Dave Phelan
Director, Mortgage Broker
20+ yrs · $700M+ settled · Australia's Top 100 Brokers ×3 · MFAA
Co-founder. First home buyers, upgrades, investment and development finance.
Mortgage Broker · Osborne Park, Perth
The mortgage broker Perth locals trust, by name.
Central Lending Solutions is a Perth mortgage broker in Osborne Park with over $1.2B settled since 2015 and 280-plus five-star reviews. We compare more than 30 lenders, we are paid by the lender so most clients pay no fee, and you will deal with the same named broker from first chat to settlement.
- $1.2B+ settled
- 280+ 5.0★
- since 2015
- Osborne Park
ACL 497 950
MFAA Member
$1.2B+ settled since 2015
More lenders, more choice
Your current bank is not your only option.
We compare more than 30 lenders, from the major banks to non-bank specialists, including Keystart for Western Australians.
What we do
One Perth broker for every stage of the journey.
Whether you are buying your first home, refinancing to a sharper rate, building, or growing a property portfolio, we match you to the right lender and manage it end to end.
Home Loans
Home loan broker
Buying in Perth? We compare 30-plus lenders, sort your pre-approval, and find the loan that fits your life, not the bank's targets.
Learn more → RefinanceRefinance your loan
We run a free rate health check, then tell you honestly whether switching is worth it once costs are in. We watch your rate so you don't have to.
Learn more → First Home BuyerFirst home buyer help
FHOG, WA stamp duty concessions, the First Home Guarantee and Keystart, explained in plain English and lined up for you.
Learn more → InvestmentInvestment property loans
Release equity, structure a portfolio, and finance your next Perth investment in suburbs like Subiaco and Mt Lawley.
Learn more → ConstructionConstruction loans
Progress-payment draws, builder finance and knockdown-rebuilds, handled by a dedicated construction finance specialist.
Learn more → CommercialCommercial lending
Commercial property, business finance and asset or equipment lending for Perth business owners.
Learn more →How we work with you
Four simple steps, one named broker.
Step 01
Discovery
A free chat about your goals, your numbers and what you can comfortably afford. No jargon, no pressure.
Step 02
Compare
We compare more than 30 lenders and bring you a short list with the loan that genuinely fits, and why.
Step 03
Approval
We prepare and lodge your application, chase the lender, and keep you posted at every step to approval.
Step 04
Settlement
We manage settlement to the finish line and stay on as your broker, reviewing your rate over time.
Straight answer
How does a Perth mortgage broker get paid?
The lender pays the broker a commission when your loan settles, so most clients pay Central Lending Solutions no fee. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest, not the lender's.
Real people, not a logo
You'll know your broker by name.
No call centre, no shuffling between strangers. You deal with the same accredited Perth broker from your first chat to settlement.
Harj Dhillon
Director, Mortgage Broker
10+ yrs · $500M+ settled · MFAA member
Home loans, investment lending and refinancing for hundreds of Perth families.
Aoife Farrell
Mortgage Broker
15+ yrs · Bankwest Best Newcomer 2020/2021
First home buyers and owner-occupiers. Active in the Perth Irish community.
Free tools
See what you could borrow in Perth.
Run the numbers in seconds, no email required. Then book a free chat to turn an estimate into a real rate.
Keystart
Keystart eligibility
Check if you qualify for a low-deposit Keystart home loan, the Western Australian government lender, with no LMI.
Check eligibility → Borrowing powerBorrowing power calculator
Get an indicative maximum loan amount based on your income, expenses and existing commitments.
Estimate now → RepaymentsRepayment calculator
See your indicative weekly, fortnightly or monthly repayments and total interest over the life of the loan.
Calculate →Local, not regional
A mortgage broker who knows your suburb.
From the office in Osborne Park to the coast at Cottesloe, we know the Perth market street by street.
Osborne ParkMedian $750KOur home suburb
Mt LawleyMedian $1.4MRefi & heritage homes
SubiacoMedian $1.65MInvestor hotspot
JoondalupMedian $720KFirst home buyers
ScarboroughMedian $1.1MCoastal living
CottesloeMedian $3.2MPrestige homes
FremantleMedian $1.05MInvestor & FHB
StirlingMedian $850KFamily & FHB
280+ five-star reviews
What Perth borrowers say.
Verified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.
[TBC] Real review pending importVerified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.
[TBC] Real review pending importVerified Google review to be added here from the 280+ five-star reviews on the Central Lending Solutions profile.
[TBC] Real review pending importCommon questions
Perth mortgage broker FAQs.
Do I pay a fee to use a Perth mortgage broker?
Most clients pay Central Lending Solutions no fee. The lender pays the broker a commission when your loan settles, so our service is free to most borrowers. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest.
How many lenders do you compare?
We compare more than 30 lenders, from the major banks like CBA, ANZ and Westpac through to non-bank lenders and Keystart, the Western Australian government lender. Your current bank is one option among many, and we match you to the loan that fits your situation.
Where is your office?
Our office is in the at 22 Hasler Road, Osborne Park WA 6017. We have served Perth borrowers from Osborne Park since 2015 and meet clients right across the metro area, from Joondalup to Fremantle.
Can you help first home buyers in Perth?
Yes. We help Perth first home buyers access the First Home Owner Grant, WA stamp duty concessions, the First Home Guarantee and Keystart low-deposit loans. Brokers Aoife Farrell and Keeley Rodgers specialise in guiding first home buyers from pre-approval to settlement.
What does a mortgage broker actually do?
A mortgage broker compares loans across many lenders, recommends the one that suits your situation, and manages the application through to settlement. At Central Lending Solutions you deal with the same named broker the whole way, not a call centre.
Here to help
When you're ready, we're here to help.
Book a free, no-obligation chat with a named Perth broker. Most clients pay no fee.
- $1.2B+ settled
- 280+ 5.0★
- ACL 497 950