Mortgage Broker Fremantle

Nothing — our service is free to you. Once your loan settles, we receive a commission from the lender. That means you get expert advice, full application management, and ongoing support at zero out-of-pocket cost. There are no hidden fees and no charges at any stage of the process.

Yes — though given Fremantle's price point, it requires a bit of planning upfront. Most established properties in the area sit above the WA First Home Owner Grant and stamp duty concession thresholds, so the government support available depends on whether you're buying established or building new. We walk through exactly what applies to your purchase in the first session — including the First Home Guarantee (5% deposit, no LMI), the new Help to Buy shared equity scheme launching in 2026, the $10,000 FHOG for new builds up to $800,000, and any stamp duty savings you qualify for.

With Fremantle's median house price is $1.4 million, most buyers need a combined household income in the range of $200,000 to $250,000 or more to comfortably service a loan at that level — though the exact figure depends on your deposit, existing debts, living expenses, and which lender's criteria you're assessed against. We provide a free borrowing capacity assessment in the first consultation so you know where you stand before you start making offers.

Absolutely. Fremantle has seen strong capital growth over the past 12 months and median weekly rents for houses are sitting around $920 — which makes it an attractive market for investors. Investment lending works differently from owner-occupied lending in terms of how lenders assess serviceability, how the loan should be structured for tax purposes, and what rates are available. We build a lending strategy around your actual investment goals — not just the loan in front of you.

Yes, and this is something we do a lot of. Fremantle has a large self-employed community — from tradespeople and hospitality operators to professionals and business owners — and standard lender assessment often doesn't reflect their true financial position. Depending on your situation, we work with full-doc loans (two years of business tax returns), low-doc products (accountant's declaration or BAS statements), or specialist lenders who take a more flexible approach to non-traditional income structures. If a bank has knocked you back, talk to us before you assume the answer is no.

For a straightforward purchase, unconditional approval typically takes two to four weeks from lodging your application. Settlement timelines are then set by your contract of sale — usually 30 to 60 days from signing. We always encourage clients to get pre-approval sorted before they start seriously looking. In a market where Fremantle properties are selling in under two weeks on average, having your finance ready to go is the difference between making an offer and missing out.

Yes. Our office is at 5/210 Queen Victoria Street, North Fremantle, and we're happy to meet in person. We also offer online video consultations and can work around your schedule if standard business hours don't suit. Either way, you'll deal directly with Hayden and the team — not a call centre.

In addition to Fremantle (6160), we work with buyers and investors across East Fremantle, North Fremantle, South Fremantle, Cottesloe, Melville, White Gum Valley, Beaconsfield, O'Connor, Palmyra, Bicton, and the broader Perth metropolitan area. Each suburb has its own price point and buyer profile — local knowledge makes a difference when we're structuring your loan.

A fixed rate locks your repayments for a set period — usually one to five years — so you know exactly what you're paying regardless of what the market does. A variable rate moves with the lender's standard rate, which can go up or down. The trade-off is flexibility: variable loans generally allow extra repayments, redraw, and offset accounts more freely than fixed products. Many borrowers use a split loan — fixing a portion for certainty and keeping the rest variable for flexibility. We walk through what makes sense for your situation based on your goals and where rates are sitting at the time.