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Formal Finance

Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 33 Google reviews · How we rank ›

5.0(33) 87 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansInvestment Property FinanceCar & Personal LoansMortgage BrokerConstruction & Building LoansCommercial & Business FinanceRefinancing
Formal Finance
Location
North Perth
Services
First Home Buyer Loans, Investment Property Finance, Car & Personal Loans
Reviews
33
Ranking
#129 in First Home Buyer Loans
Best for
First-home buyers seeking a transparent broker, and repeat borrowers managing refinancing or investment property finance.

Core details are sourced from this business's Google Business Profile (checked 2026-08-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Formal Finance delivers consistently positive outcomes across first-home purchases, refinancing, and investment loans. Reviewers credit Brent, Nathan, Rebecca, and Teejay for expert guidance and honest advice, while Emma handles administration with patience and speed. The team's hallmark is turning complex finance into a straightforward, low-stress experience.

Staff availability extends to weekends and after-hours. Clients return repeatedly for refinancing and recommend the brokers to friends. No complaints appear in the 33 reviews, though detail on product pricing or lender relationships remains limited in what reviewers share.

Praised for
  • knowledgeable and transparent brokers
  • Emma's responsive admin support
  • stress-free, smooth process
  • staff go above and beyond
  • clear explanations and guidance
responsive-communicationgot-best-ratesmooth-settlementexplained-clearlywent-above-and-beyondknowledgeable-brokerpatient-with-questionshandled-complex-situationreliable-followupgreat-with-first-home-buyers
Best for: First-home buyers seeking a transparent broker, and repeat borrowers managing refinancing or investment property finance.

What are they good at?

  • Named brokers with deep client loyalty
  • Admin support that answers questions weekends and after-hours
  • Strong track record with complex transactions and refinancing
  • First-home specialist with access to grants and low-deposit schemes

Worth knowing

  • Brent Fourie: long-term client relationships, multiple refinancing cycles handled
  • Nathan: investment property and land purchase specialist
  • Rebecca: pre-approval to settlement efficiency, weekend availability
  • Emma: admin support praised for speed and patience across all client types
  • Teejay: first-home and land purchase guidance
  • Team responds to queries on weekends and after hours

What reviews say by service

First Home Buyer Loans
Clients praise clear guidance through pre-approval to settlement; access to first-home grants and low-deposit schemes valued.
Refinancing
Multiple reviewers credit Brent and team with seamless refinancing at excellent rates; strong repeat business.
Investment Property Finance
Nathan and Emma guided investment property purchases smoothly; transparent communication through the process.
Construction & Building Loans
Website claims new home construction loan support; limited review evidence.
Commercial & Business Finance
Website lists commercial and business finance; no review evidence in current sample.
Car & Personal Loans
Directory category listed; no review evidence in current sample.

How it compares

  • Rated 5 against a 4.92 average across the 365 first home buyer loans businesses listed here.
  • Has more Google reviews than 61% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 97
Review volume 66
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
33
4
0
3
0
2
0
1
0

FAQ

Can I contact them outside business hours?
Yes. Reviewers report Emma and brokers respond to queries on weekends and after hours.
Do they help first-home buyers access government schemes?
Yes. Their website lists first-home owners grant assistance, 5% deposit scheme, and help-to-buy scheme support.
Can they handle investment property loans?
Yes. Reviewers describe smooth investment property purchases and refinancing, managed by Nathan and Emma.

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Last updated 2026-08-30