Buying your first home in Perth is a big step, and you do not have to work it out alone. As your first home buyer mortgage broker Perth wide, The Finance Yogi compares 40 plus lenders, lines up your grants, and guides you from pre-approval to settlement.
First home buyers in Perth face a lot at once. Grants, deposits, lenders, and paperwork can feel overwhelming.
We bring it all together in one clear plan, so you know what you qualify for and exactly what to do next.
A first home buyer mortgage broker is a licensed expert who compares home loans from many lenders on your behalf, instead of just one bank.
We find a loan that suits your budget, handle the application, and help you claim the grants you are entitled to. A broker is legally required to act in your best interests, and in most cases the lender pays us, so our help is usually free to you.
As a first home buyer, the right guidance changes everything. Here is what you get when you work with our local Perth team.
Every first home journey is different. We regularly help:
Speak with your local Perth first home buyer broker today.
There is real help available for Perth first buyers. We check which of these you qualify for and build them into your plan.
A one-off payment of 10,000 dollars for eligible buyers of a brand-new home in WA, up to the current value cap. It is not means tested. We confirm your eligibility and lodge it with your loan.
Eligible first buyers pay no transfer duty on a home up to 500,000 dollars, with a reduced rate up to 700,000 dollars in metro Perth. This can save you thousands at settlement.
A WA Government lender that lets eligible buyers start with as little as a 2 percent deposit and no lenders mortgage insurance. We help you decide if it suits you.
A federal scheme that lets eligible first buyers purchase with a 5 percent deposit and no lenders mortgage insurance, subject to places and caps.
Grant amounts, caps, and eligibility are set by government and can change. We confirm the current figures for your situation.
Here is a simple, illustrative example of how the numbers can work for a first home buyer. These figures are hypothetical and for general illustration only. Your real position depends on your income, the lender, and current rates.
Example only. Not a quote, offer, or guarantee of eligibility. Speak with us for figures based on your situation.
New to all this? Our process is simple and clear. Here is how we take you from your first question to the keys in your hand.
We start with a relaxed, no-pressure chat about your goals, your deposit, and your budget. No jargon, just clear answers.
We confirm the grants you qualify for, compare 40 plus lenders, and arrange your pre-approval so you can shop with confidence.
When you find the right home, we help you make a confident offer and move quickly, with your finance ready to go.
We manage the valuation, approval, and settlement, then stay in touch to review your loan as your life changes.
Get a feel for your budget with our free calculators, then we confirm the real figures together.
Mohit Brahmbhatt is the founder of The Finance Yogi and a Perth mortgage broker with over 13 years in finance, including 10 years inside the Big Four banks. He is a member of the Finance Brokers Association of Australia (FBAA).
After seeing too many good people sold the wrong loan, he started The Finance Yogi to give first home buyers honest, local advice and real choice across 40 plus lenders.
Buying your first home should be exciting, not overwhelming. I remember how confusing it felt for my own clients inside the big banks. Now, as a local Perth broker, I sit with every first home buyer, explain the grants and the numbers simply, and stay beside them all the way to settlement.
Book a free, no-obligation chat with a first home buyer broker Perth families trust.
Still comparing your options in Perth? These answers cover the questions we hear most from local first home buyers. If yours is not listed here, call Mohit directly and speak with a real, local expert, not a call centre or a chatbot – we are based right here in Wanneroo.
Some first buyers start with as little as 5 percent, and eligible buyers can start from 2 percent with Keystart. We confirm your exact Perth deposit and low-deposit options at pre-approval.
In most cases, yes. The lender usually pays our commission when your loan settles, so our service is typically free to you. We always tell you how we are paid before you proceed.
You may qualify for the 10,000 dollar First Home Owner Grant on a new home, a stamp duty concession, Keystart, and the federal First Home Guarantee. We check which ones apply to you.
Pre-approval often takes a few days once we have your documents. Full approval usually follows within one to two weeks, depending on the lender and the property.
Yes. We specialise in low-deposit options for first buyers, including the First Home Guarantee and Keystart, and we explain lenders mortgage insurance clearly.
Eligible first buyers pay no transfer duty up to 500,000 dollars, with a reduced rate up to 700,000 dollars in metro Perth. We calculate this for your purchase.
We help first home buyers across all of Perth, including Wanneroo, Joondalup, Hillarys, and the northern suburbs, in person or online.
Not always. Schemes like the First Home Guarantee and Keystart let eligible first buyers avoid lenders mortgage insurance with a much smaller deposit. We show you the options.
The Finance Yogi, ABN 46 640 520 869. Australian Credit Licence / Credit Representative number: [to be inserted]. Member of the Finance Brokers Association of Australia (FBAA). The information on this page is general in nature only and does not take into account your objectives, financial situation, or needs. It is not credit or financial advice. All loans, grants, and concessions are subject to lender terms, eligibility, and government rules, which can change. Figures and examples are illustrative only and are not a quote, offer, or guarantee. Please seek advice for your situation. Unit 3/947 Wanneroo Road, Wanneroo WA 6065. Phone 0430 592 745.
