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 Baldivis files including PPOR upgrades, investment lending and development finance.
Mortgage Broker · Baldivis 6171
Family & First Home Loans, Baldivis
Baldivis is family and first home buyer gold, 46 km south of Perth. New estates like Settlers Hills and The Rivergums drive the growth. House-and-land packages stack up cleanly under Keystart caps and the First Home Guarantee. Central Lending Solutions writes construction loans in Baldivis most weeks.
- 6171 postcode
- H&L + FHB
- 307+ 5.0★
- Keystart accredited
ACL 497 950
MFAA Member
Baldivis construction weekly
The Baldivis buyer
New estates, first homes, family upsizes.
Baldivis sits 46 km south of the Perth CBD, on the outer edge of the southern growth corridor. The Baldivis Shopping Centre off Safety Bay Road anchors the suburb, and Baldivis Secondary College feeds the family catchment. Development is dominated by master-planned estates like Settlers Hills, The Rivergums and Emerald Park, so the housing stock skews new, standardised, and priced for first home buyers and upsizing families.
The loan work here is house-and-land packages, construction loans, and first home buyer files. Almost every buyer is eligible for at least one government scheme (First Home Owner Grant, stamp duty concession, First Home Guarantee, or Keystart), and stacking them right can cut $10,000 to $25,000 off the true cost of the home. Get the sequence wrong and you leave money on the table.
The other buyer group is the upsize from Rockingham or an older suburb like Waikiki, moving into a larger family block. That is usually a straight PPOR file with a bridge or a clean settlement. We run all three every week.
How we help
House-and-land in Baldivis without the traps.
House-and-land package finance
H&L in Baldivis is two contracts: a land purchase and a build contract. The finance runs in two stages: land settlement first, then progressive construction draws through the build. Lenders differ hugely on how they treat this. Some assess serviceability twice. Others require a fixed-price builder's contract before land settlement. We map the whole path before you sign.
Keystart, First Home Guarantee and the FHOG
For eligible first home buyers, the $10,000 First Home Owner Grant applies to new-build (which almost every Baldivis first-home file is), stamp duty is often waived entirely under the concession, and either Keystart or the First Home Guarantee handles the low-deposit angle. Stacking these three correctly is worth $20K-plus in cash and forgone LMI.
Family upsizers from Rockingham and Warnbro
For families moving up from an older Rockingham or Warnbro property into a larger Baldivis home, we structure a bridge or a simultaneous settlement, and time the file around school start dates. Same-day settlement in Baldivis needs a lender who moves quickly and a broker who chases the file.
By the numbers
Baldivis lending snapshot.
| Detail | Baldivis |
|---|---|
| Typical FHB loan | $450K to $650K |
| Typical family upsize loan | $550K to $850K |
| Postcode | 6171 |
| Distance to Perth CBD | About 46 km south |
| Common buyer | First home buyers on H&L, upsizing families |
| Suits | Construction lenders, Keystart, First Home Guarantee |
Near: Settlers Hills · The Rivergums · Emerald Park · Baldivis Shopping Centre · Baldivis Secondary College.
Servicing from
129 Hasler Road, Osborne Park WA 6017.
Common questions
Baldivis mortgage broker FAQs.
How does a house-and-land loan actually work in Baldivis?
Two contracts, two-stage finance. Land settles first, and interest kicks in on the land loan. When the builder's contract signs and council approvals land, construction finance activates. The lender pays the builder in progressive draws at slab, frame, lock-up, fixing and completion. You pay interest only on what has been drawn.
Can I use the $10,000 First Home Owner Grant on a Baldivis new-build?
Yes, if it is a genuine new-build (not a resale of a recent build), the property is under the WA FHOG cap, and you meet the buyer eligibility (first-time buyer, moving in, etc). Baldivis H&L packages almost always qualify. We check the specifics of your contract to confirm.
What about the First Home Guarantee in Baldivis?
The First Home Guarantee is a federal program that lets eligible first home buyers buy with a 5 percent deposit and no LMI, capped at a per-year quota. Baldivis prices sit inside the WA regional price cap. If Keystart and the FHG both fit, we compare true cost of the loan across both.
Are construction loans harder than a normal home loan?
The paperwork is heavier because the lender needs the builder's contract, council approvals, and to release payments in stages. It is not harder if you have a broker who runs construction files weekly. We do. We manage the progress draws with the builder so you don't get stuck chasing the bank at slab stage.
Can I include stamp duty in the Baldivis loan?
Sometimes. Some lenders let you capitalise up to 5 percent of stamp duty and fees onto the loan if the LVR still fits their policy. For most Baldivis FHB files, stamp duty is either concessional or fully waived under the WA concession, so it is a smaller line than it sounds. We model it in your borrowing power.
Do I need to come into your Osborne Park office?
No. Most Baldivis clients run their whole file by phone, WhatsApp and email. We come south for signings when it makes sense, but most people prefer the convenience. The office is at 129 Hasler Road, Osborne Park, if you want to visit.
Your local broker
Talk to a named Baldivis 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 Baldivis 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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Related
Nearby suburbs we cover.
Here to help
Baldivis first home or upsize, run the numbers first.
A free 20-minute chat. We map the Keystart / First Home Guarantee / H&L path side by side so you pick the cheapest one.
- $1.2B+ settled
- 307+ 5.0★
- ACL 497 950
