✓Named staff (Mel and Alicia) praised across loan types
• ✓Advocacy-first approach rather than pushing a particular product

Why it ranks seventh

Tusk Finance keeps working after the deal closes: reviewers mention six-monthly check-ins to flag better rates, a detail rarely mentioned elsewhere in this group. Michael Killiner, Ed Bosisto, Sean and Mima appear across years of reviews, covering first homes, upgrades, refinancing and construction loans, without a single reviewer mentioning pressure or rushing. Same-day and after-hours responses come up often enough to look like standard practice rather than an exception.

Pros

• ✓Six-monthly rate check-ins after settlement
• ✓Same-day and after-hours responses
• ✓No-pressure explanations covering pros and cons of each option
• ✓Named brokers guide clients personally from start to finish

Why it ranks eighth

Brodie Brown's team gets singled out for catching problems before they become issues, a proactive habit that shows up across reviews of first-home buys, refinancing and investment purchases. Repeat clients and referrals are common, which tracks with reviewers describing being treated as a priority rather than a transaction. Lara and Jason round out a team reviewers say keeps things moving and responds fast.

Pros

• ✓Brodie Brown responds promptly and proactively
• ✓Complex finances handled without added stress
• ✓Repeat clients return for multiple rounds of finance
• ✓Results that often beat client expectations

Why it ranks ninth

Central Lending Solutions covers ground across Osborne Park, Subiaco, Joondalup, Scarborough and Fremantle, with John, Keeley, Liz, Aoife and Harj each named for tracking clients through obstacles like visa delays and multiple applications. Self-employed applicants and investors get the same transparent lender comparisons as first-home buyers. Staff stay in contact right through to settlement rather than handing off once approval comes through.

Pros

• ✓Named staff stay in contact through to settlement
• ✓Transparent, side-by-side lender comparisons
• ✓Handles self-employed and complex applications
• ✓Coverage across multiple Perth suburbs

Why it ranks tenth

Plus Loans runs on Daniel Leung's speed and clarity, with reviewers repeatedly citing quick replies and deals that move without friction, whether the client is buying a first home, refinancing, or investing. Clients return for repeat loans, which suggests the trust holds up beyond a single transaction. The business operates across Perth and Midland under a licensed mortgage broking service.

Pros

• ✓Consistent, fast responsiveness from Daniel Leung
• ✓Speed through approval and settlement
• ✓Clear explanations of complex loan terms
• ✓Repeat clients across multiple loans

Why it ranks #11

Surrey Road Finance handles a wider range than most on this list, from first-home purchases through to commercial property and entity structures, with Charles, Dylan, Nathan, AJ and Vish all named for responsiveness and handling complexity without delays. Several reviewers specifically say this is the only broker they'd use again, or that the experience outdid brokers they'd used before. Regular check-ins and proactive gap-spotting come up often in the feedback.

Pros

• ✓Named staff consistently praised for responsiveness
• ✓Comfortable with complex transactions and entity structures
• ✓Clear explanation of documentation requirements
• ✓Proactive communication and regular check-ins

Why it ranks #12

Laszlo Szollosi is the name behind almost every review here, praised for plain-language explanations and for being reachable on weekends when timelines get tight. Reviewers describe him pivoting them to better-suited lenders mid-process rather than sticking with the first option, and following up after settlement. Repeat clients return specifically for that ongoing, low-pressure guidance.

Pros

• ✓Plain-language approach to complex loan concepts
• ✓Weekend and after-hours availability during tight timelines
• ✓Willing to pivot to a better-suited lender mid-application
• ✓Repeat clients return for long-term guidance

Why it ranks #13

Tyson and Nathan have a reputation among reviewers for solving loan scenarios other brokers turned down, managing the process for clients even when face-to-face meetings weren't an option due to distance. First-time buyers, refinancers and investors report feeling supported from pre-approval through to settlement, with calm communication cited as a recurring theme. Multiple customers have returned for later property deals.

Pros

• ✓Track record with complex or previously declined scenarios
• ✓Clear, tailored communication for borrower understanding
• ✓Comfortable managing remote clients at a distance
• ✓Reliable post-settlement follow-up

Why it ranks #14

Paul and Justin deliver quick, personal service according to reviewers, adjusting strategy when a client's circumstances shift rather than sticking to a fixed script. Rapid settlements and thoughtful aftercare, one reviewer mentions a congratulations hamper, come up alongside a willingness to work around bank delays to hit deadlines. Both brokers handle first-time buyers, refinances and investment loans with equal reviewer satisfaction.

Pros

• ✓Fast loan approvals and settlement
• ✓Patient explanation of complex terms for first-time buyers
• ✓Willing to work around bank delays to hit deadlines
• ✓Personal aftercare beyond the settlement date

Why it ranks #15

Jackson and his team earn praise for treating every case with equal care, whether it's a first loan or the fourth one for a returning client. Sabrina and Jie Ling get specific mentions alongside Jackson for professionalism, and reviewers describe plain-English explanations that hold up regardless of how complex the loan is. No complaints turn up in the recent review history, and repeat business across multiple years stands out as a pattern.

Pros

• ✓Repeat clients return across multiple loans and years
• ✓Plain-English explanations regardless of complexity
• ✓Team approach with Jackson, Sabrina and Jie Ling all named
• ✓Consistent professionalism with no recent complaints noted