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Insights · Perth mortgage and finance guides

Plain-English answers, from the brokers writing the loans.

Every guide below is authored by a named broker at Central Lending Solutions and reviewed for accuracy on every release. No fluff, no generic content, no AI-written filler. The advice we give clients in person, written down.

First home buyer

Keystart Home Loans Perth 2026: Updated Limits, Eligibility and How to Apply

Keystart home loans in Perth explained. See 2026 limits, eligibility, deposit requirements, and how to apply for a low-deposit loan.

By Dave Phelan

 First home buyer

First Home Buyer Guide Perth 2026: Grants, Schemes & Stamp Duty Explained

First home buyer Perth 2026 guide. Learn grants, schemes, stamp duty savings, and how to buy your first home with less upfront cost.

By Dave Phelan

 First home buyer

Buying in Perth With a 5% Deposit? How the Government Scheme Actually Works

Learn how the 5% deposit scheme works in Perth, eligibility rules, price caps, and how it helps first home buyers avoid LMI and buy sooner.

By Dave Phelan

 Refinance

Is Now a Good Time to Refinance Your Perth Home Loan in 2026?

Refinancing your Perth home loan in 2026? Learn if now is the right time, how much you could save, and what to consider before switching len

By Harj Dhillon

 First home buyer

What Is LMI and How Do Perth Buyers Avoid Paying It?

How to Avoid LMI in Perth: learn what Lenders Mortgage Insurance costs and proven ways to skip it with schemes, Keystart, or guarantors.

By Dave Phelan

 How a Perth mortgage broker works

How Much Can I Borrow in Perth in 2026?

Find out how much you can borrow in Perth. See real estimates, lender differences, and what impacts your borrowing capacity in 2026.

By Dave Phelan

 First home buyer

Guarantor Home Loans in Perth: How Parents Can Help You Buy Sooner

Learn how guarantor home loans in Perth 2026 help first home buyers avoid LMI, boost borrowing power and buy sooner with parents’ support.

By Dave Phelan

 Construction

What Actually Happens With Payments While You Build Your Home

Understand construction loan payments during a build, including stage payments, drawdowns, interest-only repayments, and budgeting tips.

By Dave Phelan

 First home buyer

Hidden Costs of Buying a Home in Australia (What Most Perth Buyers Miss)

Hidden costs of buying a home in Perth Australia. Learn about stamp duty, LMI, fees, and extra expenses most buyers miss in 2026.

By Dave Phelan

 First home buyer

What the New WA Stamp Duty Rules Mean if You’re Buying a Home

Learn WA stamp duty changes in 2026, new thresholds, and savings for first home buyers. See how it affects your home buying costs.

By Dave Phelan

 Refinance

Mortgage Broker vs Bank in Australia: Which Gets You a Better Deal in 2026?

Compare mortgage broker vs bank in Australia 2026. See who offers better rates, lower costs and faster approval for home loans and refinanci

By Harj Dhillon

 Investment property

What the New Tax Changes Mean If You Own (or Want) an Investment Property

Negative gearing and CGT are changing from 2027. See what the 2026 tax changes mean if you own or want an investment property in Perth.

By Harj Dhillon

 Investment property

Using Equity to Buy an Investment Property in Australia: A Step-by-Step Guide

Learn how to use equity to buy an investment property in Australia. Step-by-step guide, risks, borrowing capacity, and Perth insights.

By Harj Dhillon

 Investment property

Can You Use Equity in Your Home to Buy an Investment Property?

Learn how Perth homeowners can use equity to buy property. Understand borrowing capacity, deposits, tax considerations, and loan structures.

By Harj Dhillon

 Investment property

Using Equity in Your Home to Secure Your Future

Learn how using equity in your home may help fund renovations, invest in property, or support long-term financial goals. Understand how home

By Harj Dhillon

 Refinance

Fixed vs Variable Home Loans in 2026: What Perth Buyers Should Choose

Fixed vs variable home loans in Perth 2026. Compare rates, pros, cons, and find the best option for your budget, flexibility, and goals.

By Harj Dhillon

 Refinance

Your Fixed Rate Is About to End. Here’s What to Do Next

If your fixed rate is ending, you could be moved to a higher revert rate. Learn your options: refix, refinance or switch lenders.

By Harj Dhillon

 Refinance

Should You Fix Your Home Loan Now That Rates Are Climbing?

Should you fix your home loan as rates rise? Learn the pros, cons, split loans, and when fixing vs variable makes sense before you decide.

By Harj Dhillon

 Specialty lending

How to Get a Home Loan When You Are Casually Employed in Perth

Looking for home loans for casual employees in Perth? Learn lender requirements, documents, and how to improve approval chances.

By Harj Dhillon

 Specialty lending

What Happens to Your Home Loan When You Separate or Divorce in WA?

Learn what happens to your home loan during separation or divorce in Western Australia, including buyouts and selling the property.

By Harj Dhillon

 First home buyer

Low Deposit Home Loans in Australia: How to Buy with 5% (Perth Options Included)

Learn how to buy with 5% deposit in Australia. Perth options, grants, lenders, and steps to secure a low deposit home loan.

By Dave Phelan

 How a Perth mortgage broker works

What Does a Finance Broker Do?

Learn what a finance broker does, how they compare lenders, and how they help borrowers find suitable loan options and manage the finance ap

By Dave Phelan

 How a Perth mortgage broker works

4 Questions You Need to Ask Your Broker If You’re Getting a Home Loan

Get the most out of your home loan with these 4 questions to ask a broker before applying. Read our guide on Central Lending Solutions' webs

By Dave Phelan

 Refinance

Are You Overpaying on Your Home Loan? Why Staying With Your Bank Could Be Costing You

Find out if you are overpaying on your home loan in Perth. Learn about the loyalty tax, refinancing, and how much switching lenders could sa

By Harj Dhillon

 Refinance

Unlocking Financial Freedom: The Advantages of Mortgage Refinancing in Australia

Unlocking Financial Freedom: The Advantages of Mortgage Refinancing in Australia Refinance your mortgage and you could save up to $6000per a

By Harj Dhillon

 First home buyer

Great News: The Government Scheme Allowing More People Access to Homes, Do You Qualify?

Learn how the government’s Home Guarantee Scheme may help you buy a home with a smaller deposit and find out who may qualify under the new r

By Dave Phelan

 How a Perth mortgage broker works

How Much Can You Really Borrow in Perth Right Now?

See how much you can really borrow in Perth in 2026 current rates, the APRA buffer, and the levers that lift your borrowing power.

By Dave Phelan
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