Buying property in Perth right now feels like chasing a moving target. Homes are selling in about 12 days on average — less than half the national figure of 28 days (Cotality, May 2026), and the median Perth dwelling has jumped 25.8% in a single year to roughly $1.05 million, the fastest growth of any Australian capital. In a market moving this fast, the difference between a good loan and the wrong one isn’t small — it can cost you tens of thousands over the life of the mortgage.
That’s exactly where a sharp mortgage broker in Perth WA earns their keep. At TFP Tax, we’re not only a licensed Perth mortgage broker with access to 28+ lenders — we’re also qualified tax accountants. That combination means we structure your home loan with your whole financial picture in mind, not just the rate on the front page.
Why use a mortgage broker in Perth?
A mortgage broker in Perth compares home loans across many lenders on your behalf, negotiates rates, and manages the paperwork from application to settlement — usually at no direct cost to you, because the lender pays the broker. In 2026, a record 81% of all new home loans in Australia were arranged through brokers (MFAA, March 2026 quarter), because brokers give borrowers more choice and expert guidance than walking into a single bank.
Why more Australians trust a mortgage broker than ever before
Not long ago, most people just went to their own bank for a home loan. That has flipped completely.
Broker market share has climbed from 55.3% in 2018 to a record 81% in the March 2026 quarter (MFAA/Cotality). Australia is now one of only three countries in the world — alongside the UK and the Netherlands — where brokers arrange more than eight in ten mortgages. Why the shift? Because the lending environment has become genuinely complex. As one industry body put it, the question is no longer simply about price, but about which lender and product actually fits your circumstances.
Here’s how a broker compares to going direct to one bank:
| Factor | Going direct to one bank | Using a Perth mortgage broker (TFP) |
|---|---|---|
| Lender choice | 1 bank, its products only | 28+ lenders compared |
| Rate negotiation | You negotiate alone | Broker negotiates for you |
| Who it suits | Simple, standard applications | First home buyers, investors, self-employed, complex income |
| Paperwork | You manage it | Broker manages application to settlement |
| Cost to you | — | Usually nil (lender pays the broker) |
| Independent advice | Limited to that bank | Guidance across the whole panel |
The Perth mortgage market in 2026: what you’re up against
Understanding the market helps you see why expert advice matters right now.
The RBA cash rate is sitting at 4.35% after three rises earlier in 2026, and it was held steady in June 2026. Lenders set their own rates on top of that, so two banks can quote very different numbers for the same borrower. On top of rate movements, from February 2026 APRA introduced new debt-to-income (DTI) limits on lenders, which directly affects how much you can borrow and from whom. Meanwhile, WA’s population is growing by roughly 80,000 people a year, keeping demand — and prices — firm.
Translated into plain English: borrowing capacity is tighter, rates are higher, and the “right” lender for your situation is harder to spot without someone comparing the whole market. A good mortgage advisor in Perth turns that complexity into a clear, affordable plan.
Why Choose Us?
At TFP Tax, every client is more than a loan number. Here’s what you get when you work with our team:
- 28+ lenders on our panel. We compare major banks, second-tier lenders and non-bank options to match your situation — not just sell one product.
- Tax + mortgage expertise under one roof. Our brokers are also registered tax agents, which is a real advantage for investors and the self-employed whose borrowing power depends on how their income and financials are presented.
- FBAA-accredited and compliant. We operate under the Finance Brokers Association of Australia’s code of conduct, so advice is professional and accountable.
- We handle the heavy lifting. From calculating your borrowing capacity to lodging the application and liaising with the lender through to settlement.
- First-home-buyer specialists. We help you navigate WA grants, stamp duty concessions, and low-deposit schemes so you don’t leave money on the table.
- One team for the long run. Refinance later, buy an investment property, or need tax advice on it — you’re already with a firm that does all three.
Why we are the best mortgage broker in Perth
Plenty of firms can quote you a rate. What makes TFP different is the thinking behind the loan.
Most brokers stop at the mortgage. We start with your overall financial position — because as accountants and brokers, we can see how a loan interacts with your tax, your investment structure, and your long-term wealth. For a property investor weighing negative gearing, or a sole trader whose “income” isn’t a simple payslip, that dual expertise can be the difference between an approval and a knock-back.
| What to look for | A typical mortgage broker | TFP Tax (broker + accountant) |
|---|---|---|
| Lender panel | Varies | 28+ lenders |
| Understands complex/self-employed income | Sometimes | Yes — we prepare financials & tax returns |
| Investment loan structuring | Basic | Structured with tax & CGT in mind |
| First home buyer schemes & grants | Usually | Yes, WA-specific guidance |
| Ongoing tax + finance support | No | Yes, one firm year-round |
| Accreditations | Broker licence | Registered Tax Agent, ASIC Agent, FBAA, CPA/CA team |
This is why we can confidently call ourselves one of the best mortgage brokers in Perth — not because we say so, but because few brokers can match tax-grade financial insight with a 28-lender panel.
Our team
Great advice comes from real, qualified people. Meet the professionals behind TFP.
Kamal Sharma — Director / Principal. Kamal is an accredited Mortgage Broker in Perth (CRN 484496) with over 14 years of experience across accounting, finance, payroll, taxation and home loans in both government and private practice. He is a Registered Tax Agent, ASIC Agent and Licensed Mortgage Broker, and specialises in home loans for first home buyers and investment loan structuring, plus complex tax matters like Capital Gains Tax on property and shares. His philosophy is simple: “Client satisfaction and accuracy in lodgement are our highest priorities.”
Saroj Manandhar — Senior Tax Advisor. Saroj is a CPA and Chartered Accountant (CA), a registered Tax Agent and a Mortgage Broker, with over a decade of experience across tax accounting, internal audit and mortgage broking. That blend of audit-level financial rigour and broking know-how means your loan is assessed with genuine depth.
Together, they give TFP something rare in Perth: a mortgage desk backed by full accounting qualifications.
Our expertise: home loans for every situation
As a full-service mortgage advisor in Perth, we help with:
- First home buyers — deposit planning, borrowing capacity, WA grants and stamp duty concessions, and low-deposit options.
- Residential home loans — buying your next owner-occupied home with a rate and structure that fits.
- Investment loans — structured with tax efficiency, gearing and long-term strategy in mind.
- Refinancing — switching to a sharper rate, unlocking equity for renovations or a new car, or freeing up cash flow.
- Debt consolidation — rolling multiple debts into your mortgage to simplify repayments.
- Car loans — competitive secured finance for new and used vehicles.
- Self-employed & complex income — where our accounting side genuinely sets us apart.
How we find the best mortgage rates in Perth
Everyone wants the best mortgage rates in Perth — but the honest truth is there’s no single “best rate.” The sharpest rate for a salaried first home buyer is rarely the best deal for a self-employed investor with three properties.
What we do is compare our 28+ lender panel against your profile — income type, deposit, credit history, loan purpose and DTI position — then negotiate on your behalf. Because we understand how lenders assess financials (we prepare them, after all), we can often present your application in the strongest possible light. The goal isn’t just a low headline rate; it’s the lowest true cost once fees, features and approval odds are factored in.
Frequently asked questions
1. How much does a mortgage broker in Perth cost?
For most residential home loans, a mortgage broker costs you nothing directly — the lender pays the broker a commission after settlement. At TFP, we’re upfront about how we’re paid and always disclose it, in line with FBAA standards.
2. Is a mortgage broker better than going to the bank?
For most borrowers, yes. A bank can only offer its own products, while a broker compares many lenders. That’s why 81% of new home loans in Australia now go through brokers (MFAA, 2026). A broker is especially valuable if your situation is complex — investors, self-employed, or first home buyers using grants.
3. How much can I borrow for a home loan in Perth?
Your borrowing capacity depends on income, expenses, existing debts, deposit and the new APRA DTI limits introduced in February 2026. A TFP broker calculates this precisely across multiple lenders, since each bank assesses serviceability differently.
4. Can TFP help first home buyers in WA?
Yes. We specialise in first home buyers, guiding you through borrowing capacity, genuine savings requirements, WA stamp duty concessions, government grants and low-deposit schemes — including options that help you avoid Lenders Mortgage Insurance where possible.
5. Why choose a broker who is also an accountant?
Because your home loan doesn’t exist in isolation. A broker who is also a registered tax agent can structure investment loans with CGT and negative gearing in mind, and can properly present self-employed income — often improving both your borrowing power and your after-tax position.
6. Should I fix or go variable in 2026?
It depends on your circumstances and risk appetite. With the cash rate at 4.35% and economists divided on the next move, the right structure varies per borrower. We help you weigh fixed, variable and split options and stress-test repayments against future rate changes.
Ready to talk to a Perth mortgage broker who sees the whole picture?
Whether you’re buying your first home, refinancing, or building a property portfolio, TFP Tax combines a 28-lender panel with genuine accounting expertise to find a home loan that fits your life — not just today’s rate sheet.
Call TFP Tax on 0401 450 434, email kamal@tfptax.com.au, or visit us at 252 Fitzgerald Street, Perth WA 6000. Let’s make your next property move a confident one.