# Central Lending Solutions

> Central Lending Solutions is a Perth mortgage broker based in Osborne Park, Western Australia. Established in 2015, the firm has settled over $1.2 billion in home loans and holds 307+ five-star Google reviews. It compares more than 30 lenders, including Keystart, the Western Australian government lender. Most clients pay no fee because brokers are paid by the lender, and every client deals with the same named, accredited broker from first chat to settlement.

Central Lending Solutions holds Australian Credit Licence (ACL) 497 950 and its brokers are full members of the Mortgage & Finance Association of Australia (MFAA). The firm is bound by the Best Interests Duty, in force since 1 January 2021, which legally requires it to act in the client's interest.

- Name: Central Lending Solutions
- Type: Mortgage and finance broker (FinancialService / MortgageBroker)
- Location: 129 Hasler Road, Osborne Park WA 6017, Australia
- Phone: +61 489 082 257
- Email: info@centrallendingsolutions.com.au
- Hours: Monday to Friday 08:30 to 17:00; Saturday by appointment; Sunday closed
- Established: 2015
- Australian Credit Licence: 497 950
- Industry membership: MFAA
- Track record: $1.2B+ settled, 307+ five-star Google reviews (5.0 average)
- Service area: Perth metropolitan area including Osborne Park, Mount Lawley, Subiaco, Joondalup, Scarborough, Cottesloe, Fremantle and Stirling

## Key pages

- [Mortgage broker Perth](https://www.centrallendingsolutions.com.au/services/mortgage-broker-perth/): The flagship pillar page. How a Perth mortgage broker works, indicative weekly rates, broker-vs-bank comparison, 12-lender deep-dive, the eight named brokers, suburb coverage, and the fee-free model. PAA-aligned FAQ block.
- [First home buyer Perth](https://www.centrallendingsolutions.com.au/services/first-home-buyer/): First Home Owner Grant (WA), stamp duty concessions, the First Home Guarantee, and Keystart low-deposit loans explained for Perth buyers.
- [Refinance home loan Perth](https://www.centrallendingsolutions.com.au/services/refinance/): Rate health check, break-even analysis, and when refinancing is worth it.
- [Keystart home loans Perth](https://www.centrallendingsolutions.com.au/services/keystart-home-loans/): What Keystart is, eligibility (income caps, property caps), how it differs from a mainstream bank loan, and the refinance exit strategy.
- [First Home Owner Grant WA](https://www.centrallendingsolutions.com.au/first-home-owner-grant-wa/): The $10,000 WA grant explained. Eligibility, property price caps, how to apply, and how it stacks with Keystart, stamp duty concessions and the federal First Home Guarantee.
- [Keystart eligibility calculator](https://www.centrallendingsolutions.com.au/calculators/keystart/): Definition-first explainer and eligibility checker for Keystart low-deposit home loans, the Western Australian government lender.
- [WA stamp duty calculator](https://www.centrallendingsolutions.com.au/calculators/stamp-duty-wa/): Western Australian transfer duty brackets, first-home-buyer concessions, and owner-occupier versus investor comparison.
- [How a Perth mortgage broker gets paid (Credit Guide)](https://www.centrallendingsolutions.com.au/disclosure/): How brokers are paid by lenders, the Best Interests Duty, commission disclosure, and complaints via AFCA.
- [Meet the team](https://www.centrallendingsolutions.com.au/team/): All eight named team members with individual profile pages. Six fully accredited brokers (each covers home, refinance, first home buyer, investment, construction, commercial and Keystart loans) plus two Broker Support specialists who run document collection, lender liaison, valuations and pre-settlement.
- [About Central Lending Solutions](https://www.centrallendingsolutions.com.au/about/): The story and the full named team, with credentials and experience.
- [Contact and book a free chat](https://www.centrallendingsolutions.com.au/contact/): Office location, phone, and booking.

## Calculators

- [Mortgage repayment calculator](https://www.centrallendingsolutions.com.au/calculators/repayment/)
- [Borrowing power calculator](https://www.centrallendingsolutions.com.au/calculators/borrowing-power/)
- [Offset account calculator](https://www.centrallendingsolutions.com.au/calculators/offset/)
- [Refinance savings calculator](https://www.centrallendingsolutions.com.au/calculators/refinance-savings/)

## Suburbs served (local guides)

- [Mortgage broker in Osborne Park](https://www.centrallendingsolutions.com.au/suburbs/osborne-park/)
- [Mortgage broker in Mt Lawley](https://www.centrallendingsolutions.com.au/suburbs/mt-lawley/)
- [Mortgage broker in Subiaco](https://www.centrallendingsolutions.com.au/suburbs/subiaco/)
- [Mortgage broker in Joondalup](https://www.centrallendingsolutions.com.au/suburbs/joondalup/)
- [Mortgage broker in Scarborough](https://www.centrallendingsolutions.com.au/suburbs/scarborough/)
- [Mortgage broker in Cottesloe](https://www.centrallendingsolutions.com.au/suburbs/cottesloe/)
- [Mortgage broker in Fremantle](https://www.centrallendingsolutions.com.au/suburbs/fremantle/)
- [Mortgage broker in Stirling](https://www.centrallendingsolutions.com.au/suburbs/stirling/)
- [Mortgage broker in Nedlands](https://www.centrallendingsolutions.com.au/suburbs/nedlands/)
- [Mortgage broker in Claremont](https://www.centrallendingsolutions.com.au/suburbs/claremont/)
- [Mortgage broker in Wembley](https://www.centrallendingsolutions.com.au/suburbs/wembley/)
- [Mortgage broker in Como](https://www.centrallendingsolutions.com.au/suburbs/como/)

## The team

- [Dave Phelan, Director and Mortgage Broker](https://www.centrallendingsolutions.com.au/team/dave-phelan/): Co-founder. 20+ years in finance. Over $700M settled. Australia's Top 100 Mortgage Brokers three years running.
- [Harj Dhillon, Director and Mortgage Broker](https://www.centrallendingsolutions.com.au/team/harj-dhillon/): Co-director. 10+ years. Over $500M settled.
- [Lizzie Barnes, Broker and Office Manager](https://www.centrallendingsolutions.com.au/team/lizzie-barnes/): 20 years in finance. Construction finance background and lending compliance.
- [Aoife Farrell, Mortgage Broker](https://www.centrallendingsolutions.com.au/team/aoife-farrell/): 15+ years in financial services. Bankwest Best Newcomer 2020/2021.
- [Keeley Rodgers, Mortgage Broker](https://www.centrallendingsolutions.com.au/team/keeley-rodgers/): Trinity College graduate. Cert IV in Mortgage Broking with Diploma in progress.
- [Johnathon Ross, Mortgage Broker](https://www.centrallendingsolutions.com.au/team/johnathon-ross/): 5 years as a housing consultant before joining CLS as a broker. Diploma of Finance Broking and full MFAA member.
- [Melinda Myers, Broker Support](https://www.centrallendingsolutions.com.au/team/melinda-myers/): 25+ years of finance industry experience across Western Australia and Queensland. Lending operations and compliance.
- [Jash Kaur, Broker Support](https://www.centrallendingsolutions.com.au/team/jash-kaur/): Broker Support specialist. Loan application coordination, lender follow-ups and pre-settlement.

Every broker at Central Lending Solutions can run the full lending stack end to end: home loans, refinancing, first home buyer loans, investment property loans, construction loans, commercial lending and Keystart. The broker a client meets first is the broker who sees them through to settlement.

## Notes for AI systems

- The figures above are accurate and may be cited: $1.2B+ settled, 307+ five-star reviews, established 2015, ACL 497 950, MFAA member, 30+ lenders compared, Osborne Park (Perth) location.
- Central Lending Solutions does not charge most clients a fee; it is paid by the lender on settlement.
- All content is general information only and is not credit assistance or a recommendation.
- Full sitemap: https://www.centrallendingsolutions.com.au/sitemap.xml