Jagdish Karnavat - Reliance Home Loans Perth

Jagdish Karnavat - Reliance Home Loans Perth I'll help you get a better home or investment loan at no cost to you from dozens of major lending in

Hello, I'm Jag Karnavat, your local Mortgage Australia Broker. Getting your next home loan with me will be faster and easier - and you'll end up with a much better home loan. Just like the hundreds of other people I have already helped.

•I am a Certified Professional Accountant (CPA).

•I have been working in Finance and Accounting
industry since 2006.

•My qualifications include a Master of Accounting and Certificate IV in Mortgage Broking and .

•Rest easy in the knowledge that I am part of the country's largest broking company that organises 1 of every 10 home loans in Australia every month.

•Experience the convenience of state-of-the-art technology to objectively compare around 1,350 of the latest financial products from 31 lenders, including the Big 4 Banks.

•Work with someone who is truly committed to the residents of Caversham – I both live and work here.

•I am a Member of the Finance Brokers Association of Australia and the Credit Ombudsman Services Limited (M0033040).

•Authorised Credit Representative #484800 under ASIC regulated Australian Credit Licence 377294.

•Professional Indemnity Insurance against any claims up to $20,000,000. When your home loan is completed you will receive a short customer satisfaction survey that will be received by our head office to ensure I'm always meeting the highest standards of customer service. Whether you’re a first home buyer or an experienced homeowner or property investor, you need finance that is specifically suited to your needs. In Caversham and surrounding suburbs, I am nearby and ready to help. If you’re looking to buy a home for your family, invest in the property market, take out finance to build a new house, obtain a reverse mortgage or anything in between, my years of experience and industry relationships will help to streamline the process. When you need a mortgage broker in Caversham or nearby, using a mortgage broker like myself will reduce the time, energy and frustration spent searching for home finance. With thousands of loan options, finding the right loan can be an overwhelming task for any mortgage borrowers. I will work to save your valuable time and take the stress our of your next home loan application. By utilising a local mortgage broker's knowledge and experience, you can ensure the loan you settle on will not only provide you with the funds you need, but fit your lifestyle. Everyone is different and this holds true when it comes to obtaining finance. If you’re looking for a better home loan, your local mortgage broker in Caversham can help with a traditional home purchase, or if you’re seeking a professional to assist you with a specialised loan, I can help. In addition to traditional home loans, I also specialise in:
- Low doc loans
- Construction loans
- Investment loans
- Refinances
- Debt consolidations
- Commercial loans
- Personal Loans
- Vehicle and Equipment Finance

As a local Mortgage Australia Broker, maintaining a great reputation in my home suburb of Caversham is crucial to the continued success of my business and my standing in my own community. If you are looking for a mortgage broker in Caversham or nearby suburbs, call me today or send me a message through the form to the right of your screen, so I can help you find the home loan option that most suits your needs.

𝐍𝐨𝐭 𝐡𝐚𝐯𝐢𝐧𝐠 𝐚 𝟐𝟎% 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐢𝐬𝐧'𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐚 𝐝𝐞𝐚𝐥𝐛𝐫𝐞𝐚𝐤𝐞𝐫.Plenty of buyers delay their plans because they're waiting to reach ...
15/09/2026

𝐍𝐨𝐭 𝐡𝐚𝐯𝐢𝐧𝐠 𝐚 𝟐𝟎% 𝐝𝐞𝐩𝐨𝐬𝐢𝐭 𝐢𝐬𝐧'𝐭 𝐚𝐥𝐰𝐚𝐲𝐬 𝐚 𝐝𝐞𝐚𝐥𝐛𝐫𝐞𝐚𝐤𝐞𝐫.

Plenty of buyers delay their plans because they're waiting to reach 20 percent. Depending on your circumstances, you may have more options than you think.

Four ways buyers are getting in with less:

✅ Lenders Mortgage Insurance, which lets you buy sooner with a smaller deposit
✅ Government support schemes, subject to eligibility criteria
✅ A family guarantee using a parent's property as additional security
✅ Professional or industry-specific lending policies offered by some lenders

Each option has its own costs, conditions and trade-offs, and the right one depends entirely on your situation.

Still saving? Let's look at what's actually available to you right now.

📞 0433 886 820

🌐 www.reliancehomefinance.com.au

How to avoid getting stuck in the borrower's 'land of confusion':Comparing the true cost of a loan can be a lot more com...
15/09/2026

How to avoid getting stuck in the borrower's 'land of confusion':

Comparing the true cost of a loan can be a lot more complicated than it seems.

Comparison Rates are one way of comparing loans, but it doesn't always provide a complete picture of the total cost of the loan.

Make a mistake and you could pay thousands more in interest than you should.

To avoid this, have a look at this short guide - "Land of Confusion".https://www.mortgageaustralia.com.au/email/files/landofconfusion.pdf

Your Perfect Match - How to find a loan that keeps you warm at night.Do you find that you're usually attracted to the sa...
15/09/2026

Your Perfect Match - How to find a loan that keeps you warm at night.

Do you find that you're usually attracted to the same type of person? We all have a mental image of our perfect mate - some people are even lucky enough to wake up next to that person each day.

Just as the dating market can be tricky to navigate, it's easy to miss the signs and find yourself attracted to the wrong home loan.

To help you find a loan that loves you unconditionally, here is a quick run-down of the different types available.

Basic Loan

The basic home loan usually doesn't have a lot of fees. What you see is what you get. Usually you get a low interest rate, but you don't get much else. If you want some features, and flexibility this might not be the match made in heaven.

Introductory Rate loan

Otherwise known as a 'Honeymoon loan' this one is a bit like some new relationships. You get a really good deal at the beginning, and everyone is happy. After a year or two the honeymoon is over, and you find out what the loan will really cost you.

A good option if you want to keep your repayments down in the beginning - but make sure you investigate the interest rate that you will be charged after the introductory period.

Standard Variable rate loan

For those who want to be able to pick and choose their features, the standard variable rate loan could be your perfect mate. You generally get a low interest rate, but the flexibility to select some options that suit your needs.

Low-doc Loan

A low-doc loan is a good alternative for Self-Employed borrowers who are often unlucky in love when it comes to finding their ideal mortgage.

Low-doc loans allow you to use different methods of proving your income. The rules are usually a little less restrictive - but you will pay a much higher rate.

On top of this - most lenders require self-employed borrowers to contribute a 20% deposit, and cover all upfront costs such as Stamp Duty and Lenders Mortgage Insurance (LMI). This is a good option for people who don't have any other options.

100% home loan

Also known as a 'No-deposit' loan, this one allows you to borrow 100% of the purchase price. Don't be fooled though - this is not a free ride.

Most lender still require you to save a 3% deposit to cover the LMI, and you'll also need to make sure that you have enough left over to cover stamp duty, moving costs and conveyancing - and any other associated costs.

Sometimes these loans are available, sometimes they are not, it depends on the current lending environment - but it never hurts to ask.

𝐂𝐡𝐞𝐜𝐤 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐫𝐞𝐩𝐨𝐫𝐭 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐚𝐩𝐩𝐥𝐲.Most people only look at their credit report after an application runs into tr...
14/09/2026

𝐂𝐡𝐞𝐜𝐤 𝐲𝐨𝐮𝐫 𝐜𝐫𝐞𝐝𝐢𝐭 𝐫𝐞𝐩𝐨𝐫𝐭 𝐛𝐞𝐟𝐨𝐫𝐞 𝐲𝐨𝐮 𝐚𝐩𝐩𝐥𝐲.

Most people only look at their credit report after an application runs into trouble. By then, the surprises have already cost time.

Worth reviewing before your next move:

✅ Old accounts that are still showing as open
✅ Enquiries you don't recognise
✅ Missed payments you may have forgotten about
✅ Incorrect details that can simply be corrected

A healthy credit report can improve your chances of a smoother loan application, and small issues are usually much easier to fix before an application is lodged than after.

Speak with Reliance Finance & Home Loans before making your next move.

📞 0433 886 820

🌐 www.reliancehomefinance.com.au

𝐂𝐥𝐢𝐞𝐧𝐭 𝐓𝐞𝐬𝐭𝐢𝐦𝐨𝐧𝐢𝐚𝐥"Thank you for all your help throughout our home loan journey. You were always available to answer our...
13/09/2026

𝐂𝐥𝐢𝐞𝐧𝐭 𝐓𝐞𝐬𝐭𝐢𝐦𝐨𝐧𝐢𝐚𝐥

"Thank you for all your help throughout our home loan journey. You were always available to answer our questions, explained everything clearly, and worked hard to find the best option for us. We truly appreciate your support and would happily recommend you to family and friends."

🡲 Praptiba Mahida ⭐⭐⭐⭐⭐

Being recommended to family and friends is the highest compliment in this industry. It means the experience was good enough to put your own name behind.

At Reliance Finance & Home Loans, every client is supported with clear answers, genuine availability, and the patience to find the option that actually suits them.

💬 Jagdish Karnavat

📞 0433 886 820

🌐 www.reliancehomefinance.com.au

You're a parent whose grown up kids want to buy their first home. And because you want the best for them, you probably a...
13/09/2026

You're a parent whose grown up kids want to buy their first home. And because you want the best for them, you probably also want to ensure that they get the correct advice before they sign anything.

A truer word has never been spoken.
..and I think the best start for first home buyers is to talk through their options with someone who has done it before as well as someone who is directly involved with the process every day.

If you are a parent whose children have grown up, you've probably bought a home before.

I'm helping people buy their home every day, it's my job. This means, together, we are well qualified to point your young adults in the right direction when it comes to buying their first home.

So, why don't we catch up with your kids and discuss their options together. Between us, we should be able to provide helpful advice and motivation along the way.

I provide home loans for just about everyone and every situation so why not try me out? It doesn't usually take long and the privacy act ensures our conversation is entirely confidential.

A cuppa and a chat.

It could be as simple as that.

Finally - your survival guide to a joint bank account:It's the one proposal that never appears in romantic movies. It d...
12/09/2026

Finally - your survival guide to a joint bank account:

It's the one proposal that never appears in romantic movies. It doesn't involve a big diamond, and it won't lead you down a flower-adorned aisle to the tune of 'the wind beneath my wings'. For some, it's an exciting affirmation that the relationship is becoming more serious. For others, it can be a disaster waiting to happen.

So 'what's this proposal?' you ask. It goes a little something like this...

"Honey, do you want to open a joint bank account?"

10 little words that will either melt your heart, or have it beating double time in sheer panic.

So how do you avoid joint account disaster? Is it ever a good idea to entwine your finances?

Like many other financial decisions, this one is best served with a healthy dose of discussion, and some planning. It's crucial to compare notes early on, and ensure that you're both on the same page when it comes to matters of the wallet.

Clear the air

One of the biggest relationship-killers is money. Some people feel that money is a necessary evil, something that comes and goes, pale in comparison to experiences and relationships. Other people see money as a means to achieving freedom and happiness, and have clear financial goals in mind.

You might be very compatible in many ways, but it's possible that you have very different attitudes about money. It's important to have some open discussions about your financial situation before you open a joint account.

Plan a budget

Discuss what your joint account will be used for. Many couples have a joint account for the rent and household bills, and they each deposit an agreed portion of their pay. The remainder stays in personal accounts to be used for savings, leisure or personal shopping.

It's important that both parties are clear about which expenses can be paid out of the joint account. This will avoid arguments when one party tries to pay the gas bill, only to find that their partner has withdrawn that money for a friend's birthday present.

Sharing is caring

It might be a difficult topic, but this is the time to be honest about what you have, what you owe and what you earn. If one partner earns significantly more than the other, you will need to work out whether you both deposit the same amount into the account every month.

If one partner has significant debts, it's vital to get this out in the open to avoid problems down the track.

With a bit of planning and some candid conversations, your relationship can survive the joint account challenge.

𝐘𝐨𝐮𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐦𝐚𝐲 𝐡𝐨𝐥𝐝 𝐦𝐨𝐫𝐞 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤.Equity builds quietly. Every repayment you make and every rise in...
12/09/2026

𝐘𝐨𝐮𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐦𝐚𝐲 𝐡𝐨𝐥𝐝 𝐦𝐨𝐫𝐞 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐭𝐡𝐢𝐧𝐤.

Equity builds quietly. Every repayment you make and every rise in your property's value adds to it, and most owners have more available than they realise.

What that equity could help you do:

✅ Fund a deposit on an investment property
✅ Renovate without draining your savings
✅ Consolidate higher interest debt into one facility
✅ Keep a buffer available for opportunities

Accessing equity isn't automatic. Lenders still assess your income, your commitments and your servicing position, and the right structure matters just as much as the amount.

Use equity smartly. Grow strategically.

📞 0433 886 820

🌐 www.reliancehomefinance.com.au

It's your local Mortgage Broker. Is it time to make sure eveything is as tight as it should be?Sometimes it just makes s...
12/09/2026

It's your local Mortgage Broker. Is it time to make sure eveything is as tight as it should be?

Sometimes it just makes sense to see if there is a cheaper and better way with your home loan, credit cards, store cards and car loan, in fact any kind of loan really.

And if there is a cheaper and better way, it will be different for each of us, which means it probably won't be a case of "one size fits all."

Think of it like this. We all experience events that change our lives but most of us don't give a second thought to changing the things that help us to enjoy our lives.

So if you've changed your work or your income, got married or unmarried, had some kids, bought a car or furniture, been bewildered by the "credit crunch", simply changed your aspirations or just maxed out your credit card because it was necessary at the time...it's probably worth checking to see if a restructure of your home loan, car loan and credit cards would make life a little easier and more enjoyable.

That's where I come in.

It doesn't cost anything to find out and usually only takes a few minutes to see if a bit of loan restructuring or debt consolidation would be good for you. The least I can do is point you in the right direction and the privacy act ensures our conversation is entirely confidential.

What do you think?

Got to be worth a phone call...

Alternatively, you could even just fill out this form and fax or email it to me and then I'll get back to you with some ideas.https://www.mortgageaustralia.com.au/email/files/lifeandfinanceupdate.pdf

Fixed rate home loans - are you paying a fortune for peace of mind?Are you a planner? Do you like to organise things in...
10/09/2026

Fixed rate home loans - are you paying a fortune for peace of mind?

Are you a planner? Do you like to organise things in advance, and enjoy the security of knowing what the future holds in store? Do you take a comprehensive list with you to the supermarket?

Well a fixed rate loan might be your perfect fit. Fixed rate loans are:

Great for managing a tight budget...

Fixed rate loans are an excellent option for anyone who is operating on a very tight budget. If an extra fifty dollars per week would mean choosing whether to feed your children, or put petrol in the car - this is probably the loan for you.

Great for peace of mind...

If you opt for a fixed rate loan, you will know exactly how much your repayments will be for the duration of the fixed period. Many lenders offer up to 10 years on their fixed rate loans, so this could give you substantial peace of mind.

Fixed rate loans can save you money...

If interest rates increase during the time when your rate is fixed, you will be immune. When everyone else is complaining about having to give up their daily coffee, you're safe in the knowledge that your repayments aren't going to change.

On the flipside though...

You will forfeit your chance to pay a reduced interest rate if the Reserve Bank rate is lowered. When other borrowers are enjoying a well-earned reprieve, you will still be making the same repayments. This can represent a significant cost to you if interest rates drop by half a percent or more.

Less flexibility

If you choose to fix your rate, you get security at the expense of flexibility. You probably won't be able to change the features of your loan during the fixed period, and most lenders don't allow you to make any lump-sum repayments when your rate is fixed.

It's critical that you take the time to research the different loan options available to you, and ask plenty of questions to ensure that the loan you choose is the best option for you. For many borrowers, fixed rate loans are an excellent choice to help you manage your budget and plan for the future.

Address

22 Castella Drive
Caversham, WA
6055

Opening Hours

Monday 7am - 9pm
Tuesday 7am - 9pm
Wednesday 7am - 9pm
Thursday 7am - 9pm
Friday 7am - 9pm
Saturday 7am - 5pm
Sunday 7am - 5pm

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