Home Loan

Best Home Loan & Mortgage Broker In Perth

As the best mortgage broker Perth, our clients range from first home buyers and local business owners to overseas property investors and professionals. As a trusted mortgage advisor Perth, we assist clients in selecting and tailoring their financial and legal requirements while helping them reduce overall mortgage costs and expenses. We understand that our clients expect expert guidance and cost-effective solutions, and we have consistently met these expectations without compromising the FBAA’s code of conduct.

Our Loan Services Include:

Kamal Sharma (Director of TFP) is an Accredited Mortgage Broker Perth (CRN 484496) who can guide you through the complex process of acquiring a mortgage and connect with mortgage lenders. Due to our solid relationship with more than 28 lenders. We can confidently say that we can easily provide you with information on all the alternatives available to you when it comes to choosing a loan.

Residential home loan
Refinancing
Investment home loan
Debt Consolidation
Should you required confidential discussion based on your scenario please contact us on 0893196840 or 0401450434.

Home Loan

Whether you are a first home buyer or looking to invest in property, our team offers one-stop mortgage broking solutions to support your needs. We specialize in home loans in Perth, helping you find the right loan based on your financial goals. Kamal Sharma (Director of TFP) is an Accredited Mortgage Broker in Perth (CRN 484496) who will guide you through the complex mortgage process and connect you with trusted lenders.

With strong relationships with more than 28 lenders, we can provide access to a wide range of options and help you compare and secure the best home loan rates in Perth, ensuring you make an informed and cost-effective decision.

We have wide array of services to fulfill your loan requirements, including but not limited to:

Residential home loan
Investment home loan
Refinancing
Debt consolidation

Car Loan

If you’re a family needing a spacious SUV, or a single person wanting a hot hatchback, owning a vehicle is an absolute necessity. You may need a car loan for your transport needs, and TFP can help in this matter.

At TFP, we understand that having your own reliable, affordable, and comfortable mode of transport is essential to you, your family, and your business. We are dedicated to helping you get it and proudly have access to secured loans for both new and used vehicles.

Refinance

Refinancing is the process of taking out a new mortgage to replace an existing loan, which can be with the same lender but in most cases involves switching to another bank or lender.

Our team can help you scrutinize your ever-changing personal finance circumstances and can help:

Get a better interest rate or different features such as redraw facilities or flexible payments for your existing loan/finance arrangements.
Use the equity in your home to borrow money to renovate/new car/holiday etc.
Consolidate multiple debts into your mortgage so it’s easier to manage your finances.

KEY POINTS A FIRST HOME BUYER SHOULD KNOW IN WA

While buying your first home can be overwhelming, there are a few helpful ways to ensure your experience is a smooth one.

Here are our top four tips for new home buyers.

1. Find the Right Broker for Your Home Loan.

Finance / Mortgage brokers provide you expert advice or range of borrowing options, however finding the right one is essential as they are the one to guide you through out the process.

2. Calculation of Borrowing Capacity

One should be realistic about current financial situations, also about future costs and monthly mortgage payments they can afford.

Using serviceability calculators from different banks to calculate borrowing capacity and household budget calculators can help in better planning.

3. Genuine Saving & Fund to Complete

Deposit can be in the form of saving and non-saving. Usually, lenders require 5% of purchase price as genuine saving while acquiring a home loan. But a saving of bigger amount can benefit you in more ways like lower interest rate and lower repayments. Likewise having deposit of 20% or more, avoids the extra cost of Lenders Mortgage Insurance.

See if you are eligible for government grants and stamp duty concessions available for first home buyers, which may vary from state to state.

4. Find the Right Home

Once you have a clear picture of how much you can afford, make sure you explore your full range of options in terms of where you will live, as well as the kind of house you want. Do a research for local available services and decide which housing option best suits your lifestyle.

FAQS

Frequently asked question

Why choose TFP tax accountant in Perth?

No Appointment Needed: If you can’t make it in person with Tax Agent, we make the process simple and quick, online or over the phone.
Same-Day Completion: Send us your full details, and we can complete your tax return on the same day.
Expert Support: Your allocated Tax Accountant is always available to answer questions, either online or by phone.
Maximized Refunds: A qualified Tax Accountant will check your return for extra deductions, ensuring you get the maximum refund possible before it’s submitted to the ATO.
Confidence in Accuracy: Consumer surveys show that the #1 reason people choose TFP Tax Accountants is for the peace of mind that their tax return is done correctly. We ensure any mistakes are corrected to avoid delays or ATO issues.

What services do you offer?

Tax Return for Individuals

Individual Tax Returns: Preparation and filing of tax returns for all professionals.
Sole Trader Tax Returns: Assistance with tax returns for sole traders.
Rental Income & Negative Gearing: Guidance on tax implications of rental income and strategies for negative gearing.
Capital Gains on Rental Property, Shares, and Crypto Currencies: Advice on capital gains tax related to rental properties, shares, and crypto currency.
Employee Share Schemes: Support with tax matters concerning employee share schemes.
Income from Partnerships, Companies, and Trust Distributions: Assistance with tax obligations arising from income received from partnerships, companies, and trusts.
Redundancy & Employment Termination Payments: Guidance on tax implications of redundancy and employment termination payments.
Income from Australian Government Payments, Pensions, and Superannuation Income Streams: Advice on taxation of income from government payments, pensions, and superannuation income streams.
Interest Income, Franked and Unfranked Dividends: Support with tax matters related to interest income and dividends, both franked and unfranked.

Small Business Accounting:

We offer a comprehensive suite of services tailored to small businesses, including:

Entity Structuring: Assistance in selecting the most suitable business structure—such as sole trader, partnership, company, family trust, or unit trust—to optimize tax efficiency and operational effectiveness.
Bookkeeping & Payroll Management: Provision of accurate bookkeeping services and efficient payroll management to ensure compliance and streamline financial operations.
Superannuation and BAS Reporting: Guidance on superannuation obligations and preparation of Business Activity Statements (BAS) to meet regulatory requirements.
Annual Tax Returns & Financial Preparation: Preparation and filing of annual tax returns, along with comprehensive financial statements, to support informed decision-making.
Tax Planning & Business Advisory Services: Strategic tax planning and advisory services to foster business growth, enhance profitability, and ensure long-term financial success.

Our goal is to provide personalized solutions that align with your business objectives and ensure compliance with Australian tax regulations.

For Home Buyers:

Home Loan Application Preparation & Lodgement,
Calculating Borrowing Capacity.
Refinance & Debt Consolidation,
Assisting on Investment Loan structuring,

I’m new to setting up a business. How can an accountant help me?

We provide guidance for new startup businesses, ensuring they structure their entity correctly based on your specific circumstances.
We can provide you with a clear outline of the compliance tasks you need to manage.” Such as GST Registration, PAYG Registration, FBT, Fuel Tax Credit etc.
We can provide you with an annual calendar that outlines all the necessary lodgments and reporting compliance deadlines.
You’ll have peace of mind knowing your business is being handled by the right accountant.

Do you offer consulting services?

Our consulting services include, but are not limited to:

Tax compliance and reporting
Business structure evaluation
Cash flow review and forecasting
Payroll management
Financial health check for existing businesses

Is TFP Tax Accountants able to work with different accounting software?

“We are proficient in working with various accounting software, including Xero, MYOB, QuickBooks, and any other platform where your business records are kept.”

Let's Talk

Get In Touch

Our clients range from individuals and business owners to overseas property investors and professionals. They often require assistance beyond tax returns and business accounting, seeking guidance on tax planning and various financial and tax-related matters. Our Business Accountants, Tax Agents, and Tax Advisers are available year-round to discuss and support your personal and business needs.