As a dedicated first home buyer mortgage broker in Perth, Strawberry Finance helps you understand your true borrowing power, navigate lender policy, access government grants and manage the entire approval process with clarity and confidence. We remove the confusion so you can focus on finding your perfect home
Buying your first home in Perth comes with excitement and real complexity. Deposit requirements, borrowing rules and incentive schemes change across lenders, creating uncertainty for first-time buyers. We simplify every step by using real lender policy – not generic calculators – to assess your position and build a loan structure that supports your long-term financial stability. Use our stamp duty calculator to estimate your upfront costs.
We calculate your borrowing capacity using actual lender criteria, not generic online tools
We check all available first home buyer incentives to maximise your benefits.
Your loan is designed to support both your purchase and your financial future.
Your documents and submissions are handled with care to reduce delays and stress.
First home buyers in Perth may be eligible for multiple government incentives that reduce your upfront costs significantly. As your first home buyer mortgage broker in Perth, we check every available scheme during your initial consultation – at no cost to you.
Up to $10,000 for eligible first home buyers purchasing or building a new home in WA.
Buy with just 5% deposit - no LMI payable. Unlimited places available from Oct 2025.
First home buyers may receive a full or partial stamp duty concession in Western Australia.
Extra support for buyers purchasing in regional WA - same 5% deposit, no LMI conditions.
Eligibility rules vary by scheme, and understanding them is essential before applying. Strawberry Finance manages every step of the process as part of our specialised home loan broker service for first home buyers, ensuring your application is structured properly from the start. To understand the program in detail, you can learn more about the First Home Guarantee Scheme on the official NHFIC website.
We don’t just find you a loan – we design a lending strategy that supports your short-term plans and long-term wealth. As a trusted first home buyer broker in Perth, we put structure and real lender policy first.
We calculate borrowing power using real lender policy, not generic online calculators, for results you can trust
From pre-approval to settlement, we manage the entire process - including paperwork, lender follow-ups and grant applications.
Every first home buyer situation is unique. We structure your loan to match your income, deposit level and long-term financial goals.
We compare home loan products across 60+ lenders - including banks, non-banks and specialist first home buyer lenders - to find your best fit.
Buying your first property can feel overwhelming without the right guidance. A first home buyer broker Perth specialist helps you understand borrowing limits, lender policies, and available incentives before you commit to a property search.
Working with a first home buyer mortgage broker Perth ensures your loan strategy is built on real lender criteria, helping you secure approval faster while avoiding costly mistakes during the buying process.
Understanding Perth Property Market 2026 Predictions is equally important, as interest rates, housing supply, and suburb growth trends can influence when and where first home buyers should enter the market.
With expert guidance and insights into Perth Property Market 2026 Predictions, you can make confident buying decisions, structure your finance wisely, and position yourself for long-term property growth.
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We calculate your borrowing power using real lender policy, confirm your deposit requirements and check every grant or scheme you may be eligible for – including the FHOG and First Home Guarantee. Use our loan repayment calculator to understand your monthly commitments before we meet.
We outline the best loan structure for your goals and shortlist lenders whose policies match your situation. No generic calculators. No guesswork. Just a strategy built around your financial position as a first home buyer in Perth.
Your documents are packaged correctly from the start. We handle assessors, follow-ups and all lender communication so your approval moves quickly and cleanly. We also manage your FHOG and scheme applications simultaneously.
We coordinate valuations, settlement requirements and professional partners. After you move in, we continue reviewing your loan every year to keep your structure strong and your interest rate competitive
We don’t stop at settlement. We review your loan regularly, track interest rate changes, and help you refinance or restructure when needed. Our goal is to ensure your home loan continues to support your long-term financial growth and wealth strategy.
Choosing the right first home buyer mortgage broker in Perth can be the difference between a confident, well-structured purchase and a drawn-out, stressful one. At Strawberry Finance, we do more than find you a loan – we build a borrowing strategy that accounts for your deposit position, your income structure, your eligibility for WA government grants, and the lender whose policy gives you the strongest approval outcome.
Perth’s 2026 property market moves quickly. Properties in most suburbs are selling within 14 days, and buyers without pre-approval are consistently losing offers to those who are ready to move. We get first home buyers pre-approved in 48-72 hours, coordinate grant and scheme applications, and manage every step from initial assessment to settlement day.
As a first home buyer mortgage broker in Perth with local expertise, we understand WA-specific conditions – short finance clauses, stamp duty concessions, FHOG eligibility, and the lender valuation patterns that affect Perth suburbs. If you are ready to move from wondering to owning, speak with Strawberry Finance today.
Buying your first home in Perth brings up a lot of questions. From deposit sizes and borrowing capacity to government grants and lender requirements, understanding your options can feel overwhelming.
The right loan structure can make a significant difference to how much you can borrow, your upfront costs and your ongoing repayments. Comparing multiple lenders can also help you identify options that better suit your income, deposit and future plans.
We believe in total transparency when it comes to Perth Home Loan Affordability. Here are the answers to the questions we hear most often from first-time buyers in Perth—shared with the same clarity and honesty we bring to every client conversation.
Online calculators generally use a “one-size-fits-all” formula that can often be inaccurate. At Strawberry Finance, we assess your borrowing capacity using real lender policies and actual credit criteria. This means the figure we give you is a realistic reflection of what banks are likely to approve, giving you the confidence to make offers without the fear of finance falling through.
Absolutely. As your first home buyer mortgage broker in Perth, we check every available state and federal incentive during your initial consultation – including the First Home Owner Grant (FHOG WA), the First Home Guarantee Scheme (5% deposit, no LMI), the Regional First Home Buyer Guarantee, and stamp duty concessions. Part of our Assess Your Position stage involves confirming your specific eligibility to ensure you maximise your benefits and reduce upfront costs.
While a 20% deposit avoids Lenders Mortgage Insurance (LMI), many first home buyers in Perth can enter the market with as little as 5% – especially through the First Home Guarantee Scheme, which removes the LMI requirement entirely. Your required deposit depends on your income, the property price and your scheme eligibility. Read our detailed blog: ‘First Home in Perth with Just 5% Deposit in 2026’ for a full breakdown.
Yes, we provide full end-to-end support. From packaging your initial application correctly to handling lender queries, valuations and settlement requirements, we manage the entire administrative burden. Our goal is to make the journey from application to getting your keys as smooth and stress-free as possible for every first home buyer we work with.
Most first home loan applications in Perth take between 5 to 15 business days to receive formal approval, depending on the lender and how complete your documentation is. At Strawberry Finance, we pre-package your application using real lender criteria to minimise delays. One of our clients received formal approval in just 6 working days. We also manage all lender follow-ups so you never have to chase the bank yourself.
A first home buyer mortgage broker perth (Strawberry Finance) compares multiple lenders instead of one bank. A first home buyer broker perth evaluates lender policies, borrowing limits, and incentives to help first-time buyers secure the most suitable home loan structure.
A first home buyer broker perth guides you through deposit requirements, borrowing power, and lender selection. A first home buyer mortgage broker perth also helps apply for government grants and structures your loan for long-term financial stability.
Yes. A first home buyer mortgage broker perth evaluates your eligibility for grants, guarantees, and concessions. A first home buyer broker perth ensures applications are submitted correctly so you maximise benefits available to first-time buyers.
Ideally, speak with a first home buyer broker perth before starting your property search. A first home buyer mortgage broker perth calculates borrowing power and prepares pre-approval so you can confidently make offers.
A home loan broker for first home buyers compares lenders, calculates borrowing capacity, and structures the loan correctly. At Strawberry Finance, we also provide first home buyer advice perth buyers need to understand grants, deposits, and lender approval requirements.
Reliable first home buyer advice perth buyers need should come from an experienced broker who understands lender policy and government schemes. A home loan broker for first home buyers provides personalised guidance before you start searching for property.
A first home buyer mortgage broker Perth gives you access to 20 to 40+ lenders simultaneously – including banks, credit unions, and non-bank lenders – compared to the single product range your bank can offer. More importantly, a broker uses real lender policy to calculate your borrowing capacity, not a generic online calculator. This matters because different lenders assess income, debts, and living expenses differently, meaning the amount you can borrow varies significantly between them. A first home buyer mortgage broker Perth also checks your eligibility for every available grant and scheme — the WA First Home Owner Grant ($10,000 for new homes under $750,000), the First Home Guarantee (5% deposit, no LMI, unlimited places from October 2025, Perth cap $850,000), and WA stamp duty concessions – and ensures your application goes to the lender most likely to approve it on the best terms. The service costs you nothing. Brokers are paid a commission by the lender upon settlement, not by you.
A first home buyer mortgage broker in Perth manages your entire home loan journey – from your first conversation through to settlement day and beyond. At Strawberry Finance, this starts with a borrowing capacity assessment using actual lender policy for your specific income, debts, and deposit — not an online calculator estimate. We then check your eligibility for all current government grants and schemes, recommend the lender and product that best fits your goals, and prepare and submit your pre-approval application. Once you find a property, we convert your pre-approval to a full formal approval, liaise with the lender’s valuation team and your conveyancer, and follow up daily with the bank to ensure your settlement completes on time. You are kept informed at every stage there are no surprises, no chasing the bank yourself, and no delays that a well-prepared application could have avoided. Call Strawberry Finance on 0457 133 453 to start your first home buyer journey today.
Our specialists are ready to assist you with immediate support and accurate guidance for every service requirement.
32 Endeavour Road, Hillarys WA 6025
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