Learn: WA finance, in plain English
Deep, practical guides written by TAG’s brokers — grants, stamp duty, refinancing, investing and every piece of jargon, explained for real people.
The essential guides
Refinancers
Should You Refinance? The Perth Homeowner's Guide
Refinancing is usually worth investigating if your rate is 0.3% or more above what new customers get, or you haven't reviewed it in two years. Australians who switch lenders save an average of about $1,900 a year (PEXA) — and checking costs nothing: a broker health check gives you a clear answer within 24 hours.
By Glen Austen · Updated July 2026
Investors
Property Investing in WA: Finance, Structure and Strategy Basics
Most Perth investors fund their first investment property with equity, not savings: lenders let you borrow against up to 80% of your home's value, using the released equity as the deposit. Loan structure — interest-only periods, offsets, avoiding cross-collateralisation — often matters more than the rate itself.
By Paul Jakovich · Updated July 2026
Everyone
Home Loan Jargon: Every Term Explained in Plain English
Finance jargon exists to be translated. This glossary explains every term you'll meet buying, refinancing or investing — LVR, LMI, offset accounts, comparison rates, serviceability buffers and 25 more — in one or two plain-English sentences each, the way a good broker would over coffee.
By Alice Earley · Updated July 2026
Vehicle Buyers
Car & Asset Finance Without the Dealer Markup
Dealer-arranged finance often builds a commission into your interest rate — the dealership is a reseller of money as well as cars. Arranging finance directly through a broker before you shop usually means a sharper rate, and lets you negotiate the car's price like a cash buyer.
By Matthew Alessandrino · Updated July 2026
First Home Buyers
Buying Your First Home in WA: The Complete 2026 Guide
In 2026, an eligible WA first home buyer can purchase a $600,000 home with about $33,000 in savings: a 5% deposit under the Federal 5% Deposit Scheme (no LMI), zero stamp duty, and — if building new — a $10,000 First Home Owner Grant. Here's exactly how it works, step by step.
By Alice Earley · Updated July 2026
Business Owners
Business & Equipment Finance for WA SMEs: The Owner's Guide
WA businesses can typically finance equipment within 24–48 hours using a chattel mortgage, buy premises at 70–80% LVR, and bridge cash-flow gaps with overdrafts or invoice finance. Low-doc options mean a healthy business with informal paperwork still gets funded — the key is matching the lender to the deal.
By Jarrod Smith · Updated July 2026