Our lenders · 30+ compared
Your current bank is not your only option.
Central Lending Solutions compares more than 30 lenders for Perth borrowers, from the major banks like CBA, ANZ and Westpac to non-bank specialists 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.
- 30+ lenders
- incl. Keystart
- $1.2B+ settled
- Osborne Park
The WA advantage
Why does Keystart matter for Western Australians?
Keystart is the Western Australian government lender, built to help locals into a home with a low deposit and no lenders mortgage insurance. It is a genuine advantage that interstate brokers and the big banks rarely lead with, and it sits at the front of our panel for a reason.
If a Keystart loan is the right fit, we will tell you, and we will map your transition to a mainstream lender once your equity grows. Check your fit with our Keystart eligibility calculator →
The panel
Which lenders does a Perth mortgage broker compare?
Here is a snapshot of the lenders we work with. The full panel runs past 30, from major banks to non-bank specialists, and we match the lender to your situation, not the other way around.
| Lender | Type | Where it tends to fit |
|---|---|---|
| Keystart | WA government | Low-deposit entry for Western Australians, no LMI. Our WA moat. |
| CBA | Major bank | Broad approvals, strong digital tools, competitive owner-occupier rates. |
| ANZ | Major bank | Reliable servicing and good options for self-employed borrowers. |
| Westpac | Major bank | Wide product range across owner-occupier and investment lending. |
| St.George | Major-bank brand | Sharp investor and refinance offers within the Westpac group. |
| Bank of Melbourne | Major-bank brand | Competitive packages for upgraders and investors. |
| Macquarie | Major bank | Fast, slick approvals and strong offset products for professionals. |
| Bankwest | WA-rooted bank | Familiar to many Perth borrowers, solid first home buyer options. |
| ING | Online bank | Low-rate, low-fee loans for straightforward owner-occupiers. |
| AMP | Non-major bank | Flexible servicing and useful options for complex incomes. |
| HSBC | International bank | Strong choice for overseas income and expatriate borrowers. |
| Heritage | Customer-owned | Member-focused pricing and a personal service approach. |
| Bluestone | Non-bank specialist | Specialist and near-prime lending for less standard situations. |
| La Trobe Financial | Non-bank specialist | Self-employed, alt-doc and specialist scenarios the banks decline. |
More lenders, more choice
One broker, the whole panel.
We compare more than 30 lenders, from the major banks to non-bank specialists, including Keystart for Western Australians.
Straight answer
Does the lender we pick change what I pay?
No. The lender pays the broker a commission when your loan settles, so most clients pay Central Lending Solutions no fee whichever lender we recommend. 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.
Common questions
Questions about our lenders.
How many lenders does Central Lending Solutions compare?
We compare more than 30 lenders, from the major banks like CBA, ANZ and Westpac through to non-bank specialists 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.
Is Keystart right for me as a Western Australian?
Keystart can suit Western Australians who have a small deposit and meet the income limits, because it asks for a low deposit and charges no lenders mortgage insurance. We assess whether it fits and plan your move to a mainstream lender as your equity grows. Check our Keystart calculator.
Do you only recommend the big banks?
No. Our panel runs past 30 lenders and includes non-bank specialists like Bluestone and La Trobe Financial for self-employed and less standard situations, customer-owned banks like Heritage, and Keystart for WA locals. We recommend the lender that genuinely fits you.
Can you help if my bank already said no?
Often, yes. A decline from one lender does not mean a decline from all of them. Each lender assesses income, deposit and credit differently, so we look across the full panel, including specialist lenders, to find one whose policy matches your situation.
Here to help
Let us find the right lender for you.
Book a free, no-obligation chat with a named Perth broker. Most clients pay no fee.
- 30+ lenders
- 280+ 5.0★
- ACL 497 950