Start with confidence
Getting your first home loan in Perth means comparing lenders, working out your borrowing power, and confirming which WA and federal first home buyer grants apply to you before you make an offer. Brighton Finance handles that process from start to finish. We're not tied to one bank, so we search the market to find a loan that actually fits your deposit, income, and the property you're after, then manage the application through to settlement.
Brighton Finance is a Perth based mortgage broking business set up to make the first home buying process less overwhelming. Our focus is on doing the fundamentals properly: transparent advice, a genuine comparison across lenders, and staying with you from that first borrowing power conversation through to the day you get your keys.
Figures below reflect current WA and federal settings — always confirm exact eligibility with your broker before signing, as caps and thresholds do change.
Brighton Finance checks your eligibility against all three before you buy, and where possible, stacks the savings.
You're likely in a good position to start the process if:
If any of that doesn't quite fit yet, that's fine too. Brighton Finance can map out what you'd need to change (bigger deposit, cleared debts, longer employment history) to get loan-ready, and how long that might realistically take.
Where you buy in Perth changes two things: how far your deposit stretches, and which grants and concessions you can actually claim. Property value caps for the FHOG and stamp duty concessions mean the right strategy looks different depending on the area.
Baldivis, Byford, Ellenbrook, Alkimos, Piara Waters, Brabham, and similar new-release areas are where most first home buyers land in Perth right now. New house and land packages here typically sit well under the FHOG property cap, which means:
This is usually where Brighton Finance sees clients get the most combined value from stacking the FHOG, stamp duty concession, and First Home Guarantee together.
Midland, Armadale, Rockingham, Cockburn, Kwinana, and Gosnells offer a different trade-off: more affordable existing homes, better proximity to established infrastructure, schools, and transport, but no FHOG eligibility since the grant only applies to new or substantially renovated properties. Stamp duty concessions still apply if the purchase price sits under the relevant threshold, so there's still meaningful savings available, just not the full grant stack.
Suburbs closer to the CBD and river, or established premium pockets, are achievable for some first home buyers, particularly with a larger deposit, dual income, or family assistance. Once a property sits above the value caps for FHOG and stamp duty concessions, though, those savings drop away or reduce significantly. Buyers here are usually financing on serviceability and deposit size rather than grant eligibility, so the loan comparison matters more than the concession stack.
For buyers looking further out, including areas north of the 26th parallel, higher property value caps apply for both the FHOG and stamp duty concessions, which can open up new-build options that wouldn't qualify closer to Perth.
Wherever you're looking, Brighton Finance can tell you upfront, suburb by suburb and property by property, exactly which grants and concessions apply, so you're comparing like-for-like before you make an offer.
We talk through your income, savings, and what kind of property you're after, then give you a realistic borrowing power estimate.
We confirm which WA and federal first home buyer incentives you're eligible for.
We shortlist loan options that suit your deposit size and goals, and explain the trade-offs in plain English.
We lodge your application and get you a conditional pre-approval, so you can make offers with confidence.
Once you've got a property under contract, we finalise the loan with the lender.
We coordinate with your conveyancer/solicitor and the lender to make sure grant applications and settlement funds line up, and you get your keys.
Common questions
With the First Home Guarantee, eligible buyers can purchase with as little as a 5% deposit and avoid Lenders Mortgage Insurance. Without the scheme, most lenders require a minimum 5–10% deposit, though a 20% deposit avoids LMI altogether.
You're generally eligible if you're an Australian citizen or permanent resident, you and your co-applicant have never owned property in Australia before, you're buying or building a new home, and the property falls under the current value cap. Brighton Finance confirms your exact eligibility as part of the initial consultation.
Borrowing power depends on your income, expenses, existing debts, deposit size, and the lender's serviceability calculations. Brighton Finance provides a free, personalised borrowing power estimate before you start house hunting.
No. Brighton Finance is paid a commission by the lender once your loan settles, so there's no fee charged to you for a standard home loan application.
Pre-approval typically takes a few business days once your documents are submitted, though timing varies by lender. We manage the paperwork to keep the process moving.
Yes. Eligible first home buyers can generally combine the FHOG, stamp duty concessions, and the First Home Guarantee, depending on the property type and value. Brighton Finance checks how these stack for your specific situation.
Not sure where to start? A short, no obligation call is often enough to tell you whether you're loan-ready now or what to work on first.
Mortgage brokers must act in a consumer's best interests when providing credit assistance. Credit assistance is subject to lender criteria, verification and approval.
