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Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 176 Google reviews · How we rank ›

5.0(176) 94 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansSelf-Employed & Low-Doc LoansInvestment Property FinanceRefinancingCar & Personal LoansMortgage BrokerConstruction & Building LoansCommercial & Business Finance
In Mortgage & Finance Services
Location
West Perth
Services
First Home Buyer Loans, Self-Employed & Low-Doc Loans, Investment Property Finance
Reviews
176
Ranking
#36 in First Home Buyer Loans
Best for
First-time buyers and existing clients refinancing; those with complex circumstances needing patient, sustained support.

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?

Reviewers consistently highlight named brokers-Charlotte Rubbo, Rob Lowdon, Janine Carpenter, Tim, and Drew-who deliver knowledgeable, patient guidance through refinances, first purchases, and complex deals. Staff explain options clearly, answer questions promptly, and stay accessible throughout, turning what could be stressful into a straightforward process.

The firm's strengths centre on professional responsiveness, honest advice on interest rates, and genuine commitment to client outcomes. Multiple reviewers mention returning over years, and Janine (director) personally steps in when circumstances shift. No complaints appear in the review pool.

Praised for
  • personal, invested service
  • knowledgeable and professional staff
  • clear communication and updates
  • handles complex situations
  • stress-free process
responsive-communicationknowledgeable-brokerpatient-with-questionswent-above-and-beyondhandled-complex-situationgreat-with-first-home-buyersreliable-followupsmooth-settlementexplained-clearly
Best for: First-time buyers and existing clients refinancing; those with complex circumstances needing patient, sustained support.
Think twice if: No material complaints in reviews; all inputs support confidence in service quality.

What are they good at?

  • Named brokers with deep client loyalty
  • Honest rate comparison and refinance advice
  • Handles complex and unconventional situations
  • Team includes director who steps in personally

Worth knowing

  • Named brokers: Charlotte Rubbo, Rob Lowdon, Janine Carpenter (director), Tim, Drew, Jeffrey
  • Rob Lowdon has retained same clients over 5+ years for multiple transactions
  • Janine Carpenter has served repeat customers
  • Charlotte Rubbo helped client through complex refinance when outcome seemed uncertain
  • Staff handle settlement paperwork and ensure funds ready on time
  • Director Janine steps in personally when circumstances change mid-process

What reviews say by service

First Home Buyer Loans
Reviewers praise staff for making first purchase straightforward and stress-free despite complexity.
Refinancing
Staff provide honest rate-comparison advice and handle complex refinances with persistence; multiple clients refinance through them after initial purchase.
Investment Property Finance
Service mentioned in website list; no specific review detail provided.
Mortgage Broker
Named brokers deliver knowledgeable, patient guidance and prompt responsiveness across all loan types.
Self-Employed & Low-Doc Loans
Service mentioned in website list; no specific review detail provided.
Construction & Building Loans
Service mentioned in website list; no specific review detail provided.

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 93% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 99
Review volume 98
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
176
4
0
3
0
2
0
1
0

FAQ

Do I need to have worked with IMFS before to get good service?
No. Reviewers praise first-time customer experiences equally to repeat clients. Charlotte Rubbo and Rob Lowdon are both noted for their first-purchase guidance.
What if my situation is complicated-can they still help?
Yes. Multiple reviewers mention complex circumstances (unconventional refinances, challenging life situations, problem-solving) where staff worked tirelessly to find solutions.
Will I hear regular updates during the process?
Yes. Reviewers consistently note staff keep them updated every step, answer questions promptly, and communicate from day one through settlement.

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Last updated 2026-08-30