experience one of the best Mortgage brokers perth has to offer

Base Home Loans is a Perth mortgage broker focused on delivering exceptional home loan results no matter if you’re buying your first home, your next home, refinancing or investing. With multiple awards under our belt, it’s time you experienced the service from one of the best mortgage brokers Perth has in the line up.

i want to refinancei want to buy a home

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first home buyer relaxing on couch in new home after getting home loan approved with perth mortgage broker

find me a mortgage, but make it feel effortless

Whether you are buying your first home, second or seventh home, we are here to help guide you through the process and ensure your home loan experience is seamless and straightforward. You need one of the best mortgage brokers Perth has to offer to do all the research and negotiation on your behalf.

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woman making plans for renovations or building by refinancing home loan using perth mortgage broker

i’m ready for a change…and a better rate

Your home loan isn’t set and forget and should be reviewed regularly to ensure you receive the most competitive deal and maximise your savings. If you’re looking for the lowest interest rate, we can give you an idea of what’s possible within minutes and make the refinancing process easy and hassle-free.

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i need a loan for an investment property

We are here to work creatively and collaboratively with you to find a home loan solution that speaks to your financial goals. Our team can also assist with current market appraisals and property valuations to help you make an informed decision.

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25+ lenders gives you choice and better rates

We have relationships with over 25 different lenders, and access to hundreds of loan products, ensuring we can find you the ideal home loan option tailored to your requirements.

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Australian lender logos that we use to service our perth home loan clients

We’re available, approachable and authentic. but don’t just take our word for it.

Our goal is to exceed your expectations and finally make you feel seen and heard. As a Perth mortgage broker, we implement industry-leading home loan practices and regular interest rate reviews so you can be certain you’re always getting a competitive rate and personalised service. So if you’re looking for an award winning mortgage broker in Perth, you’ve come to the right place.

Is your Fixed Rate ending Soon? We can help.

Using a Perth mortgage broker gives you access to a huge range of lenders and home loans. Once we understand what’s important to you in terms of loan features (yes, there’s more to a loan than the interest rate!) we can present you with a range of options to choose from. It’s a good idea to be proactive and ready to change lenders or home loan products to avoid reverting to your lenders standard variable rate (which may or may not be competitive) when your fixed term expires. It’s likely that things have changed significantly since you fixed and your financial goals and plans have probably changed too.

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Older woman calling her mortgage broker to refinance while flicking through a magazine

Can we get you a better interest rate?

If it’s been a while since you reviewed your home loan interest rate, or perhaps your situation has changed, let us help with a quick, easy and obligation free check. We’re a Perth mortgage broker dedicated to helping you achieve your finance and property goals quicker.

quick home loan rate check

Why do people use a mortgage broker instead of the bank?

  • Expertise and an unbiased point of view on your situation and available options
  • To be treated like a real person – not a metric or KPI
  • A constant source of support whenever you need it
  • Reduces margin for error and delays with your home loan
  • Access to a huge range of lenders and products

Experienced. award winning. Genuine. Perth mortgage broker

My name is Daniel Niederberger. I own and run Base Home Loans as an independent family business. As a Perth mortgage broker, I’m dedicated to helping people navigate the banks and consolidate wealth for their own families. I’ve got a story, just like you. I understand that your situation is unique and I am committed to learning all about it so I can help you demystify the home loan process, and maybe even enjoy it a little bit too.

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Daniel Niederberger best mortgage broker Perth

Frequently asked questions

A mortgage broker is someone you engage to help guide you through the home loan process. They spend the time with you upfront to get an accurate picture of your home loan needs, and then they match that with the most suitable option from over hundreds of options from 50+ lenders. From there, the mortgage broker will work with you and submit the loan application on your behalf, acting as a liaison between you, the lender, the real estate agents and settlement agent, to ensure all the details are taken care of. 
A good mortgage broker will also stay in touch for years to come, ensuring that you continue to receive a competitive deal on your interest rate and the loan features are compatible with your ever changing needs.  

Generally speaking, mortgage brokers don’t usually charge a direct fee to consumers in Australia. Most mortgage brokers are paid a commission from the lender upon settlement of a loan. This is a cost incurred by the lender and does not impact the interest rate or repayments of your home loan. 

You’re looking to buy your next home, which may mean you’re selling first, or perhaps you can use some equity in your existing home to buy an investment property.
As you can imagine, there’s a lot of different scenarios. We can give you an approximate idea of how much you can borrow over the phone after you answer a few questions about your occupation, age, employment status, income, family situation, and any liabilities and expenses you have like credit cards, personal loans or a car loan. That will give you an idea of what you can comfortable afford to borrow before you start looking for a new home.  
If you’re intending to keep your home as security for purchasing an investment property, we can help to arrange a property valuation in order to ascertain the current value of your home and therefore the usable equity. 

Before you apply for a home loan, you need to be prepared with a cash deposit. The deposit covers a percentage of the purchase price, while the home loan covers the remaining amount. 
Most home loan lenders will lend up to 80% of the property value, meaning your deposit would need to be 20%. For example, a property of $400,000, would require a cash deposit of $80,000. 

In some cases, lenders will allow you to borrow up to 95% of the property’s value. So depending on the lender and the home loan product, you may be eligible to come up with a smaller deposit from as low as 5%.
However, this increases the risk associated with lending to you. If interest rates rise or you have some unexpected expenses arise, then you are a risk for defaulting on your loan repayments. To protect themselves against this increased risk, the lender will likely require you to pay what is called Lenders Mortgage Insurance if your deposit is less than 20%.
You can pay your LMI as an upfront cost or, depending on how much LMI you have to pay, you can add it to your home loan amount.

Lenders Mortgage Insurance (LMI) is a one-off, non-refundable, non-transferrable premium that’s added to your home loan. The amount you pay in LMI is calculated relative to the size of your deposit and respective loan amount. The more you contribute to the purchase price of your property, the lower the cost will be.
LMI protects the bank against any loss they may incur if you are unable to repay your loan and will generally apply to you if you are unable to contribute a 20% deposit or are not eligible for a waiver because of your profession.

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There’s no rules around how often you can refinance, it’s really up to you and if it makes financial sense. We recommend a review every 1-2 years unless there’sa compelling reason to switch things up beforehand. We do this automatically for our clients, ensuring they are always reciving a competitive rate. One thing to be aware of is that some banks have exit fees, but the savings may outweigh these costs over time so it’s very much a case by case basis which we can help you with.

There will usually be some costs associated with refinancing but they are highly variable depending on your circumstances. The costs of these different fees and whether or not they are even charged at all will depend on the lender. Using a broker will increase your chances of having some (or even all) of the fees waived. 
Of course, if you’re refinancing we would sit down with you and go through all the various scenarios and any associated costs vs savings before proceeding. 
However, it is important to understand some of the fees to be aware of and enquire about include Discharge fees, Application fees, Valuation fees, Land registration fees, Lenders Mortgage Insurance (LMI), Ongoing fees, and Break fees.

A fixed home loan is a type of mortgage loan where the interest rate remains fixed for the length of the term agreed. This is different from variable interest rate home loans, which can change as a result of market conditions and the cash rate set by the Reserve Bank of Australia (RBA).
There is no absolute right or wrong answer here, and it is very dependent on your needs and situation for the foreseeable future. 
By taking out a fixed interest home loan, a borrower may be able to avoid rising interest rates and enjoy greater financial security and stability, allowing you to budget more accurately with set mortgage repayments (for the fixed term).
However, some of the ‘cons’ of fixed rate loans include less flexibility, not impacted by rate cuts, that the term will end, and there may be break costs involved if you refinance out of the specified term. 
We can help you decide whether it is the right thing for you at this point in time by going through all your options. 

Your home equity is the difference between your property’s market value and the balance of your mortgage. If you’ve owned your home for a few years, you may have built up some equity in your property that can be leveraged for renovating your home or even purchasing an investment property.
The first step is to determine the amount of equity available in your property using the estimated market value of your home – commonly based on comparable sales within your area or a real estate agent valuation, less the balance of your current loans secured by the property.
From there you would work out how much money is required to achieve your plans. You may or may not be able to access the full amount of equity that’s available, and your servicing capability will still play a part in what’s possible. 
We can help put you in touch with real estate professionals or even organise a property valuation on your behalf to find out your current equity position.

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If you need an award winning mortgage broker to stand by you and guide you through, or a set of fresh eyes, a new perspective, or maybe just a subtle nod of encouragement that you’re on the right track, Base Home Loans specialises tailoring home loan solutions to your unique situation and circumstances with patience and compassion.