Dave Phelan
Director, Mortgage Broker
20+ yrs · $700M+ settled · Australia's Top 100 Brokers ×3 · MFAA
Co-founder, based at the Osborne Park office. Runs complex Applecross files including PPOR upgrades, investment lending and development finance.
Mortgage Broker · Applecross 6153
Home Loan Broker for Applecross, Perth
Applecross is a blue-chip riverside pocket 8 km south of the CBD, and it is where our team runs some of our largest owner-occupier files. The suburb catchment for Applecross Senior High School keeps established professional families anchored here, so loan sizes over $1.5 million are routine. Central Lending Solutions is based in Osborne Park, 20 minutes north, and we settle Applecross homes every month.
- 6153 postcode
- $1.5M+ typical file
- 307+ 5.0★
- here since 2015
ACL 497 950
MFAA Member
Applecross files monthly
The Applecross buyer
Why Applecross loans are their own beast.
Applecross is a blue-chip riverside pocket 8 km south of the Perth CBD. Established professional families dominate, drawn by the Applecross Senior High School catchment (public, but priced like a private zone) and the walk to Riseley Village on Riseley Street. Loan sizes are big, files are complex, and lenders look at borrower quality as hard as they look at security.
The house stock skews to substantial family homes on quarter-acre blocks, plus a river strip along Canning Beach Road and Kishorn Road that trades at a premium. There is a smaller apartment market on Riseley Street and a strand of townhouses feeding off Ardross Street. We run the same file differently across those three, because lender appetite splits.
The buyer profile matters. Applecross is heavy on executive income, self-employed professionals, business owners with add-back income, and multi-property holders. A big-four scorecard often misses the true picture, so we bring the right non-major to the table when it makes sense, and we prepare the file so a full-doc lender still gets to a yes.
How we work Applecross
Executive lending, done properly.
PPOR upgrades in the school catchment
Most Applecross files we settle are established families upgrading inside the Applecross Senior High School catchment. That usually means bridging finance from an existing home in Applecross, Ardross or Mount Pleasant, an offset structure on the new loan, and a settlement timed around the school year. We line up two lender options so you have a fallback if valuation comes in shy of contract.
Self-employed and add-back income
Business owners and directors are common here. We prepare an income pack that reads clearly for the credit assessor: two years of BAS, add-back explanations, trust and company structures mapped out, and a clean serviceability model. Lenders that reward strong income and clean assets, like Macquarie and ING, often price better than a scorecard-driven major.
River strip and heritage overlay
Homes along Canning Beach Road, Kishorn Road and the Wireless Hill fringe carry view premiums, and some sit under a heritage overlay. We flag which lenders accept the valuation risk and which will insist on a full valuation before pre-approval, so the deal does not stall a fortnight before settlement.
By the numbers
Applecross lending snapshot.
| Detail | Applecross |
|---|---|
| Typical loan size | $1.2M to $2.5M |
| Postcode | 6153 |
| Distance to Perth CBD | About 8 km south |
| Common buyer | Established professional families, executives, upgraders |
| Suits | Full-doc majors, Macquarie, ING, private lending for complex files |
| School catchment lift | Applecross SHS drives premium pricing |
Near: Riseley Village · Applecross Senior High · Wireless Hill Park · Canning Beach Road · Kishorn Road.
Servicing from
129 Hasler Road, Osborne Park WA 6017.
Common questions
Applecross mortgage broker FAQs.
Do I need a specialist mortgage broker for Applecross?
Not required, but it helps. Applecross loans skew large, incomes skew complex, and school catchment timing matters. A broker who has run dozens of Applecross files knows which lenders price sharpest at $1.5M-plus with self-employed income, and which will move fast enough for a school-year settlement.
How much can I borrow with an executive salary in Applecross?
Borrowing power on executive income depends on how the lender treats bonuses, share vesting, RSUs and director drawings. Some lenders count only base, others count 80 percent of a two-year bonus average. We model borrowing power across four to six lenders in a free chat so you know the ceiling before you offer.
Can you handle bridging finance if I already own in Applecross?
Yes. Bridging inside Applecross is bread and butter for us, typically with a 6 to 12-month bridge while the existing home lists and sells. We structure the peak debt inside serviceability and plan the settlement dates so you are not carrying two mortgages any longer than needed.
Which lenders like Applecross apartments?
The Riseley Street apartment stock and the newer townhouses off Ardross Street are treated reasonably by most lenders, but some restrict LVR for smaller floor plates. We check the specific building against lender policy before we submit, so the valuation lands where it needs to.
Do you work with clients who bought at auction in Applecross?
Yes. Applecross auctions are common. We push for a strong pre-approval up front so you can bid with confidence, and we hold a second lender option ready if the auction price runs above the first lender's serviceability. Ring us before you register.
Is Central Lending Solutions based in Applecross?
Our office is at 129 Hasler Road, Osborne Park, roughly 20 minutes north via the Kwinana Freeway. Most Applecross clients meet us by phone or Zoom for the first chat. We do drive south for signings and site visits when it makes sense.
Your local broker
Talk to a named Applecross broker.
Harj Dhillon
Director, Mortgage Broker
10+ yrs · $500M+ settled · MFAA member
Home loans, investment lending and refinancing for hundreds of Perth families, including regular Applecross buyers.
Perth clients
What clients say.
The team at Central Lending Solutions were fantastic from start to finish. Clear communication, no surprises, and they found us a lender who understood what we were trying to do when the first bank we spoke to had said no. Cannot recommend highly enough.
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- $1.2B+ settled
- 307+ 5.0★
- ACL 497 950
