Mortgage Broker Joondalup
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Perth's northern corridor is where the city grows: established family suburbs around Joondalup's lakes and the coast, and new estates pushing north through Alkimos, Eglinton and Yanchep. That mix means two very different kinds of lending — established family homes and house-and-land construction — and we do both daily.
TAG broker Warwick Dunn lives and works in the northern corridor (Two Rocks), bringing 30 years of finance experience to buyers from Hillarys to Two Rocks.
Who we help in Joondalup
First home buyers
The northern estates are WA first-home heartland: house-and-land packages that stack the $10,000 FHOG with duty-free land under $450k and the 5% Deposit Scheme.
Growing families upgrading
Buy-then-sell or sell-then-buy, bridging options, and using the equity in your current home for the next one.
House-and-land builders
Construction loans with staged drawdowns, handled alongside your builder's timeline — and we chase the drawdowns so your build never waits on the bank.
Local self-employed & tradies
The corridor runs on trades. Low-doc lending, ute and equipment finance, and home loans that read subbie income properly.
Building in the northern corridor: what matters
House-and-land finance is really two loans in one: land settlement first, then construction drawn in stages as the build progresses (slab, plate height, lockup, practical completion). You pay interest only on what's drawn — but builder timelines and bank paperwork need active management, which is exactly what your broker is for.
First home buyers building new stack benefits unusually well here: the $10,000 FHOG applies, land under $450,000 is duty-exempt, and the 5% Deposit Scheme covers construction packages under its $850,000 Perth cap.
Joondalup questions, answered
Do you have a broker based in the northern suburbs?
Yes — Warwick Dunn operates from Two Rocks and services the whole corridor from Hillarys to Yanchep, with 30 years in finance including 17 at Westpac. Home, office or video appointments all work.
How does a construction loan work for house-and-land?
The land settles first, then the construction portion is drawn in stages as your builder hits milestones — slab, walls, lockup, completion. You pay interest only on the amount drawn so far, and repayments step up as the build progresses.
What government help applies to building a first home up north?
Three things stack: the $10,000 First Home Owner Grant for new builds, stamp duty exemption on land up to $450,000, and the 5% Deposit Scheme (no LMI) up to $850,000 total in Perth. Together they make new builds the cheapest entry point for many northern-corridor buyers.
General information only — it doesn’t consider your objectives, financial situation or needs. Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647.