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0411 229 602


Welcome to the Perth Mortgage Broker Group Website. We are available 7 days a
week on 0411 229 602

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First Home Buyers

We can help with your first home, from finding a suitable home loan, and applying
for the first home buyers grant.

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Investment Home Loans

With a wide variety of investment home loans we can give many options if you are
thinking about purchasing or refinancing an investment property.
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We have a range of home loan
options, including low deposit and
no deposit ( with a guarantor) home loans.


If you are thinking of building a new
home we have many construction
home loan options available.


Our obligation free online
home loan health check may
help you save money!

Why Get A Pre-Approved Home Loan

If you are looking at buying your first home, or your next home or an investment property, it may be worth considering obtaining a pre-approved home loan.
With pre-approved mortgage finance, you would generally meet you’re your mortgage broker, and learn how much you could borrow, know how much deposit you may need, and the fees when looking at your property purchase. Then once you have decided on how much your pre-approved home loan will be, you will need all the paperwork required to get a home loan.
Most banks or lenders, with pre-approved mortgage finance, check the paperwork, do a credit check, and then, hopefully pre-approve your mortgage application. Also too with pre approved mortgage finance, the pre-approved home loan limit, is an up to amount, so if you find a cheaper property, or don’t need to use the full pre approved home loan limit, then that is fine. For example, if you have a $400,000 pre-approval in place, but only need a $250,000 home loan, then that is ok, as your limit you applied for was $400,000.
If you need more than your pre approved limit, provided you have talked to your mortgage broker beforehand, and have ascertained how much you can borrow, you should be ok to increase the pre approved amount, with your application.
Pre-approved mortgage finance, with most banks and lenders generally has no cost, and the pre-approval lasts on average for 3 months, with most lenders. It is important when you are speaking to your mortgage broker to know all the possible costs associated with any pre approval mortgage application.
If your pre-approved mortgage finance expires, it still generally costs nothing with most banks and lenders, to apply for another pre-approval.
There are many advantages to pre-approved mortgage finance. Some advantages include –
  • You know how much you can borrow
  • You have the peace of mind knowing that you finance is pre approved.
  • A real estate agent may take your offer more seriously, knowing that you have pre-approved finance in place.
  • The pre-approved finance may give you more negotiating power on the property you are thinking of purchasing, as your finance has been pre-approved, giving the seller more confidence in your finance application.
  • You will know the costs of the property purchase, things like transfer stamp duty, any mortgage insurance fee, if applicable, etc.

Because you have a pre-approval in place, most banks and lenders, will be quicker assessing your home loan application, as they have already done part of the work with your pre approval application.

A pre-approved mortgage application doesn’t always mean that your home loan will be approved, once you have found a property. The bank or lender will still generally speaking value the property you have brought, re check your paperwork, and do employment checks.  Generally speaking though, if your home loan has been pre-approved, your formal finance application (when your find the property), should be more than likely approved.

If you would like some more information about pre-approved home loans, please contact Perth Mortgage Broker Group , or call Troy on 0411 229 602, 7 days a week
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We do not charge any brokerage fees on all of our residential home loans. Our service is complimentary to you.
Compare Home Loans

Compare Home Loans

You could save money, by using our online home loan comparison form and comparing your mortgage.


As part of our service, we are offering free Perth property reports on as many properties as you like.
Perth Mortgage Broker Group
We are open 7 days a week.
Please contact us anytime.
0411 229 602