First Home Buyer Loan

Unlock your property’s potential with trusted home and investment loan solutions tailored for Perth buyers, investors, and refinancers. Secure competitive rates, strategic advice, and a seamless experience with local mortgage professionals dedicated to your long-term success.

Your Trusted Partner in Every Step of the Home Buying Journey

Buying a home should feel exciting — not overwhelming. Whether you’re a first‑time buyer, upgrading your family home, or building an investment portfolio, we make the loan process clear, fast, and stress‑free.

Our team compares hundreds of loan products from Australia’s leading lenders to find the right fit for your goals, your budget, and your long‑term plans.

At Mortgage Companion, we simplify the process by offering clear guidance, personalised solutions, and ongoing support. Whether you’re buying your first home, upgrading, refinancing, or investing, we’re here to help you make confident, informed decisions.

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Our Home Loan Process

Check your finances

Start by understanding what you earn, what you spend, and what you can comfortably repay. Review your savings, ongoing expenses, and any debts. This gives you a realistic picture before you speak to anyone.

Save for a deposit

Most lenders prefer a deposit of 20 percent of the purchase price, though smaller deposits are possible with government support. You will also need funds for costs such as inspections, conveyancing, and settlement.

Speak to a mortgage broker

A mortgage broker assesses your situation and explains what you can borrow. They compare lenders, loan types, and government grants, then arrange a pre-approval so you can buy with confidence.

Understand first home buyer grants and concessions

Check your eligibility for the First Home Owner Grant, stamp duty concessions, and any state or federal schemes. These can significantly reduce upfront costs if you qualify.

Get loan pre-approval

Pre-approval confirms how much a lender is willing to lend you, subject to conditions. It helps narrow your property search and shows sellers you are a serious buyer.

Start looking for the right property

Research suburbs, attend home opens, and compare recent sale prices. Consider long-term factors such as transport, schools, and future resale value, not just the property itself.

Make an offer or bid at auction

Once you find a suitable home, your broker and conveyancer can guide you on conditions, cooling-off periods, and contract terms before you commit.

Arrange building and pest inspections

These inspections help identify hidden issues before finalising the purchase. It is a small cost that can prevent expensive surprises later.

Finalise your loan and sign contracts

Your lender completes the formal loan approval, and your conveyancer handles the legal paperwork. This stage locks in the purchase.

Settlement and move in

On settlement day, ownership transfers to you. Once the keys are released, you can move into your first home.

Our Other Services

Beyond standard home loans, we help clients at every stage of property ownership.

First Home Buyer Loans

No two borrowers are the same. We take the time to understand your situation and tailor a lending strategy that works for you.

Refinancing

We compare banks, credit unions, and specialist lenders to secure competitive rates and flexible features.

Investment Loans

We help investors structure loans to suit their goals, whether that is cash flow, long term growth, or portfolio expansion. We consider tax efficiency, lending limits, and future borrowing capacity.

Construction & Renovation Loans

Building or renovating requires the right loan structure from the start. We manage progress payments, lender requirements, and timelines so your finance keeps pace with the build.

Loan Health Check

If you already have a home loan, we review your rate, features, and structure to see if it is still competitive. Many borrowers stay on loans that no longer suit them. We help fix that.

Why Australians Choose Mortgage Companion

Tailored Advice

We don’t believe in one‑size‑fits‑all lending. Your goals, lifestyle, and financial situation shape our recommendations.

Access to multiple lenders

We compare loans from major banks and specialist lenders to find options that suit your situation, not just one brand.

Local & national knowledge

We understand the Australian lending landscape and how policies vary between lenders.

Support from start to finish

You deal with a real broker who stays involved until the loan settles and beyond.

Proven Client Satisfaction

100% recommendation rate from reviews, with clients highlighting our dedication and outstanding results.

Long-term guidance

We check in over time to make sure your loan still suits your needs as rates and circumstances change.

Now It's Your Turn

Most Trusted Mortgage Broker in Perth

With a track record of satisfied clients and trusted advice, we’re committed to helping you achieve your financial goals with confidence.

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Frequently Asked Questions

Our team is here to help. If you can’t find the answer you’re looking for, reach out and we’ll get back to you as soon as possible.

How much deposit do I need for a home loan?

Most lenders prefer a 20% deposit, but you can still buy with as little as 5% depending on your situation. Some government schemes also allow eligible buyers to purchase with a smaller deposit.

How long does home loan approval take?

Pre‑approval usually takes 1–3 business days, depending on the lender and how quickly documents are provided. Final approval can take 5–10 days after you’ve found a property.

What documents do I need to apply?

Typically:

Payslips or income statements
Bank statements
ID (driver’s licence or passport)
Details of existing loans or debts

We’ll give you a simple checklist so nothing gets missed.

Should I choose a fixed or variable interest rate?

It depends on your goals.

Fixed rates offer stability and predictable repayments.
Variable rates offer flexibility and potential savings if rates drop. We help you compare both options based on your financial plan.

Can I get a home loan if I’m self‑employed?

Yes — absolutely. Self‑employed borrowers may need extra documentation (like tax returns or BAS statements), but there are plenty of lenders who specialise in these situations.