PERTH MORTGAGE BROKER · FIRST HOME BUYER SPECIALIST
You're closer to your first home than you think.
Most Perth first home buyers overestimate what they need by years of saving. Between WA's grants, stamp duty exemptions and low-deposit schemes, the real number might surprise you.
13+ years in WA lending · Backed by Finance 365 · My service costs you nothing — lenders pay me, not you
2%
Keystart deposit
WA's own lender. From a 2% deposit with no Lenders Mortgage Insurance — built for buyers the big banks say no to.
Think you need a 20% deposit? You probably don't.
$120,000 from $12,000
On a $600,000 Perth home, the standard 20% deposit is $120,000. Here's what WA first home buyers can actually use right now:
5%
5% Deposit Scheme, zero LMI
The government guarantees the gap, so you skip $20,000+ in LMI. No income caps, unlimited places since October 2025.
THE DEPOSIT MYTH
$0
Stamp duty + $10k grant
No stamp duty on homes up to $600,000, and a $10,000 First Home Owner Grant if you're building new.
Scheme details current July 2026. Eligibility criteria apply — I confirm exactly what you qualify for.
1
Free Readiness Check
Ten minutes. I look at your income, savings and goals, then tell you your real borrowing power and which grants and schemes you qualify for — before you start scrolling listings.
From 'can we even do this?' to keys in hand
2
Your buying plan
A clear plan: the right lender, the right schemes stacked correctly, and if you're not quite ready, the exact steps and timeline to get there. No judgement, no pressure.
HOW IT WORKS
3
I handle the rest
Applications, grant paperwork, lender negotiations, settlement chasing — my job. Yours is choosing the home. I'm one phone call away the whole time.
What I help with
First home buyers are my specialty — but not the only door I open.
REAL CLIENTS, REAL KEYS
What first home buyers say
★★★★★
Ian and Carlee were absolutely amazing to work with — so informative, helpful, and always kept us up to date. Even when we faced stressful issues with a builder, thanks to Ian's guidance we got the finance we needed and are now building our amazing first home.
Mel - First home buyer · Perth
★★★★★
Ian and Carlee provide great service, which is why I have stayed with them for over a decade.
Paul - Perth
★★★★★
Ian and Carlee were amazing! They made my life so much easier handling everything, very helpful and responsive. I would not have got my loan without them. Highly recommended!
Vincent - Perth
WHY A BROKER — AND WHY ME
The bank works for the bank. I work for you.
A bank can only offer you its own products. I compare across dozens of lenders — including ones you've never heard of that happen to love first home buyers — and I'm paid by the lender, so my service costs you nothing.
I'm Perth based, self-employed, and backed by Finance 365's compliance and lender panel. When you call, you get me — not a call center.
My service is free to you — lenders pay my commission and I disclose it
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One point of contact from first chat to settlement day (and after)
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Scheme stacking done properly — grants, duty exemptions and low-deposit loans combined the right way
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Honest answers — including 'not yet, and here's your plan to get ready'
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