Jump online
Complete the online form, and we’ll get back to you to discuss your situation and your financial needs.
For all types of home loans
First home buyers
Our mortgage specialists will guide you through the options, whether you're looking for a full or low deposit home loan.
Property investors
Let our investment property mortgage brokers find a loan that suits your goals. For first-time and seasoned investors alike.
Refinancing
We can review home loan rates from a range of lenders to make sure you're getting the deal that best suits your refinancing needs.
Your best interests at heart
Independent guidance
Our home loan brokers aren’t tied to particular lenders, so we have the freedom to find the right finance for you.
Understanding your needs
We’ll talk to you about your financial needs and goals to help find the solution that best suits you, whether you’re starting out, building up or refinancing.
Local expertise
Based in West Perth, our trusted team of mortgage brokers know the local market inside and out. What’s more, our mobile lenders can come to you.
Our experience
With years of hands-on experience, our mortgage brokers have the expertise to research, negotiate and settle with confidence.
Ongoing support
Get a free annual home loan check to make sure you’re getting the loan that works best for you.
No hidden fees
Our services are free, and we’ll always be honest about any lender fees you may incur.2
How to get started
Research and recommendations
We’ll research lenders, and present the options that will best suit you.
The application process
We handle this on your behalf, right through to settlement to make sure it goes smoothly.
Staying in touch
If your situation changes or you have any questions, we’re here for you. We’ll also run a free annual home loan check.
Advice you can trust
We’re accredited by Mortgage and Finance Association of Australia (MFAA), the peak national body for mortgage and finance broking.
Frequently asked questions
What is a mortgage broker?
A mortgage broker is an intermediary who deals with banks and other lenders to arrange a home loan. We help streamline the process when you’re getting a mortgage.
Why use a mortgage broker?
Using a mortgage broker can save you time, effort and stress. Rather than doing the work yourself, you can rely on a mortgage broker to research home loan options that align with your financial needs. We provide expert recommendations, liaise with lenders and help with all the paperwork.
Questions to ask a mortgage broker?
Here’s a list of questions to help you get started:
- Does the mortgage broker have a large panel of lenders?
- Is the mortgage broker independent or are they linked to the banks?
- How do they go about finding the right loan for you?
- Do they have experience that you can trust?
- How do they get paid?
- Are they licensed with the MFAA?
- Once they present loan options, why did they recommend those loans to you?
Do mortgage brokers charge a fee?
No, our mortgage broker services are completely free. However, we generally receive a commission from the lender upon settlement of your loan. That said, our brokers work independently of any incentives or commissions. Your best interests will always be our priority and we’ll always present you with the deals that best suit your needs.2
How is using a mortgage broker different from going to a bank?
We have access to a wide range of lenders and products. Thanks to this broad network, we can search exhaustively to find loan options to suit you.
How much can I borrow?
Your mortgage broker will source key information to help determine your borrowing capacity. Your borrowing capacity and interest rate will be determined based on your income, expenses, assets and liabilities. Your borrowing capacity and rate may vary by lender, but don’t worry – we can help you calculate and review your options.
1 $200 Visa gift card available upon settlement only. Gift cards are issued on a per-property basis, not per applicant or loan account. Only one gift card will be issued for each eligible property address. No gift card will be issued where the property has been refinanced through us within 12 months of a previous settlement. Gift cards are subject to terms and conditions of use and expiry.
2 RAC Finance do not charge you a fee for our mortgage broker service. We receive a commission from the lender upon settlement of your loan..
You should consider its or the appropriateness of RAC Mortgage Broker advice, having regard to your own objectives, financial situation and needs before acting on it. Not all RAC Finance brokers offer the products of all lenders or solution providers.
Terms and conditions apply. Australian Credit Licence 387972. View useful RAC Finance documents regarding your service.