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Element Finance Fremantle

Updated 2026-10-30 · 6,797 reviewed · 451 listed · Scored from 51 Google reviews · How we rank ›

4.9(51) 88 composite score See reviews on Google ✓ Google-verified
Mortgage BrokerRefinancingInvestment Property FinanceFirst Home Buyer Loans
Element Finance Fremantle
Location
Fremantle
Services
Mortgage Broker, Refinancing, Investment Property Finance
Reviews
51
Ranking
#108 in Mortgage Broker
Best for
first-time buyers and self-employed applicants navigating bank rejections

Core details are sourced from this business's Google Business Profile (checked 2026-10-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Reviewers consistently report smooth experiences from first application through settlement, with staff taking time to explain options and keeping them informed at every stage. The team have secured rate cuts after purchase and helped self-employed applicants navigate bank rejections, building long-term client relationships across multiple transactions.

Praised for
  • patient guidance through complex process
  • professional and personable service
  • proactive rate negotiation
  • responsive and transparent communication
responsive-communicationgot-best-ratesmooth-settlementexplained-clearlypatient-with-questionshandled-complex-situationreliable-followupgreat-with-first-home-buyers
Best for: first-time buyers and self-employed applicants navigating bank rejections

What are they good at?

  • staff follow up after settlement to find better rates
  • explains every step so borrowers understand the process
  • persistent with difficult applications (self-employed, tight timelines)
  • long-term relationships across multiple loans

What reviews say by service

First Home Buyer Loans
reviewers praise calm guidance through daunting market entry and step-by-step explanations
Refinancing
staff proactively negotiate rate cuts and manage seamless switches between banks
Investment Property Finance
portfolio growth supported through tailored guidance as clients scale property holdings
Mortgage Broker
expert service securing approvals for self-employed applicants despite initial bank rejections

How it compares

  • Rated 4.9 against a 4.91 average across the 381 mortgage broker businesses listed here.
  • Has more Google reviews than 71% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 94
Review volume 75
Review recency 100
Review sentiment 80
Profile completeness 100
Verification 30

Rating breakdown

5
50
4
0
3
0
2
0
1
1

FAQ

Do you help self-employed borrowers?
Yes. Reviews describe the team negotiating bank approvals for self-employed applicants who faced initial rejections, including on tight timelines.
Can you negotiate a better rate after I buy?
Yes. One recent review notes the team proactively contacted them months after settlement and negotiated a rate reduction, lowering their monthly repayment.
What areas do you serve?
Fremantle, Joondalup, and Perth.

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Reviewers keep describing the same experience: a broker who answers questions, keeps clients updated, and explains mortgage terms in plain language. Several say the process was quick, even over busy periods like Christmas. Recent reviews also cover refinancing, first home purchases, and a top-up loan for a car. One reviewer with casual income says the broker still found a suitable bank loan. Across the reviews, the team is praised for care, honesty, and follow-through.

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Every recent review is five stars, and across all 19 recent reads the experience is consistent: the team answer questions at each stage, respond quickly, and explain what's happening without jargon. Clients describe the process as stress-free rather than complicated, even when their circumstances were tricky (visa status, blended families, business ownership, complex restructures). The team handles first homes, refinances, property restructures, and investment lending. Settlement agents have praised their communication. Repeat clients-some coming back after four years-cite trustworthiness and the feeling of having Perth's best broker working for them.

Mortgage BrokerRefinancingInvestment Property Finance

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Last updated 2026-10-30