Your finance specialist
Welcome to Finance25. We are mobile finance brokers in Perth, Western Australia.
Whether you are looking to refinance, buy your first home or investment property, we know there is so much to consider. That’s why it is vital to have a specialist on your side, who will take the time to understand your requirements and find you a competitive loan to suit your needs and lifestyle.
With an extensive list of banks and lenders on our panel, we believe in providing you with choice to assist with your finance needs.
We are here to help and will be with you at every step of the journey. We look forward to helping you soon.
From our clients
We have earned the trust and satisfaction from our clients by providing reliable and premium quality service. See what they're saying on our Google reviews.
Services we provide
We help our clients find a solution to their finance needs.
Whether it is a home loan or to purchase other big ticket items such as a new car or fund a big overseas adventure, we are here to help!
With hundreds of loan products on the market, it is our job to help you find the right solution to suit your individual needs and servicing ability.
Let us do the research and hard work for you.
We believe the process should be easy to understand, uncomplicated and allow you peace of mind, backed by our years of experience in property and banking. So whatever home, car or business finance you are looking for, you’ve landed at the right place.
We deliver tailored finance solutions from a panel of leading mortgage and commercial lenders, providing you assurance that your loan will work for you.
Get clarity. BOOK a 15 minute call today.
Supporting First Home Buyers
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
Investment Property Loans
Investment property loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and/or accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options.
Standard Variable and Fixed Rate Loans
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a reduction in rates.
Honeymoon Loans
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for the first six to twelve months. After the ‘honeymoon’ term, the loan becomes a standard variable rate loan and the repayments will change to include the current standard variable interest rate. When taking out a honeymoon loan, it’s important to make sure you can meet the potentially higher repayments for the remainder of the loan. You could also be faced with a fee at the end of the honeymoon period if you want to switch to another type of loan.
Bridging Loans
A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.
Commercial Loans
Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase a commercial property, just contact us today.
Asset and Equipment Finance
Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.
Our Lenders
We have a wide range of lenders on our panel including the BIG 4, banks and non-banks to offer you choice and a solution to your finance needs.
Queries we get asked all the time
We've answered some of the most frequently asked questions.
Not covered below? Simply give us a call.
Mortgage brokers are qualified finance industry professionals. They work with you to determine your borrowing needs and objectives, and to help you determine how much you can borrow. Brokers help to ensure that you don’t take out a loan that is not right for you. Like your solicitor, accountant or financial planner, we are specialists in what we do and will provide you with a suitable finance solution to help you achieve your goals. With a mortgage broker, you can expect a more personalised level of service than you would usually receive directly from a lender. Additionally, our brokers have access to finance products from a wide variety of lenders. This means your broker can compare lending products from different lenders to find a loan that’s just right for you.
Some mortgage brokers charge a fee for their services and some don’t. When you take out a loan via a mortgage broker, it does not cost you more in loan repayments. Brokers get paid a commission by the lender for bringing new business to them, but this does not impact your interest rate. Some brokers charge a fee for their service. They must disclose this fee upfront to you so that you know what it will cost if you engage their services.
Absolutely not. First of all, there is very little difference between the commissions paid by the various lenders. There is also legislation in our industry called the National Consumer Credit Protection Act (or NCCP), that is designed to protect consumers and ensure ethical and professional standards in the finance industry. We tell you upfront what commission we will be getting from the lender. Our job, our only job, is to find a competitive loan for your needs and objectives.
There are specific factors that need to be considered when determining how much a customer can borrow, such as income, employment position, the deposit saved, current living expenses and any liabilities. Our borrowing calculator can give you a rough idea of how much you may be able to borrow. For a more accurate assessment, please give us a call and we can go into your options and discuss your circumstances in more detail.
Some brokers charge a fee for their service which they must disclose to you up-front before you engage their services. However, the costs of the loan are the same. These costs depend on the loan and lender you choose. If you want to save on loan costs, just tell us. We can locate loan products from the lenders with the lowest fees and charges.
A mortgage broker will recommend a product based on what you say is most important to you – for example, “pay my loan off quickly” or “guaranteed repayments” or “low cost”. Generally speaking, Variable loans offer greater flexibility and more features like offset accounts and redraws while fixed-rate loans offer more budget certainty for the fixed-rate term. We will work with you to find the right product for you.
Lenders will only sell you their own products. Each bank (or lender) has a variety of loan products on offer – package loans, introductory variable, loans with redraw facilities, plant and equipment loans, fixed rate loans, interest only, variable rate, and so on. The issue you face as a consumer is ‘which loan is right for me?’ And that is where your mortgage broker becomes an invaluable resource! If you go direct to the bank, you will only be offered the loan options available through that one lender. As your mortgage broker, we do all the leg work to find the right loan for your needs. We are across many lenders and all of their loan products, and our sole purpose is to find a suitable loan to match your personal financial circumstances and goals.
We are Connective Brokers and we have access to many lenders. This means we can source you a loan from different lenders to provide you with a variety of options that are suitable for you and your situation.
Mortgage brokers do not set rates. The Reserve Bank of Australia meets every 6 weeks to determine the official cash rate for the country. The lenders then use this information to set their own rates. Lenders also adjust their rates according to their costs and other economic considerations.
Sure thing! We are mobile brokers so we can come to you.
Contact Us
Our Founder
Sallina is an experienced banking, property and marketing professional with over 22 years of corporate experience. She has project marketed over $450 million worth of residential developments across Western Australia and bought her first property at 25 years old (with no guarantors involved). The inspiration behind the name, Finance25.
With her own experience buying, building and selling property, coupled with her background in business banking at one of the big four banks, she understands the process and requirements for an efficient loan application. She is committed to doing the right thing for her clients, education through sharing her property journey and experience, whilst delivering exceptional customer service.
Sallina holds a Bachelor of Commerce degree (double major), Diploma in Finance and Mortgage Broking Management and is a MFAA accredited Finance Broker.
Memberships
Finance25 Pty Ltd | ABN 60 671 767 589 | Credit Rep 553396 is authorised under Australian Credit Licence Number 389328
DISCLAIMER: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.