Mortgage Broker Perth CBD
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City living means apartment lending — and apartment lending has its own rules. Lenders treat small units, high-density towers and off-the-plan purchases differently: some cap LVRs in certain buildings, some decline under 50sqm, and policies vary more than anywhere else in the market.
TAG's office is minutes from the CBD in West Leederville, and city professionals make up a large share of our clients — from first apartments to investment portfolios.
Who we help in Perth CBD
City professionals
Professional packages, high-LVR lending for strong incomes, and fast approvals that fit business hours — we come to you, or handle everything by phone and email.
Apartment buyers
We know which lenders are comfortable with which buildings, minimum floor sizes and high-density postcodes — before you pay for a valuation.
Investors
CBD and city-fringe apartments remain a popular yield play. We structure investment lending to keep your next purchase possible.
Off-the-plan purchasers
Long settlement timelines need finance strategies that survive rate changes and revaluations. We manage the approval so it's still standing at settlement.
What's different about borrowing in the CBD?
Apartment size and building profile matter: many lenders apply stricter rules under 50sqm of living area, in buildings with high investor concentration, or with short-stay letting pools. The same apartment can be 70% LVR at one lender and 90% at another.
Off-the-plan contracts add settlement risk — your approval must still be valid when the building finishes, possibly years after signing. We time and structure approvals for that reality, and re-shop the loan if pricing moves in your favour before settlement.
Perth CBD questions, answered
Can I get a home loan for a small CBD apartment?
Usually, yes — but lender choice is critical. Many lenders restrict apartments under 50sqm of living area or in high-density buildings, while others lend to 90% on the same property. We match the building profile to the right lender before you apply.
Do you meet clients in the Perth CBD?
Yes. Our office is in West Leederville, minutes from the CBD, and we regularly meet city clients near their workplace — or handle the whole process by phone, video and email around your work hours.
Is off-the-plan harder to finance?
It has extra moving parts: approvals can expire before the building completes, and the bank's valuation at settlement may differ from your contract price. Both are manageable with the right lender and timing strategy — this is bread-and-butter work for our brokers.
General information only — it doesn’t consider your objectives, financial situation or needs. Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647.