Mortgage and Finance Brokers in Perth

Oakwood Finance in Perth

Oakwood Finance’s Perth office is on Level 28 at 140 St Georges Terrace, in the centre of the city’s business district. Appointments are available there for Western Australian families, professionals, investors and business owners who want lending that is structured deliberately rather than sold off the shelf. We are finance brokers: we compare suitable options across more than 70 lenders, prepare your application carefully and manage it through to settlement, while the lender assesses the application and makes the decision.

Many Western Australians earn income that does not fit a standard template, such as resources-sector rosters, contracting arrangements, business ownership or a mix of salary and distributions. Lenders differ widely in how they treat these, and knowing which ones to approach is a large part of what we do.

Our Perth office

Level 28, 140 St Georges Terrace, Perth WA, 6000
Phone: 1300 73 75 76
Email: hello@oakwoodfinance.com.au

Meetings are by appointment, and we work around rosters and work commitments wherever we can. Arrange a consultation.

Residential lending in Perth

Whether you are buying a first home in the northern or southern corridors, moving to a larger home in the western suburbs, building on a new block or adding an investment property, we compare suitable loan options aligned with your requirements and explain the trade-offs between rate, features and flexibility in plain language. Refinancing is reviewed on the same basis: whether a change would leave you better placed once costs are considered, not simply whether one is available. Read more about home and personal lending.

Commercial, development, asset, medical and SMSF lending

For Perth businesses and investors we arrange owner-occupied and investment commercial property finance, business lending and working capital, construction and development funding, and asset and equipment finance for vehicles, plant and specialised equipment. Many lenders offer medical and some allied health professionals policies specific to their professions, subject to eligibility, and a self-managed super fund may be able to borrow for residential or commercial property within the rules that apply to it, which we work through with your accountant and adviser. See commercial finance and medical and specialist lending.

Working with clients across Perth and Western Australia

We work with clients across the metropolitan area and beyond, wherever you are based: the CBD, West Perth and Subiaco; the western suburbs from Cottesloe to Claremont; the northern corridor through Joondalup; Fremantle and the southern suburbs to Rockingham and Mandurah; and the Swan Valley and the Perth Hills to the east. We also arrange lending for Western Australians living or working regionally, from the Pilbara and the Goldfields to the South West, subject to each lender’s policy on the location of the property or business.

Perth finance FAQs

I work a fly-in fly-out roster. Does that affect how lenders view my income?

It can. Lenders commonly take different approaches to allowances, overtime and site-based pay, and some are more comfortable with roster-based employment than others. We match your circumstances to lenders whose policies suit them and present your income clearly, subject to the lender’s assessment.

Can you arrange a construction loan for a house and land package?

Yes, subject to lender assessment. Construction lending is commonly drawn in stages as the build progresses, and lenders typically assess the land contract, the building contract and the plans together. We help you prepare the documentation and keep the process moving between builder, lender and you.

Can a self-managed super fund buy our business premises?

In many cases an SMSF can purchase commercial property and lease it to a related business, within the rules that govern superannuation and limited recourse borrowing. We arrange the lending side and work alongside your accountant and financial adviser, who advise on whether the structure suits your fund.

How long does it take to arrange finance in Perth?

Timeframes depend on the lender, the complexity of your position and how quickly documents are provided. Lender turnaround times vary and change from week to week, so we tell you what to expect from the lenders being considered and plan settlement dates with that in mind rather than assuming the shortest possible turnaround.

Oakwood Finance Pty Ltd is a Credit Representative (561236) of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704. Oakwood Finance arranges credit through lenders and does not lend in its own right. All lending is subject to lender assessment, and terms, fees and charges apply.

Finance across Perth

Oakwood Finance works with Western Australian families, professionals, investors and business owners across metropolitan Perth. WA clients often have income that does not fit a standard template, including resources-sector rosters, contracting and business ownership, and we are used to presenting that position clearly to lenders. From the western suburbs and the CBD to the Joondalup corridor in the north, the Swan Valley in the east and Fremantle, Cockburn and Rockingham in the south, Oakwood arranges credit rather than lending it, drawing on a panel of more than 70 lenders.

Central / Premium Perth

Northern Perth

North-East / East Perth

Southern Perth

Across the metro area Oakwood can help with home loans for first homes, upgrades, investment properties and refinancing, commercial finance for premises and business lending, medical and professional lending for doctors, dentists and allied health, asset finance for vehicles and equipment, SMSF lending for self-managed funds, and development finance for construction and small projects in the northern and southern growth corridors.

Local pages: Joondalup and the northern suburbs | Fremantle to Rockingham, the southern suburbs

Book a consultation at a time that suits you, or Start a conversation and an Oakwood broker will be in touch.