Perth-based • Serving Western Australia and beyond
Home loans in Perth and Western Australia
Buying, building or reviewing a loan in WA? Start with a clear picture of your budget, your income and the property you have in mind.
I’m Liran Morris, Mortgage Matrix Broker and founder of Home Lender Hub. I’m based in Perth and help clients across Western Australia and Australia-wide understand their home loan options.
Ask Liran about your plansSee what to prepareYou do not need to have a property picked out. A useful first conversation can start with what you want to do, what you have saved and what feels comfortable each month.
Before you make an offer
Plan the whole purchase, not just the deposit
Whether you are looking at a Perth apartment, an established suburban home or a block further out, start with the cash you need to complete the purchase and the repayments you can live with.
Keep room for life
List your deposit, existing debts and regular spending. Allow for buying costs, moving, insurance and a buffer after settlement. A borrowing estimate is a starting point, not a spending target.
Check the details early
Share the address and property type before committing. For strata property, ask your conveyancer about levies, records and planned works. For land, check title timing, services and any building requirements with the relevant professionals.
Leave time for finance
Discuss your proposed finance and settlement dates with your broker and settlement agent before signing. Get legal guidance on the wording and effect of any conditions. Pre-approval should not be treated as unconditional approval for a particular property. In WA, there is no mandatory cooling-off period when buying property. Read Consumer Protection WA’s private-sale guidance and get advice on your contract before signing.
First home buyers
Established home or land and build?
The right comparison includes timing, total cost and how you will manage repayments along the way.
Read the first home buyer guideBuying an established home
Plan for the property price, inspections, settlement costs and any work needed after you move in. Check the likely insurance cost and ongoing expenses before deciding what is affordable.
Ask about first home buyer assistance separately. Buying your first home does not automatically mean every grant or concession applies.
Buying land and building
Put land, the building contract, site costs, variations and a contingency into one budget. Consider rent or existing mortgage payments during the build.
Ask how land settlement, construction approval and progress payments would fit together before signing contracts.
Explore construction loan planningCheck assistance against your actual plans
WA’s First Home Owner Grant is for eligible new homes and certain qualifying substantially renovated homes. First home owner duty relief is a separate measure that may also apply to an eligible established home. Eligibility can depend on your circumstances, the property, contract date and current rules. Check the latest requirements before relying on a grant, duty concession or low-deposit scheme in your budget.
Explore the grants and schemes guideCheck RevenueWA’s official First Home Owner Grant guidance and first home owner duty rate fact sheet.
FIFO • Shift work • Self-employed
Make your income easier to understand
A strong payslip is only part of the picture. Bring the story behind your income so we can identify what needs checking.
If you work FIFO, receive overtime or allowances, work casually or run a business, tell me how your income changes through the year. We can discuss what evidence may be needed and check the relevant lender requirements for your situation.
- Bring recent payslips and a breakdown of base pay, overtime, bonuses and allowances.
- Explain your roster, employment type and any recent change of employer or role.
- If you are self-employed, have your latest available tax and business financial documents ready to discuss.
- Build your own budget around income you can reasonably rely on, including quieter periods.
There is no single income rule that fits every lender or borrower.
Read the FIFO home loans guideYour next move
Review the loan alongside the bigger plan
Refinancing a WA home
Start with what you want to improve: repayments, loan features, debt structure or flexibility. Bring your current balance, rate, remaining term and fees.
Compare switching costs and repayments over a consistent remaining term. A lower monthly payment from extending the loan can still mean more interest over time. Any savings depend on the costs and terms that apply to you.
Explore the refinancing guideBuying an investment property
Look beyond the expected rent. Allow for vacancy, management, insurance, rates, strata costs where relevant and maintenance.
Discuss the proposed property and your existing loans early. Get advice from a qualified tax adviser before choosing an ownership or loan structure for tax reasons.
Start with a borrowing estimateA closer look at Perth
Buying in Perth: check the specific property
Start with the address.
Then check the details that shape your day.
A suburb name is a starting point. These examples show how to turn local information into useful questions before you commit.
Thornlie
Your connection to rail
If public transport matters to your routine, check the actual walk or bus connection from the property to Thornlie Station and the Thornlie–Cockburn Line.
Explore the Thornlie–Cockburn LineCanning Vale
One suburb, two councils
Canning Vale spans the Cities of Canning and Gosnells. Check the council for the exact address before researching planning rules or renovations.
Read City of Canning’s suburb informationArmadale
Check what the site allows
Check the zoning and any applicable local development plan before assuming a property has extension or redevelopment potential.
Check Armadale maps and zoningBull Creek
Think door to destination
Bull Creek Station is on the Mandurah Line. Compare the entire property-to-destination journey, including getting to the station at your usual travel times.
Check Bull Creek Station facilitiesPiara Waters
Plan the home around the lot
Considering a new lot or build? Check the current local development plan for the exact Piara Waters address. Ask your builder how any lot-specific requirements affect the design and site costs before committing.
Check Armadale’s current local development plans ↗Alkimos
Check the stage, not just the suburb
Buying in a new development? Check which City of Wanneroo structure plan and local development plan applies to the Alkimos lot. Before matching land and building contracts, confirm title timing, services and site costs with the relevant professionals.
Check Wanneroo’s approved planning documents ↗Read WA’s vacant land buying checklist ↗Melville + Palmyra
Look at everyday life around the address
Parks and transport are worth checking on the ground, alongside the property itself.
Two parks to explore
Kadidjiny Park in Melville and Three Bears Park in Palmyra both have playground and barbecue facilities. Check each park’s location and facilities against what matters to your household.
Check the whole bus journey
Transperth route 915 via Marmion Street and route 910 via Canning Highway connect to Fremantle Station. Check the actual address, nearest stop and current journey options.
Check Transperth services ↗These are examples of checks to make for an individual address. They do not confirm a property’s planning potential, transport convenience or loan suitability. Check current information and seek relevant professional advice.
Beyond metropolitan Perth
Regional WA: different postcodes, different lenders, different criteria
Some lenders are comfortable lending on regional properties, while others take a more conservative approach depending on the location and property type. This can affect the deposit required and the options available.
The lender’s valuation is another consideration. If it comes in below the purchase price, it may affect how much you can borrow and the funds you need to contribute.
Talk to me early so I can help you explore lenders suited to your circumstances and the property you’re considering.
- Location and property: ask whether the proposed lender has any restrictions for the postcode, acreage, title or property type.
- Valuation and timing: discuss how the valuation will be arranged and allow time for any additional information requested.
- Insurance and ongoing costs: get an insurance quote and check relevant flood, bushfire or cyclone information for the specific address.
- Use and condition: explain whether the property is residential, rural, mixed use or intended for short-term accommodation. Ask your conveyancer and inspector about matters outside the loan assessment.
For land, check permitted use, services, easements and the building envelope. See WA’s vacant land checklist and DFES bushfire-prone area information. These are questions to investigate, not a guarantee that a property will be acceptable to a lender.
Five years of market context
WA housing: a wider view before your next move
ABS estimates show a broad upward trend in WA’s mean residential dwelling price over the five years to June 2026, with uneven movements between quarters. The statewide mean rose from $583,600 to $1,123,700, an increase of about 92.5%.
This does not mean every home increased by that amount. Perth suburbs and regional WA markets can move differently. Property type, location and condition still matter when you assess a particular purchase.
All Western Australia. All residential dwelling types. Nominal AUD. Estimated dwelling-stock mean.
Dashed line: March and June 2026 are preliminary.
What this measure tells you
The ABS mean divides the estimated value of WA’s residential dwelling stock by the estimated number of dwellings. It covers the whole state. It is not a Perth median sale price, a constant-quality price index or a valuation of your home. Nominal figures are not adjusted for inflation.
What it means for your loan plans
Use market history as context, not a forecast or a reason to rush. Focus on your deposit, total buying costs, a suitable loan and repayments you can manage. Past performance does not predict future prices.
A little more context
WA’s population grew 2.1% in the year to March 2026, the fastest rate among the states and territories (ABS population data). WA dwelling completions fell from 22,516 in 2024-25 to 19,569 in 2025-26 (ABS building activity). Perth CPI rents rose 5.3% in the year to August 2026, measuring rents paid across new and existing tenancies rather than advertised asking rents (ABS CPI data).
These figures cover different areas and periods. They provide context, but do not by themselves establish why prices changed or predict what comes next.
View all 21 quarterly values and source notes
| Quarter | Mean price | Status |
|---|---|---|
| Jun 2021 | $583,600 | Published estimate |
| Sep 2021 | $596,100 | Published estimate |
| Dec 2021 | $619,300 | Published estimate |
| Mar 2022 | $628,400 | Published estimate |
| Jun 2022 | $643,700 | Published estimate |
| Sep 2022 | $628,400 | Published estimate |
| Dec 2022 | $645,300 | Published estimate |
| Mar 2023 | $653,600 | Published estimate |
| Jun 2023 | $666,100 | Published estimate |
| Sep 2023 | $694,600 | Published estimate |
| Dec 2023 | $733,500 | Published estimate |
| Mar 2024 | $769,000 | Published estimate |
| Jun 2024 | $828,100 | Published estimate |
| Sep 2024 | $839,300 | Published estimate |
| Dec 2024 | $868,400 | Published estimate |
| Mar 2025 | $879,900 | Published estimate |
| Jun 2025 | $914,500 | Published estimate |
| Sep 2025 | $944,500 | Published estimate |
| Dec 2025 | $1,031,100 | Published estimate |
| Mar 2026 | $1,099,200 | Preliminary |
| Jun 2026 | $1,123,700 | Preliminary |
Series A83728627W, Table 1. Figures can be revised. Data release: 8 September 2026. Series checked for this page on 19 October 2026.
Download the ABS source spreadsheet · Read the ABS methodology
Based on Australian Bureau of Statistics data, Total Value of Dwellings, June quarter 2026, Table 1 (released 8 September 2026). Original chart by Home Lender Hub. CC BY 4.0. Latest two quarters preliminary.
Useful WA resources
Go to the source before you decide
Use these resources to understand the buying process and compare market information. Check the date, area and measure behind any figure before applying it to your plans.
Consumer Protection WA
Start with the steps involved in buying a property, the questions to ask and where professional advice can help before a commitment.
Plan your property purchaseWA Treasury housing market
Explore the state government’s housing market information for broader context. Read the publication dates and source notes alongside the figures.
Explore WA housing market informationREIWA Perth market
Explore Perth metropolitan sales and rental market information from WA’s real estate industry body. A market-wide figure does not value a particular home.
View REIWA’s Perth market pageExternal resources are provided for general information. REIWA is an industry body. It is separate from the WA Government resources above.
A useful first conversation
Bring what you know. We can work through the gaps.
Your plans
Buying, building, refinancing or investing? Share your likely timing, suburb or region and what you want the loan to do.
Your numbers
Have a rough picture of savings, income, current loans, credit card limits and regular expenses. You do not need a perfect spreadsheet.
Your questions
Ask about the cash needed, repayments, documents, property checks and the next decision to make before an application.
Questions from Perth and WA borrowers
Can I speak with Liran before I find a property?
Yes. We can start with your goals, savings, income and a comfortable repayment range. That can help you decide what to investigate before making an offer.
Do I need to meet in Perth?
Ask about an appointment format that suits you. I’m Perth-based and help clients across WA and Australia-wide, including people planning a purchase from elsewhere.
Will FIFO allowances or overtime count?
That needs checking against your employment, income evidence and the relevant lender’s current requirements. Share the breakdown of your pay rather than assuming every part will be treated the same way.
Can a calculator tell me what I will be approved for?
No. Calculators provide estimates using the information entered. An approval depends on a lender’s assessment of your circumstances, supporting documents and the proposed property.
Where should I check WA grants and duty concessions?
Start with Home Lender Hub’s grants and schemes guide for an overview. For the current WA rules, read RevenueWA’s First Home Owner Grant guidance and first home owner duty rate fact sheet. Verify your eligibility and the rules for your contract date before relying on assistance.
Ask Liran
Let’s make your next step clearer
Tell me what you are hoping to do in Perth or regional WA. We can talk through the questions to resolve and the information needed to explore your home loan options.
Choose an appointment timeCalendar opens through Mortgage Matrix.Ask Liran to call mePrefer to call? 0410 446 041 · Email Liran
General information only. This page does not take into account your personal objectives, financial situation or needs. Lending criteria, fees, terms and conditions apply. Government assistance and lender requirements can change. Confirm the current rules and obtain advice appropriate to your circumstances before making a commitment.
Liran Morris, Mortgage Matrix Broker and founder of Home Lender Hub. Credit Representative 548043 is authorised under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd.