Buying a property
Buying is one of the most significant financial decisions you’ll make. We compare hundreds of products, guide you to the right one, and manage the entire process through to settlement.
Get started →Independent mortgage brokers · Perth WA
The right home loan,
found for you.
Buying, refinancing, or investing — we compare 50+ lenders and handle everything so you can focus on what matters. Zero broker fees, always.
No broker fees
50+ lenders
ACL 389087
Perth locals
At a glance
50+Lenders we actively compare
$0Broker fees, ever
100%Independent — we work for you
WAPerth-based, state-wide service
Why use a broker
More than half of Australians now arrange their home loan through a broker
The reason is straightforward: walking into a bank means seeing only that bank’s products, on that bank’s terms. A broker works for you instead.
At Jackwell Finance, we search across 50+ lenders, negotiate on your behalf, manage all the paperwork, and stay with you from the first conversation all the way through to settlement.
Broker vs. going direct to a bank
✓ Access to 50+ lenders and hundreds of products
✓ Negotiates rates and terms on your behalf
✓ Manages the full process, start to settlement
✓ Recommends what suits you — not the lender
✓ Zero broker fees — always
× Bank: limited to its own products and rates
× Bank: works for its shareholders, not you
01
We understand your situation first
Before recommending anything, we listen. We take the time to understand your goals, circumstances, and what really matters to you in a home loan — then we start looking.
02
We search across 50+ lenders
From the major banks to specialist lenders you’d never find on your own, we identify the products that actually fit your profile and present a clear, honest shortlist.
03
We handle every piece of paperwork
Loan applications are time-consuming. We prepare, submit and track everything on your behalf, so you’re not chasing forms or trying to decode lender jargon.
04
We’re available when you need us
We meet at a time and place that works for you — at home, at your office, or over coffee — day, evening, or weekend. And we remain a resource long after your loan settles.
05
You pay nothing
We’re paid by the lender after settlement. Our service costs you nothing, and we disclose all commissions fully and transparently, as required by law.
What we do
One broker, every situation
From first home to investment portfolio — we have the expertise and lender access to find the right fit.
Reviewing your current loan
Your loan should still be working hard for you. If you haven’t reviewed your rate recently — or your circumstances have changed — we’ll do a free health check and find a better deal if one exists.
Review my loan →Entering the market
From borrowing power to the WA First Home Owner Grant and stamp duty concessions, we make the process clear and manageable from day one, so you can buy with confidence.
Start the conversation →Growing a portfolio
The right loan structure can meaningfully affect your investment returns. We understand the investor market and know which lenders work best for property investors across WA.
Explore options →Building or buying off-plan
Construction financing has its own complexities — drawdowns, fixed-price contracts, valuations during build. We guide you through every stage and manage the lender throughout.
Talk to us →Simplifying your finances
Rolling high-interest debt into your home loan can significantly reduce monthly outgoings. We model the full picture — including the long-term cost — so you can decide clearly.
Run the numbers →How it works
Simple from the first conversation
We keep the process clear and uncomplicated. Here’s what working with Jackwell Finance looks like.
01
Free consultation
We meet at a time and place that suits you. We listen first, ask the right questions, and build a clear picture of your goals — with no pressure to proceed.
02
Research & compare
We search 50+ lenders, assess the products that match your profile, and present a clear shortlist with honest explanations of the trade-offs between them.
03
Application & negotiation
We prepare and submit your application, liaise directly with the lender, and negotiate terms on your behalf to secure the best possible outcome.
04
Settlement & beyond
We track your loan through to settlement and remain available long after — ready to review and adapt as your life and the rate environment change.
Loan types explained
No universal best loan — only the right one for you
A plain-English guide to the main loan structures in Australia, with an honest look at the benefits and trade-offs of each.
Variable Rate Loan
Australia’s most widely held home loan. Your rate moves with the market — rising and falling as the Reserve Bank adjusts the cash rate. Variable loans typically offer the most flexibility: extra repayments, redraw facilities, and offset accounts are all commonly available. If you can absorb some rate movement and value long-term flexibility, variable is often the most cost-effective choice over time.
Ask us about variable loansStrengths
- Benefits when rates fall
- Extra repayments allowed
- Offset account available
- Redraw facility access
- No break costs to exit
Trade-offs
- Repayments rise with rate increases
- Budget less predictable
- Requires financial discipline
Fixed Rate Loan
Your rate is locked for a set period — typically one to five years — giving you complete certainty over repayments regardless of market movements. Fixed loans suit borrowers with tight budgets or those who expect rates to rise during the fixed term. At the end of the fixed period, the loan reverts to variable, at which point you can re-fix or switch. Note: breaking a fixed loan early can carry significant costs.
Ask us about fixed loansStrengths
- Repayments won’t change
- Protected from rate rises
- Easy to budget precisely
Trade-offs
- Miss rate falls during fixed period
- Limited extra repayments
- Significant break costs possible
- No offset account generally
Split Loan
A split loan divides your borrowing between a fixed and a variable portion — in whatever ratio suits you. You gain some certainty from the fixed component while retaining flexibility on the variable portion: extra repayments are still possible, and you’ll benefit from any rate reductions on that half. A practical middle ground for borrowers who want both stability and optionality.
Ask us about split loansStrengths
- Balances certainty and flexibility
- Extra repayments on variable portion
- Benefits from rate drops
Trade-offs
- Break costs on fixed portion
- Slightly more complex to manage
Interest Only Loan
Repayments cover only the interest — not the principal — for a set period, usually one to five years. This produces lower monthly repayments and is popular with property investors, since interest on investment loans is generally tax-deductible. After the interest-only period, full principal and interest repayments begin. We’ll model the impact before you commit.
Ask us about interest-only loansStrengths
- Lower repayments initially
- Interest may be tax-deductible
- Improves investment cash flow
Trade-offs
- Debt doesn’t reduce during IO period
- Higher total cost overall
- Repayments increase significantly afterwards
Line of Credit
An approved borrowing limit secured against your property, which you can draw on and repay flexibly. Many borrowers deposit their salary directly into the account, reducing the balance daily and lowering interest charges. Well suited to disciplined borrowers managing variable costs — investors or staged renovators. Without careful management, balances can drift upward.
Ask us about lines of creditStrengths
- Maximum access to funds
- Salary offset reduces daily interest
- Simplified single-account banking
Trade-offs
- Higher interest rate than standard loans
- Debt can grow without discipline
- Not suitable for all borrower profiles
Low Doc Loan
Designed for self-employed borrowers whose income is difficult to verify through standard payslips. Borrowers typically self-certify income or provide alternatives such as BAS statements. Because the lender carries more perceived risk, rates are higher and a larger deposit is usually required. We’ll help you assess whether a low doc loan is genuinely the right fit or whether a better option exists.
Ask us about low doc loansStrengths
- Accessible for self-employed
- Less income documentation needed
- Access to finance not otherwise available
Trade-offs
- Higher interest rate
- Larger deposit typically required
- Fewer lenders offer this product
Free resources
Get informed before you decide
Three practical guides with no obligation, no jargon — just useful information to help you make better decisions.
01Guide
Investing in Property
Loan structures, negative gearing, depreciation, choosing the right lender, and building a portfolio for the long term — all in plain English.
Download free →02Guide
Refinancing Your Home Loan
How to tell if your loan is still competitive, what to look for in a new deal, how to compare options, and what the switching process involves.
Download free →03Guide
First Home Buyer’s Guide
Borrowing power, the WA First Home Owner Grant, stamp duty, deposits and inspections — everything a first home buyer needs to know.
Download free →Document checklist
What to bring to your appointment
Having documents ready helps us move quickly. Here’s what most lenders require — we’ll confirm exactly what applies to your situation.
Identification
- Current passport or birth certificate
- Driver’s licence (plus marriage certificate if applicable)
- Medicare card, credit card, or rates notice
Income & Employment
- Two most recent payslips showing year-to-date figures
- Most recent group certificate or PAYG summary
- Last 2 years tax returns if self-employed
- Rental statements or dividend proof if applicable
For Refinancing
- Existing loan details including any exit penalties
- Last 6 months statements for all current loans
- Current council rates notice and building insurance
- Last 6 months credit card statements
For First Home Buyers
- Last 6 months savings and investment statements
- Contract of sale if already exchanged
- Most recent credit card statement
- Statutory declaration if receiving gifted funds
For Investors
- Rental income evidence or current tenancy lease
- Council rates notice for existing investment properties
- Property manager’s rental estimate for new purchase
- Last 6 months savings history
For Construction Loans
- Builder’s fixed-price tender with full specifications
- Council-approved plans and permits
- Last 6 months savings statements
- Evidence of any additional fund sources
Nothing. Jackwell Finance charges zero broker fees. We’re paid a commission by the lender once your loan settles — at no cost to you. We disclose all commissions fully and transparently, as required by law, and we’re happy to explain the numbers in full.
Most lenders look for between 5% and 20% of the property value. With less than 20%, you’ll generally need to pay Lender’s Mortgage Insurance (LMI) or use a family guarantor. First home buyers in WA may also qualify for the First Home Owner Grant and stamp duty concessions. We’ll walk you through your specific options.
From application to settlement, refinancing typically takes 2–4 weeks, depending on the lender and how quickly your documentation is ready. We manage the process and keep in regular contact with the lender to make sure things move efficiently.
Yes. Eligible buyers purchasing or building a new home in WA may qualify for the First Home Owner Grant. Conditions apply around property type, value caps, and residency requirements. Contact us and we’ll help determine your eligibility and how to apply.
Yes, if you have sufficient equity. Rolling higher-interest debt into your home loan can significantly reduce monthly outgoings. However, you’re extending the repayment term, so it’s important to understand the full picture. We’ll model the numbers honestly before recommending anything.
Pre-approval means a lender has assessed your finances and indicated they’d likely lend up to a certain amount, subject to finding a suitable property. Full approval is granted once a specific property has been valued and assessed by the lender. Pre-approval puts you in a stronger position when making offers and helps you buy with confidence.
We recommend reviewing every 2–3 years, or whenever your circumstances change significantly. The lending market evolves constantly — a loan that was competitive when you took it out may no longer be. We offer free ongoing loan reviews for all our clients, with no obligation to act.
Ready to find a loan that actually works for you? Let’s talk.
Free consultation. No obligation. We’ll come to you — home, office, or wherever suits. Day, evening, or weekend.
PO Box 68, Claremont WA 6910 · ACL 389087