Perth Mortgage loan Broker

amazing service and excellent results – minus the hassle.

Daniel Niederberger perth mortgage loan broker

Looking for One of the best mortgage loan broker perth has to offer? 

Base Home Loans is a Perth mortgage loan broker focused on delivering personalised home loan results for clients. If you searched for “best mortgage broker Perth”, you’re well on your way to experiencing the industry-leading service enjoyed by our existing clients.

As an independent mortgage loan broker in Perth, we are committed to chasing down the finance solutions that are going to work best for you, regardless of what stage you’re at. We can help you achieve your goals, whether that’s by buying your first home, getting finance for your business, or building your dream home.

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What can we Help you with?

From figuring out how much you can borrow, to how much deposit you’ll need, navigating the First Home Owner Grant, or even setting up a Guarantor Loan, we can walk you through the whole process and make it easy. You can read more about First Home Buyer Finance here.

Your home loan is an incredibly important part of your life to get right. We’re here to make sure that your mortgage is a good fit for every life stage. While it can become an easy thing to forget, revisiting your home loan every so often is an important way for you to make sure you’re maximising your savings and achieving your financial and property goals quicker. If you need an equity loan, you want to add an offset account or a redraw facility, or just make sure you’re getting the cheapest home loan interest rate, we can take care of all of it. It’s easier than you think we promise.

If you’re buying your first investment property or your seventh, we – as your mortgage loan broker – can help to manage your entire home loan portfolio and make sure all loans are performing as well as your properties. We can organise valuations and liaise with real estate and settlement agents as per our standard process, and collaborate with you on finance solutions you might not have thought were possible.

For when you’re needing someone with tenacity to understand the whole picture and come up with creative development finance solutions.

Guarantor loans are a way for parents to support their children to buy a home without requiring a cash deposit contribution.
It can often seem like the most logical solution for parents with property equity to help their children to purchase their first home. While it can be a fairly straightforward process, there is an element of risk involved and it is important for both parties to understand how guarantor loans work and what their obligations are. You can learn more about Guarantor Loans here or call Daniel for a 5 minute discovery call. As an experienced home loan mortgage broker, we can guide you through the process and make it easy.

Whether you’re a business that needs help funding your commercial property or equipment, we’re here to help. We also specialise in helping self employed borrowers get approved.

A reverse mortgage enables homeowners over the age of 60 to access their home equity to fund retirement income, make home repairs or renovations, gift family members with money for a deposit or education, cover medical or dental fees or simply set up a contingency fund without having to downsize and leave the home you love.



While we understand it can seem like a daunting concept, it can be a great solution for mature aged citizens to enjoy some financial freedom and achieve their goals. You can read more about reverse mortgages here or call one of Perth’s best mortgage broker for a quick chat.

We cut our teeth in the finance industry by doing car loans at some of Perth’s flagship dealerships, so we know a thing or two about car loans, how to get you the best deal, common mistakes that people make when sourcing vehicle finance and how the car loan relates to your home loan and the rest of your liabilities. Whether it’s for private or business use, we can help with all of your car loan needs.

Whether you’re a small business looking to scale, or a larger set up that requires funding for your next big project, we can help with any business loans big or small, and again – can advise on what, if any, impact business lending will have on your individual debt position. As business owners ourselves, we understand the in’s and out’s, the complications and the nuances of operating a business.

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Get in touch with us today with your question

to us, you’re more than a number.

We believe your mortgage isn’t about numbers as much as it is about your personal goals, life-changing decisions and the relationships that shape our path. 

We see it as an honour and a privilege to be allowed into the lives of our clients each and everyday, we understand that your home loan is about so much more than application forms and the transfer of money.

One thing that’s always top of mind for us here at Base Home Loans is our point of difference and why people choose to use us as their mortgage broker over going direct to the bank. Time and time again it just comes back to making peoples lives easier. Taking the time to listen and problem solving. Seeing people as uniquely brilliant and worthy of reaching their goals. Celebrating our human-ness that cannot be outperformed or made redundant by AI and technology.

The favourite thing about our job as a Perth mortgage broker is making people feel valued, even if their situation seems difficult or problematic. Remember, we’ve got over 80 lenders on our panel, so we’ve more than likely got an idea or two that you can’t possibly get from any google search!

Read more ways that a mortgage broker can help you.

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we specialise in Personalised home loan solutions

Base Home Loans is a Perth mortgage broker focused on delivering personalised home loan results for clients. If you searched for “best Perth mortgage broker”, you’re well on your way to experiencing the industry-leading service enjoyed by our existing clients. 

If you need an experienced Perth mortgage broker to stand by you and guide you through the home loan application process, some new ideas on how you can consolidate wealth, or you just want the best interest rate possible, Base Home Loans specialises tailoring home loan solutions to your unique situation and circumstances with patience and compassion.

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We’ll guide you through the entire process step by step

We liaise with real estate agents and settlement agents on your behalf, to save time and streamline your property purchase. We are likely to know exactly what is happening with your loan at any given moment through the application process and beyond.

Using a broker gives you access to a huge range of lenders

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 home loan ptions to choose from. Additionally, if Plan A doesn’t work, we will always have a Plan B to fall back on. We have access to over 80 lenders on our panel, which equates to thousands of home loan options and ideas that we can draw on outside of the usual big banks.

We treat you as a real person, not just a number

Mortgage Brokers grow their business on referrals and realise the value of customer service, the people at the bank are on a salary and if you don’t fit into their mould, they are unlikely to care. Sorry, it’s true.

Daniel Niederberger – Perth Mortgage Broker

Having helped hundreds of West Australians find the right information and home loan solution, Base Home Loans has grown a stable of loyal clients, who appreciate the down-to-earth and approachable philosophy behind the brand.

Founded by award-winning mortgage broker, Daniel Niederberger, Base Home Loans is an independent Perth mortgage broker epitomising the core principles of respect, integrity and trust. Together with his wife Bianca, he has put his heart and soul into becoming one of Perth’s best independent mortgage brokers Perth, by going above and beyond for clients wherever possible.

As a finalist and a winner for a multitude of industry awards and accolades, including the NAB Broker Achievement Award Western Australia 2015 (MFAA Awards for Excellence) and the Customer Service (Individual) Award (The Adviser Better Business Awards 2015).

Daniel attributes his success to first hand experience and exposure to the property and finance industries from a young age. Owning three investment properties by the time he was 25, Daniel says he learnt a lot about the process and himself along the way.

“I made mistakes and I probably got ripped off a few times, but I learnt invaluable lessons every time I bought or sold a property – things I’m now able to share with my clients,” he said. “I think my point of difference is a philosophy of adding value for my clients and going above and beyond whenever I can. I love that everyone I meet has their own unique story and every deal I do has it’s own little challenges.”

At the forefront of an industry which is always changing and evolving, Daniel is dedicated to the constant pursuit of knowledge as he strives to be at the top of his game for the sake of his clients.

“I’m grateful that I get to do what I love and, hopefully, make a difference in peoples lives by helping them to achieve their own financial goals.”

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Award winning Perth mortgage loan broker, Daniel Niederberger

Daniel Niederberger, Director & Mortgage Broker, Base Home Loans

Mortgage Broker FAQ’s

What does a mortgage broker do?

A mortgage broker is a person who deals with banks or other lenders to arrange a home loan. Mortgage brokers must act in your best interests when suggesting a loan for you. Here’s some more FAQ’s to explain how mortgage loan brokers work.

Generally speaking, mortgage brokers don’t 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. 

There’s many different reasons that people choose to use a mortgage loan broker rather than dealing directly with their lender. 
Here’s a few of the more obvious reasons that people choose to use the services of a mortgage loan broker:
• Expertise and an unbiased point of view on your situation and available options
• Be treated like a real person not a metric or KPI
• Always have direct access to your mortgage broker for convenience
• We’ll guide you through the process step by step 
• Reduces margin for error and delays
• Access to a huge range of lenders and products

Read more reasons why to use a broker over the bank here

A mortgage, otherwise known as a home loan, is an amount of money lent to a borrower or borrowers by a bank or other loan provider, for the purpose of purchasing a property.

The mortgage details the terms of the borrowing agreement including the life of the home loan, the repayment schedule and type (principal plus interest or interest only) and whether the home loan will be based on a fixed interest rate term or a variable interest rate. 

A home loan is typically secured against the value of the purchase property. This means that if a borrower falls behind in their repayments or is otherwise unable to pay the loan back (defaults), the lender may seek to sell the property in order to settle the debt.

You can browse our mortgage loan broker Information page for more specific information regarding your situation, or simply send us your question via the form here or on our contact page.

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Is it time to Check your Interest rate?

If it’s been a while since you checked on your home loan interest rate, or you’re wondering how much money you could be saving, check out our free rate tracker tool today!

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