Home Loans

Home Loans
Perth

Compare 25+ lenders for the perfect Perth home loan — fixed, variable, split, or construction.

Home Loans Perth

Finding the right home loan in Perth means more than finding the lowest rate. TAG Finance compares loans across 25+ lenders — all major banks plus specialist non-bank lenders — then negotiates on your behalf. We manage every step from assessing your borrowing capacity through to settlement, saving clients an average 15–30 hours while consistently delivering better outcomes than going directly to a bank. Our brokers ensure you access an offset account where suitable, understand your fixed vs variable options, and structure your loan to minimise total interest paid over the life of the loan.

Types Available

Fixed Rate

Lock in your rate for 1–5 years. Complete repayment certainty — ideal for tight budgets or those expecting rates to rise.

Variable Rate

Moves with the RBA cash rate. Includes offset account, unlimited extra repayments, and full redraw facility.

Split Loan

Fix a portion for certainty, keep the rest variable for flexibility and offset account benefits. Popular with Perth borrowers.

Construction Loan

Progressive drawdown as building milestones are reached. Only pay interest on funds actually drawn until completion.

Interest Only

Pay only interest for an initial period. Popular with investors managing cash flow and owner-occupiers renovating.

Why TAG?

Compare 25+ lenders including all major banks
Free pre-approval within 1–3 business days
Fixed, variable and split loan options
Construction loan specialists
Low deposit from 5% (5% Deposit Scheme), 2% (Family Home Guarantee) or 2% (Keystart)
Broker-negotiated exclusive rates
Full application management to settlement
Ongoing rate monitoring — we alert you to better deals
No cost for home loan services
FAQ

Common Questions

How much deposit do I need for a Perth home loan?
Minimum 5% deposit for most standard lenders. The 5% Deposit Scheme allows 5% with no LMI for eligible buyers. WA Keystart accepts as little as 2%. A 20% deposit avoids Lenders Mortgage Insurance altogether.
How long does home loan approval take in Perth?
Pre-approval: 1–3 business days once documents are received. Full unconditional approval: 2–3 weeks with documents and settlement 1–2 weeks thereafter.

Explore your options

No obligation, no pressure — just expert advice.

Explore My Options