Mortgage Broker · Scarborough, Perth

Mortgage Broker in Scarborough, Perth

Central Lending Solutions is a mortgage broker for Scarborough, the coastal suburb about 13 km north-west of the Perth CBD where the median house price sits near $1.1 million. We help first home buyers and investors with houses and apartments near the beach across more than 30 lenders.

Book a free chat Call (08) 9201 8570

median $1.1M
280+ 5.0★
since 2015
coastal living

5.0 · 280+ Google reviews

ACL 497 950 MFAA Member $1.2B+ settled since 2015

Local knowledge

What is the Scarborough property market like?

Scarborough is one of Perth's best-known beach suburbs, about 13 km north-west of the city, with the redeveloped foreshore, the Scarborough Beach Pool and a busy strip of cafes and bars along the esplanade. Houses on the hill sit well above the apartments and units closer to the sand.

That split between houses and apartments shapes the lending. The median house price near $1.1 million reflects family homes with ocean glimpses, while beachfront and near-beach apartments offer a lower entry point that suits first home buyers and investors chasing a coastal lifestyle.

Lender appetite for coastal apartments varies by building, floor size and postcode, so matching you to the right lender for the exact property is the difference between a clean settlement and a stalled one.

What we do here

How does a mortgage broker in Scarborough help?

A mortgage broker in Scarborough compares loans across many lenders, checks which suit the exact property, and manages the application to settlement. Near the beach that means knowing which lenders are comfortable with coastal apartments and which grants help first home buyers into a unit.

First home buyers near the beach

Apartments and units below the house median put coastal living within reach. We line up Keystart, the First Home Owner Grant and WA stamp duty concessions, then compare more than 30 lenders to find the sharpest fit for a Scarborough unit.

Investing in coastal stock

Investors like Scarborough for holiday and long-term rental demand near the foreshore. We help structure the loan for cash flow and tax and match you to a lender comfortable with the building so the deal clears valuation.

The numbers

Scarborough at a glance.

Scarborough lending snapshot (indicative, [TBC] confirm current figures)
Detail	Scarborough
Median house price	~$1.1M [TBC confirm REIWA]
Postcode	6019
Distance from Perth CBD	About 13 km north-west
Who buys here	First home buyers, investors, coastal families
Suits	Keystart, owner-occupier, investment and apartment loans

Straight answer

Do I pay a fee for a Scarborough broker?

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

Scarborough mortgage broker FAQs.

What is the median house price in Scarborough?

The median house price in Scarborough sits around $1.1 million, lifted by its beachfront position about 13 km north-west of the CBD and the redeveloped Scarborough foreshore. Apartments sit well below the house median. Confirm a current REIWA figure before relying on it. We can model your actual price in a free chat.

Can you finance a Scarborough beachfront apartment?

Yes, though lenders apply different policies to apartments near the Scarborough foreshore, especially smaller units, holiday-let stock and high-density towers. Some lenders cap exposure by postcode or floor area. We know which lenders are comfortable with Scarborough's coastal apartment market and match you to one that will settle.

Is Scarborough good for first home buyers?

Scarborough suits first home buyers who want coastal living, particularly through apartments and units priced below the house median. We line up Keystart low-deposit options, the First Home Owner Grant and WA stamp duty concessions, then compare them against more than 30 lenders to find the sharpest fit.

Do I pay a fee for a mortgage broker in Scarborough?

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 Scarborough borrowers. We are bound by the Best Interests Duty, in force since 1 January 2021, which legally requires us to act in your interest.

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