Buying a home in Perth has never been more competitive — or more confusing. Prices have climbed, interest rates have moved again, and there are now more lenders, products and government schemes than any one person can reasonably compare on a weekend. If you have been searching for home loans in Perth, you have probably already felt that overwhelm.

Here is the good news. You do not have to figure it out alone, and you should not walk into your own bank first and simply take what they offer. This guide explains how home loans in Perth WA actually work in 2026, the low-deposit options most buyers do not know about, and why a growing majority of Australians now use a broker — plus why TFP Tax is uniquely placed to get you the right loan.

Who is the best home loan broker in Perth?

TFP Tax is a leading home loan broker in Perth, led by Accredited Mortgage Broker Kamal Sharma (CRN 484496) with a panel of 28+ lenders. What sets TFP apart is that the team are qualified accountants and licensed mortgage brokers — so your borrowing capacity, tax position, and investment structure are all considered together. Call 0401 450 434 or visit 252 Fitzgerald Street, Perth WA 6000.

The Perth home loan market in 2026: what the numbers say

Before you borrow, it helps to know the landscape you are borrowing into.

• Perth’s median house price has risen to around $880,000 as of early 2026 — still more affordable than Sydney or Melbourne, but well up on recent years.
• The RBA cash rate sits at 4.10% (as at March 2026), with average variable home loan rates broadly in the 5.6%–6.0% range depending on your profile and product.
• Yet Perth remains one of the most accessible capital-city markets for first home buyers, with many growth-corridor suburbs sitting under the key scheme caps.

The takeaway? In a higher-rate market, the difference between an average loan and a well-structured one — the right rate, the right features, the right scheme — can be worth tens of thousands of dollars over the life of your mortgage. That is exactly where a broker earns their keep.

Why use a home loan broker in Perth (broker vs bank)

Here is a statistic that surprises most people: mortgage brokers arranged 76.7% of all new home loans in Australia in the December 2025 quarter — a record high for that period. More than three in four borrowers now choose a broker over going direct. Why?

Because a bank can only sell you its own products. A broker compares many lenders and finds the one that fits you. And since 2021, Australian mortgage brokers are bound by a legal Best Interests Duty — they must, by law, act in your best interests. Banks selling their own loans are not held to that same duty.

*Brokers are typically paid a commission by the lender, so their service is generally at no direct cost to you. Always confirm in your Credit Guide.

Why Choose Us

At TFP Tax, we are not just another bookkeeping or broking shop where you are a number. Every client is treated as a long-term relationship — which is why the broking industry as a whole reports that 72% of broker business comes from repeat clients and referrals, and it is a figure we are proud to reflect.

Here is what you get with TFP:

• A 28+ lender panel — real choice, not a single bank’s shelf.
• Accountant-backed advice — we read your full financial picture, not just a payslip.
• First-home-buyer specialists — we map every grant and scheme you qualify for before you start house-hunting.
• Investor expertise — investment loan structuring, negative gearing and CGT considered together.
• FBAA members — we operate under the Finance Brokers Association of Australia’s code of conduct.
• One roof for loan + tax — refinance, tax return, and structure advice from a single trusted team.

Why We Are the Best Home Loan Broker in Perth

Plenty of brokers can submit an application. Very few can look at your loan and your tax return at the same time — and that is the difference that makes TFP one of the best home loan brokers in Perth.

Consider an investor buying a rental property. A standard broker gets them a loan. TFP gets them a loan structured with an eye on borrowing capacity, loan-interest deductibility, negative gearing, and future capital gains tax — because the same team lodges their tax return. That joined-up thinking can save serious money over time and is almost impossible to get when your broker and your accountant have never spoken.

For first home buyers, that same expertise means we make sure you claim every dollar of government support you are entitled to (more on that below) and structure your genuine savings correctly so lenders say yes.

Our Team

Great advice comes from real, qualified people. Here is who you will be working with.

Kamal Sharma — Director / Principal. Kamal brings over 14 years of experience across accounting, finance, payroll, taxation and home-loan services, spanning both government and private practice in Australia. He is a Registered Tax Agent, ASIC Agent and Accredited Mortgage Broker (CRN 484496), and specialises in first-home-buyer loans, investment loan structuring, and complex tax matters including Capital Gains Tax on property, shares and crypto. His philosophy is simple: “Client satisfaction and accuracy in lodgment are our highest priorities.”

Saroj Manandhar — Senior Tax Advisor. A Certified Public Accountant (CPA) and Chartered Accountant (CA), Saroj is also a registered Tax Agent and Mortgage Broker with over a decade of experience across tax accounting, internal audit and mortgage broking — bringing rigorous financial discipline to every loan structure.

Together, they give TFP something rare: a team that is genuinely dual-qualified in tax and lending.

Our Expertise

TFP offers complete, one-stop mortgage broking for every kind of Perth borrower:

• Residential home loans — for owner-occupiers buying their first or next home.
• Low deposit & first home buyer loans — accessing 5% and 2% deposit schemes (see below).
• Investment home loans — structured with tax efficiency and long-term strategy in mind.
• Refinancing — securing a sharper rate, unlocking equity, or adding useful features like offset and redraw.
• Debt consolidation — rolling multiple debts into one manageable repayment.
• Car loans — competitive finance for new and used vehicles.

With relationships across more than 28 lenders, we compare widely to help you secure the best home loan rates in Perth for your situation.

Low deposit home loans in Perth: the options most buyers miss

You do not need a 20% deposit to buy in Perth. This is the single biggest myth we correct every week. Here are the low deposit home loans in Perth WA worth knowing in 2026:

• First Home Guarantee (FHBG): buy with just a 5% deposit and no Lenders Mortgage Insurance (LMI), with the government guaranteeing the rest. Since October 2025 there are no income caps and no place limits, and the Perth property cap is $850,000. LMI on a low deposit can cost $15,000–$40,000, so this scheme alone can save a fortune.
• Keystart (WA Government lender): deposits from as low as 2%, with no LMI, for eligible WA buyers — a genuine stepping-stone into the market.
• WA First Home Owner Grant (FHOG): a one-off $10,000 payment for eligible buyers building or buying a brand-new home valued under $750,000 in metro Perth.
• Stamp duty concessions: first home buyers pay no transfer duty up to $500,000, with a sliding concession up to $700,000 — a saving of up to roughly $18,000.
• Family Home Guarantee: eligible single parents can buy with just a 2% deposit, no LMI.

The real magic is stacking these correctly — for example, combining the $10,000 FHOG with the 5% First Home Guarantee. Get the structure wrong and you can miss out entirely. That is precisely the kind of thing our accountant-brokers get right.

How to get the best home loan rates in Perth

A sharp rate is not just about picking today’s lowest number. To secure the best home loan rates in Perth, focus on:

1. Your deposit and LVR — a bigger deposit (or a guarantee scheme) usually unlocks better pricing and avoids LMI.
2. Genuine savings — lenders typically want to see around 5% saved over three months, so start a clean savings pattern early.
3. Your credit profile — tidy up defaults and reduce credit-card limits before you apply.
4. Comparing widely — the lowest advertised rate is rarely the best overall deal once fees and features are counted.
5. Getting pre-approval — it sets a firm budget and makes you a stronger buyer when you make an offer.

A broker does the heavy lifting on all five — which is why brokers now dominate the market.

Frequently Asked Questions

1. Do I need a 20% deposit to get a home loan in Perth?

No. Thanks to the First Home Guarantee you can buy with a 5% deposit and no LMI, and Keystart allows as little as 2% for eligible WA buyers. A 20% deposit avoids LMI on a standard loan, but low-deposit schemes can get you in far sooner.

2. How much does a mortgage broker cost in Perth?

For most home loans, a broker’s service is at no direct cost to you, because the lender pays the broker a commission after settlement. Your broker must disclose how they are paid in their Credit Guide. Always ask upfront.

3. Is it better to use a broker or go straight to my bank?

A broker compares many lenders and is legally bound by a Best Interests Duty to recommend what suits you; a bank can only offer its own products. This is why brokers arranged 76.7% of all new Australian home loans in the December 2025 quarter.

4. What government grants can Perth first home buyers get in 2026?

Eligible buyers may access the $10,000 WA First Home Owner Grant (new homes), the First Home Guarantee (5% deposit, no LMI), stamp duty concessions up to around $18,000, and low-deposit options like Keystart. Many can be stacked together.

5. Can TFP Tax help with both my home loan and my tax return?

Yes. TFP is dual-qualified in tax and lending, so we can structure your home loan and manage your tax return together — a major advantage for investors and first home buyers alike.

6. What is the current home loan interest rate in Perth?

As at early 2026, with the RBA cash rate at 4.10%, average variable home loan rates sit broadly between 5.6% and 6.0%, depending on the lender, product and your borrower profile. A broker can compare live rates across 28+ lenders for your situation.

Ready to secure the right home loan in Perth?

Whether you are a first home buyer chasing a low-deposit option, an investor structuring your next purchase, or a homeowner ready to refinance to a better rate, TFP Tax combines lending expertise with accountant-level financial insight to get it right.

Call TFP Tax on 0401 450 434, email kamal@tfptax.com.au, or visit 252 Fitzgerald Street, Perth WA 6000. Let’s map your options and get you moving.