Perth homeowners with equity above 20% LVR can use that equity as a deposit for an investment property – without needing cash savings. This guide shows exactly how the numbers work in 2026.
If you are searching for a mortgage broker Rockingham, Mandurah, Baldivis, Byford, or anywhere in Perth’s southern corridor, Strawberry Finance delivers CA-qualified mortgage broking expertise to every southern Perth client. Director Sahil Saini – a CA-qualified mortgage broker – is based in Hillarys and serves the full Perth metropolitan area, providing in-person or video consultations to Rockingham, Mandurah, and southern suburbs clients with the same expertise and 40+ lender access as any metropolitan Perth client.
The mortgage broker Rockingham role in 2026 requires genuine knowledge of the southern Perth corridor’s property dynamics:
As your mortgage broker Rockingham and Mandurah specialist, Strawberry Finance brings specific expertise in the government schemes that make Perth’s southern corridor one of its most accessible markets for first home buyers. Mandurah’s median house price of $490,000–$550,000 is well within Keystart’s $800,000 property cap, the First Home Guarantee’s $850,000 Perth cap, and below the $750,000 threshold for the WA FHOG on new builds. Combining Keystart (2% deposit, no LMI) with the FHOG ($10,000 on eligible new builds) gives Mandurah first home buyers a genuinely accessible entry to the market without needing large cash savings.
As mortgage broker Rockingham, Mandurah and Baldivis, Strawberry Finance handles all home loan types in the southern corridor:
Southern Perth borrowers seeking a mortgage broker Rockingham or Mandurah specialist have three options: walk into a bank branch, use a large franchise broker network, or engage an independent CA-qualified broker like Strawberry Finance. The CA qualification makes a specific difference for: self-employed tradies and small business owners throughout Rockingham and Mandurah (income add-back analysis increases borrowing capacity); investors analysing yield vs holding cost in the Mandurah/Rockingham market; and debt structuring decisions that have tax implications requiring both mortgage and accounting knowledge.
As your mortgage broker Rockingham, Mandurah, and southern suburbs specialist, Strawberry Finance offers free consultations by phone, video call, or in person at our Hillarys office. Every consultation includes a full borrowing capacity assessment using actual lender policy (not a generic calculator), a review of all government scheme eligibility, and a loan structure recommendation tailored to your specific situation. Call 0457 133 453 or visit www.strawberryfinance.com.au to book your free southern Perth mortgage consultation.
Yes. Strawberry Finance serves clients across all of Perth’s metropolitan area including the full southern corridor – Rockingham, Mandurah, Baldivis, Secret Harbour, Golden Bay, Byford, Kwinana, Parmelia, Medina, and Warnbro. Consultations are available by phone, video call, or in person at our Hillarys office. For clients who prefer an in-person meeting in the southern suburbs, we can also arrange to meet at a convenient local location.
Mandurah offers some of Perth’s strongest rental yields in 2026 — approximately 5.3–5.8% gross on houses — combined with median prices of $490,000–$550,000 that are significantly below Perth’s citywide median. This yield-to-price combination is attractive for investors. Mandurah also benefits from improving transport links and Perth’s overall supply constraint. As with any investment decision, the specific property, suburb within Mandurah, and loan structure all affect the return. Strawberry Finance models the full investment case before recommending.
Yes — Keystart is available for all properties within Western Australia’s metropolitan boundary up to $800,000. Rockingham ($630,000 median) and Baldivis ($590,000 median) are both within the Keystart property cap. Keystart income limits apply: $148,000 for singles, $218,000 for couples/families as at December 2024. We confirm both eligibility criteria and current availability as part of every first home buyer consultation for southern Perth clients.
The METRONET Byford extension is a new rail line extending Perth’s Armadale line further south to Byford. The project is designed to improve public transport connectivity to Perth’s growing south-eastern corridor. Infrastructure investment of this scale typically supports sustained property price growth in surrounding suburbs as accessibility improves. Byford has recorded strong annual price growth of 10–12% as buyers and investors anticipate improved transport options.
A mortgage broker compares products from 40+ lenders — banks, credit unions, and non-bank lenders — to find the most suitable rate and product for your specific situation. A single bank can only offer its own products. For southern Perth borrowers, particularly self-employed tradies and small business owners where income assessment varies significantly between lenders, a broker often identifies $30,000–$80,000 more in borrowing capacity compared to walking into a single bank. The broker service is free — lenders pay the commission.
Yes — equity in your Mandurah property can be accessed through refinancing to fund investment property deposits in other Perth suburbs or further afield. The equity calculation is the same as for any Perth property: current value × 80% LVR minus current mortgage balance equals usable equity. Given Mandurah’s recent growth, many owners who purchased 3–5 years ago may have accumulated $100,000–$200,000 in accessible equity. Strawberry Finance calculates your exact equity position and identifies the right structure for accessing it.
Note: This article is intended to provide general information only. It does not take into account the financial situation, objectives, or needs of any individual reader and must not be relied upon as financial product or credit advice. While every effort has been made to ensure the accuracy of the information provided, some details may change over time or may not always reflect the most current market conditions. Readers should consider seeking independent financial or professional advice before making any financial decisions based on this information.
Perth homeowners with equity above 20% LVR can use that equity as a deposit for an investment property – without needing cash savings. This guide shows exactly how the numbers work in 2026.
Strawberry Finance is the CA-qualified mortgage broker Rockingham, Mandurah, and southern suburbs Perth trust – with local property market knowledge and access to 40+ lenders for first home buyers, investors, and refinancers.
Stamp duty WA 2026 – full transfer duty rates, first home buyer exemption under $430K, partial concession to $530K, and key Perth property price examples.