HOME LOANS
Your Path to Property Ownership Starts Here
Whether buying your first home, refinancing, or investing—get expert guidance, great rates, and personalised service from Perth-based specialists.
Buying a home is one of the most significant decisions you'll make—and you deserve to feel confident every step of the way. We take the stress out of securing a home loan by helping you find the right option.
Whether you're a first-time buyer, upgrading, refinancing, or building your dream home, our expert brokers are here to simplify the process and get you a better deal. We're proudly based in Perth and work with clients across Australia.
What We Can Help With
➤ First home buyer loans
➤ Refinancing existing mortgages
➤ Investment property loans
➤ Construction & renovation finance
➤ Low-deposit and guarantor loans
➤ Bridging finance
➤ Fixed, variable & split-rate options
Factors to Consider When Choosing a Home Loan
Home loans come with many moving parts. Knowing what to consider can help you avoid costly mistakes and secure a loan that fits your needs.
Loan Type: Fixed, Variable, or Split
Fixed-rate
loans lock in your rate for a set period (usually 1–5 years), offering stability and predictable payments.
Variable-rate
loans fluctuate with the market—your repayments may go up or down. Still, you may benefit from more features and flexibility.
Split loans
combine both, letting you balance certainty and flexibility.
We'll help you weigh the pros and cons of each based on your goals and risk tolerance.
✔ Deposit Amount and LVR (Loan-to-Value Ratio)
Your deposit size directly impacts your borrowing power. If your deposit is under 20%, you may need to pay Lenders' Mortgage Insurance (LMI). Some lenders offer low-deposit options or allow guarantor support, which is especially helpful for first-time buyers.
✔ Loan Features and Flexibility
Want to make extra repayments, use an offset account, or redraw funds? These features can save you thousands over the life of your loan. We'll ensure your home loan gives you the flexibility you need as your lifestyle changes.
✔ Upfront and Ongoing Costs
Home loans can have fees: application fees, settlement fees, valuation charges, and ongoing account-keeping costs. We help you understand the full picture so there are no surprises later.
✔ Interest Rates and Comparison Rates
Always check the comparison rate, which includes the loan's actual cost after fees. A lower advertised rate doesn't always mean a cheaper loan. We compare options across multiple lenders to find you the most cost-effective solution.
✔ Loan Term
Most home loans last 25 to 30 years. A longer term lowers monthly repayments but increases total interest paid. We'll help you select a loan term that aligns with your financial well-being and long-term objectives.
✔ Refinancing Options
Do you already have a mortgage? Refinancing could help you save on interest, access equity, or consolidate debts. We assess your current loan against the better options available now and handle the switch for you.
Why Choose Wonderful Finance for Your Home Loan?
➤ Access to lenders; including major banks and niche lenders
➤ Support for first-time buyers, families, investors, and upsizers
➤ Low-deposit and government scheme guidance (First Home Guarantee, etc.)
➤ Fast pre-approvals and Ongoing Support through settlement
➤ Perth-based team with nationwide service and local property knowledge
Who We Help
➤ First-time home buyers
➤ Homeowners looking to refinance
➤ Investors building property portfolios
➤ Renovators and owner-builders
➤ Self-employed and non-standard applicants
Let's Turn Your Property Goals Into Reality
With the right broker by your side, buying a home becomes a smooth, stress-free experience. Let's find you a more innovative way to borrow.