One vetted Perth specialist. 60 lenders compared. Paid by the lender, never by you.
Perth is the fastest-growing capital in 2026. A specialist routinely beats the advertised rate.
The specifics that matter for buying in Western Australia. Tap any section to read more.
Up to $450,000: Full stamp duty exemption for eligible WA first home buyers.
$450,000 – $600,000: Sliding-scale concession — partial duty owed.
Over $600,000: Full standard stamp duty applies.
WA also offers a $10,000 First Home Owner Grant for new builds. Eligibility requires Australian citizenship or PR, being 18+, being a genuine first-home buyer, and living in the home for at least 6 months. Use our free stamp duty calculator →
The First Home Guarantee lets eligible Perth FHBs buy with a 5% deposit without paying LMI. The Federal Government acts as guarantor for the other 15%.
WA price caps (2026): $800K in Perth metro / capital city, $600K in regional WA. Income caps: $125K single, $200K couple.
Places: 35,000 FHB places per financial year plus 10,000 Regional First Home Buyer Guarantee places.
A specialist can model the FHG alongside standard 10%/20% deposit options to show which path saves you more.
Median house price: ~$750K (CoreLogic).
Median unit price: ~$480K.
Market type: Perth is a private-treaty market; auctions uncommon.
Days on market (houses): 12–18 days (the tightest in Australia in 2026).
Top growth suburbs: Western suburbs (Cottesloe, Dalkeith, Nedlands) and inner east (Subiaco, Mount Lawley) lead growth; northern corridor (Joondalup, Wanneroo) and southern (Baldivis, Rockingham) deliver strong yields.
A Perth specialist has a panel of 30–60+ lenders including major banks (CBA, ANZ, NAB, Westpac), second-tier (Macquarie, ING, Bankwest, Suncorp), and non-bank specialists.
Walk into a big-4 branch and you get one lender’s products at standard pricing. A specialist creates competition between lenders — that competition alone routinely yields 0.3–0.5% lower rates.
On a $600K Perth loan, 0.4% lower saves $2,400 per year — $72,000 over 30 years. Free, because the lender pays the specialist.
We match you with a vetted Perth-based home loan specialist. Free to you, no obligation, no lock-in.
Get Matched With A Perth Specialist →A Perth borrower on $95K single / $170K couple income with standard expenses typically borrows $540K–$900K. Perth’s lower cost of living gives strong borrowing capacity per dollar of income. Try the borrowing capacity calculator →
Yes — free to you. Perth specialists are paid a commission by the lender on settlement (typically 0.5–0.7% upfront + small trail). You pay the same rate whether direct or via specialist, but get the whole-of-market comparison done for free.
Yes. Perth specialists service every metro suburb and beyond — Cottesloe, Subiaco, Joondalup, Wanneroo, Baldivis, Rockingham, Mandurah, and regional WA. Most work remotely via Zoom plus document e-signing, so location doesn’t affect service.