Mortgage Broker Rockingham
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Rockingham and its surrounds — Baldivis, Warnbro, Secret Harbour, Safety Bay — offer some of metropolitan Perth's most accessible coastal buying, which makes the area a magnet for first home buyers, young families and investors chasing yield.
It's also home to HMAS Stirling, Australia's largest naval base — and defence families have finance entitlements many brokers never mention.
Who we help in Rockingham
First home buyers
A large share of local stock sits under the $600,000 duty-free threshold — meaning many Rockingham first-home purchases carry zero stamp duty plus 5%-deposit, no-LMI lending.
Defence personnel & families
HMAS Stirling families may be eligible for DHOAS (Defence Home Ownership Assistance Scheme) subsidies and defence-specific lending policies. We factor entitlements into the comparison — many lenders don't advertise them.
Investors
The area's rental demand and price points draw investors from across the country. We structure loans for yield-focused portfolios.
Upgraders & sea-changers
Moving down the coast or up the street — equity release, bridging and buy-sell sequencing done properly.
Buying around Rockingham: the local picture
Affordability is the area's superpower: with a meaningful share of houses, villas and apartments under the $600,000 first-home duty-free threshold, buyers here extract more from the 2026 concessions than almost anywhere coastal in Perth.
For defence members, DHOAS can subsidise mortgage interest for years — but it works through specific lenders and interacts with other entitlements. Bringing it into the loan comparison from day one (rather than as an afterthought) routinely changes which lender wins.
Rockingham questions, answered
Do you help defence families with DHOAS loans?
Yes. The Defence Home Ownership Assistance Scheme subsidises mortgage interest for eligible ADF members and works through participating lenders. We include DHOAS-participating lenders in your comparison and structure the loan so the entitlement is fully used.
Is Rockingham good for first home buyers in 2026?
It's one of Perth's strongest first-home markets: plenty of stock under the $600,000 stamp-duty-free threshold, 5% Deposit Scheme eligibility under the $850,000 cap, and strong transport links via the Mandurah rail line. Eligible buyers can get in with roughly $30,000–$35,000 total.
Do you service Baldivis and Secret Harbour?
Yes — Rockingham, Baldivis, Warnbro, Safety Bay, Secret Harbour, Golden Bay and surrounds. Appointments at our office, by video, or locally by arrangement.
General information only — it doesn’t consider your objectives, financial situation or needs. Transact Holdings 1 Pty. Ltd., Australian Credit Licence 405647.