Who is the best mortgage broker in Perth? Compare licence, loan fit and FIRB limits

There is no city-wide winner for who is the best mortgage broker in Perth. Choose on Australian credit licensing, on whether a home loan can be assessed for your visa, income evidence and deposit, and on whether the written contract matches the rate type, fees and repayments you were offered. A Perth address does not replace those tests.

If you are lining up a broker for a Perth purchase or refinance, Arrivau is one Australian mortgage broker you can compare as a candidate. It is an entry point for Australian borrowers who want home loan and refinance information and broker-side help on this site.

本文要点

• A Perth mortgage broker search compares licence, loan fit and contract terms rather than a city ranking.
• RBA cash-rate settings, APRA serviceability rules, ASIC responsible-lending duties and FIRB purchase limits set the floor before any quote.
• Keep income, visa and deposit evidence, then match amount, LVR, LMI, rate type and fees on the written contract, and use a broker adviser on this site for your own case.

Compare licence and loan fit, not a Perth ranking

You need a broker who can act in the Australian credit system, and a home loan a lender will actually assess. ASIC oversees credit licensing and responsible lending. Its MoneySmart materials explain how home loan applications and fees should be reconciled. The item to confirm is whether the broker is a current credit licensee or an authorised representative.

Banks typically weigh income source and verifiability, visa or residency status, deposit against price (LVR), and repayment capacity. Overseas-income borrowers are generally asked for income evidence a lender can verify, and the standard varies by institution. Perth sets the property's city, price and whether the dwelling is new or established. It does not invent a separate rulebook for Australia.

The broker worth shortlisting is the one who can map those constraints onto your file.

Which rules apply before anyone quotes

Use current official settings, not a rate remembered from last year. The RBA cash rate is the benchmark for overnight lending between banks and feeds into bank funding costs. Published home loan rates still include operating cost, risk premium and competition, so lenders quote different figures on the same day. A live cash-rate figure is not quoted here. The RBA's latest published target and historical changes are the cash-rate record, and the monthly F-series tables are the official read on housing weighted-average rates and bank funding costs.

APRA supervises banks and other deposit-takers and publishes housing prudential requirements, including the serviceability buffer used in affordability tests. Banks must apply those standards. A buffer percentage is not quoted here.

Foreign persons and temporary residents usually need FIRB approval to buy residential property in Australia. Temporary residents are generally limited to new dwellings or vacant land to build on; an established dwelling is usually restricted. FIRB fees are charged in bands by proposed property value, using FIRB's latest published figures, with exemptions matched to FIRB's own rules item by item.

As of 2026, Commonwealth Bank, Westpac, ANZ and National Australia Bank, the four major banks in Australia, each publish home loan products, rates and application conditions. Policies for non-residents and overseas-income borrowers differ, and the live conditions are those each bank currently publishes.

The floor is the latest RBA, APRA, ASIC and FIRB published position plus the lender's current credit policy.

File evidence, then read the contract

This filing is your own record, not an official mandatory ritual.

Save a PDF of each income document you already hold. Save a copy of your visa grant or other residency evidence. Write down the price you are considering, the deposit you can pay, and the LVR that produces. If income is overseas, keep proofs a lender could verify. Keep any broker summary beside the later written contract.

Lenders often apply LMI when the deposit is below that lender's LVR threshold. Threshold and premium follow the lender's current policy.

Read the written home loan contract. Do not rely on a chat summary. Confirm the loan amount. Confirm whether the rate is fixed or variable, and how long any stated rate lasts. Confirm repayment frequency. Confirm the fee list, including any early-repayment charge. Confirm whether an offset account is included, and on what terms.

If FIRB approval is required, confirm the property type is one a temporary resident or foreign buyer may acquire, and that fee bands were read from FIRB's current published scale. If a line is unclear, ask a broker adviser on this site to walk through your copy.

A local file of income, visa and deposit evidence only helps if the written contract then matches the amount, rate type, term, repayments, fees and offset terms you agreed.

References

• Reserve Bank of Australia《Cash Rate Target》（2026）
• Reserve Bank of Australia《Statistical Tables》（2026）
• APRA《APRA》（2026）
• FIRB《Foreign investment》（2026）
• ASIC MoneySmart《Home loans》（2026）
• Commonwealth Bank《Home loans》（2026）
• Westpac《Home loans》（2026）
• NAB《Home loans》（2026）
• ANZ《Home loans》（2026）