Home Loans
Perth
One conversation, 25+ lenders competing, and a broker who handles everything to settlement — free to you.
25+
Lenders competing, one application
Free service · paid by the lender
Is this you?
You're buying a home and want to know you're getting a sharp rate — not just the first offer your bank made.
You're building, and need a loan that releases money as construction hits each stage.
You want an offset account or the freedom to make extra repayments without penalties.
You'd rather one expert handled the paperwork, the lender and the deadlines for you.
Sound familiar? A free 15-minute chat is the fastest way to see your options — book one here.
How TAG helps you
The whole market, not one bank
Your bank can only offer its own products. We compare 25+ lenders — majors, non-banks and credit unions — and make them compete for you.
A loan structured to cost you less
The right mix of fixed, variable, offset and repayment settings often saves more than the rate itself. We set it up to minimise total interest over the life of the loan.
Free, from first chat to settlement
You pay us nothing — the lender pays us a commission when your loan settles, and we disclose it. Your rate is not higher because you used a broker.
We keep watching after you settle
Rates move. We monitor yours and tell you when a better deal appears — so you're never quietly paying the loyalty tax.
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.
How it works for home loans
Chat
A free 15-minute call about what you're buying and what matters to you.
Compare
We test your scenario across 25+ lenders and shortlist the sharpest options.
Apply
We prepare and lodge everything. Pre-approval typically lands in 1–3 business days.
Settle
We drive it to settlement and keep monitoring your rate afterwards.
Run your numbers
Indicative market rates as at 19/07/2026: variable 5.80%–6.20% · 1yr fixed ~5.75%. Actual rates depend on your circumstances.
Monthly Repayment
$3,555
- Total Interest
- $679,793
- Total Repaid
- $1,279,793
Estimate only — not a formal assessment or loan offer. Results use simplified assumptions; your actual position depends on your full circumstances. Speak to a TAG broker for a free, personalised assessment.
What do the key home-loan terms actually mean?
An offset account is an everyday account linked to your loan — every dollar sitting in it reduces the loan balance you pay interest on. A redraw facility is similar, but the money lives inside the loan and you pull it back out when needed.
The comparison rate is the advertised rate with most fees baked in — it's the honest number to compare loans on. LVR (loan-to-value ratio) is your loan as a percentage of the property's value; keep it at 80% or below and you avoid LMI (Lenders Mortgage Insurance), a one-off premium that protects the lender, not you.
Pre-approval is a lender's conditional yes to a loan amount before you've found the property — it tells you your real budget and makes your offer more credible.
Proof, not promises
Over $1 billion settled for Perth families and businesses since 2006.
“Faultless from start to finish. Glen and Rebecca at TAG Finance were efficient, proactive, and incredibly easy to work with throughout the entire process, from mortgage application right through to settlement.”
“This is our 3rd time using Tag Finance for purchasing property and the reason is simple, they go above and beyond to help and make the entire process easy and hassle free!”
Common Questions
How much deposit do I need for a home loan in Perth?
Most lenders accept a 5% deposit, and eligible buyers using the Federal 5% Deposit Scheme pay no Lenders Mortgage Insurance. WA's Keystart accepts as little as 2%. With a 20% deposit you avoid LMI with any lender. A TAG broker can tell you which path fits your savings.
How long does home loan approval take?
Pre-approval typically takes 1–3 business days once your documents are in. Full unconditional approval usually takes 2–3 weeks, with settlement 1–2 weeks after that. We manage every deadline so nothing stalls your purchase.
Is a mortgage broker really free?
Yes — our home-loan service costs you nothing. The lender pays us a commission when your loan settles, which we disclose to you. Your interest rate is not higher because a broker arranged the loan; brokers frequently negotiate rates below what the same bank offers walk-in customers.
Should I choose a fixed or variable rate?
Fix if repayment certainty matters most — you lock a rate for 1–5 years. Stay variable for offset accounts, unlimited extra repayments and the benefit of any rate cuts. Many Perth borrowers split the loan and get both. We model each option against your actual budget before you choose.
What's the difference between going to my bank and using TAG?
Your bank can only sell you its own loans. TAG compares 25+ lenders and is bound by Best Interests Duty — a legal obligation to recommend what's best for you, not what pays us most. Banks carry no such duty to you.
Can I get a home loan if I'm self-employed?
Yes. Self-employed borrowers have more options than most people think, including low-doc loans that use business activity statements instead of payslips. The key is choosing the lender whose policy suits how your income actually looks on paper — that's exactly what a broker is for.
Ready to see your best rate?
Free, no obligation, same-day response — and we handle everything from here.
The information on this page is general in nature and doesn’t take into account your objectives, financial situation or needs. Consider whether it’s appropriate for your circumstances before acting on it. TAG Financial Group — Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647. Our Credit Guide explains how we’re paid and how we work for you.