Home Loans · Perth

Home Loan Broker in Perth.

A home loan broker in Perth compares lenders for you, arranges your pre-approval and manages the loan to settlement. Central Lending Solutions compares more than 30 lenders from our Osborne Park office, most clients pay no fee because the lender pays us, and you deal with the same named broker from your first chat to settlement.

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$1.2B+ settled
280+ 5.0★
since 2015
Osborne Park

5.0 · 280+ Google reviews

ACL 497 950 MFAA Member 30+ lenders compared

Local expertise

A Perth broker who knows the local market.

We have arranged home loans across Perth from Osborne Park since 2015, and the directors have worked in lending since around 2005. That history shows up in the small things, like knowing which lenders move quickly on Stirling family homes, which suit first home buyers in Joondalup, and how character overlays affect valuations in Mt Lawley and Fremantle.

Perth is not one market. A coastal Scarborough purchase, a Subiaco investment and a Cottesloe upgrade each need a different lender and a different structure. We match the loan to the suburb and the situation, then manage the lender so you do not have to chase anyone.

Most of all, you get one named broker. Dave Phelan and Harj Dhillon lead the home loan team, both directors, both fully accredited MFAA members, with more than $1.2 billion settled between the firm. You will know who is handling your loan, and you can call them.

The basics

What is a home loan broker?

A home loan broker is an accredited intermediary who compares loans from many lenders, recommends the one that fits your situation, and manages the application to settlement. Instead of accepting whatever your own bank offers, you get a short list drawn from more than 30 lenders, with the reasoning laid out plainly.

Who does a home loan broker suit?

Brokers suit almost every Perth borrower, but especially anyone short on time, anyone unsure which lender to trust, and anyone whose situation is not perfectly standard. First home buyers, upgraders, self-employed borrowers and investors all benefit from having someone compare the whole market and handle the paperwork.

What does the broker handle for you?

We assess your borrowing position, compare lenders, arrange pre-approval, prepare and lodge the full application, chase the lender for updates, and coordinate settlement. You make the decisions. We do the legwork and keep you posted at every step.

Run the numbers

How much could you borrow in Perth?

Get an indicative maximum loan amount in seconds, then book a free chat to turn the estimate into a real rate.

Borrowing power

Borrowing power calculator

See an indicative maximum loan based on your income, expenses and existing commitments.

Estimate now → Repayments

Repayment calculator

Check your indicative weekly, fortnightly or monthly repayments and total interest.

Calculate → WA stamp duty

Stamp duty calculator WA

Estimate your WA transfer duty and any first home buyer concession before you buy.

Calculate →

Broker vs bank

Should you use a broker or go straight to the bank?

Your bank can only sell its own products. A broker compares the whole market. Here is the honest comparison.

Home loan broker vs going direct to one bank
What matters	CLS broker	Single bank
Lenders compared	30+ lenders, including Keystart	One lender, its own products only
Who you pay	Most clients pay no fee; lender pays the broker	No broker fee, but no comparison either
Who acts in your interest	Best Interests Duty applies (since 1 Jan 2021)	Sells its own products
Who does the legwork	Broker prepares, lodges and chases the application	You manage it yourself
Ongoing rate reviews	We review your rate over time	Rarely proactive

Straight answer

How does a Perth home loan 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.

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Common questions

Perth home loan broker FAQs.

What does a home loan broker in Perth do?

A home loan broker in Perth compares loans across many lenders, recommends the one that suits your situation, arranges your pre-approval, 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 or a single bank.

How much does a Perth home loan broker cost?

Most clients pay Central Lending Solutions no fee. The lender pays the broker a commission when your loan settles, so our home loan 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.

How long does home loan pre-approval take in Perth?

Pre-approval often takes a few business days once your documents are in, though it varies by lender and your situation. We prepare your application thoroughly first so it lands clean, which keeps timeframes tight and helps you be ready to make an offer with confidence.

Should I use a broker or go straight to my bank?

Your bank can only offer its own products. A broker compares more than 30 lenders, including Keystart, and matches you to the loan that fits, not the one a single bank wants to sell. For most Perth borrowers a broker means more choice at no cost, since the lender pays the broker.

Do you help with home loans across all of Perth?

Yes. We are based in Osborne Park and help borrowers right across the Perth metro area, from Joondalup and Stirling in the north to Fremantle in the south, and Subiaco, Mt Lawley and Cottesloe in between. We know these markets street by street.

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