Four Wall Investments

Four Wall Investments Four Wall Investments - Phil Wall. Residential Loans | Commercial Loans | Business Loans | Investm Why use us as a mortgage broker when looking for finance?

We're finance brokers with over 35 years of experience in the banking and finance industry. We'll help navigate you through the competitive and ever-changing mortgage landscape to find the right loan for you. We'll go into bat and negotiate on your behalf, and we'll make the process as simple as possible for you, geared up to deliver fast results. We'll help you avoid the pitfalls, and we'll find

loan features to suit your personal circumstances. A mortgage broker is someone who shops around for the home loan that's right for you. Whether you're in the market for your first home or building a portfolio of investment properties, we have access to hundreds of loans from a host of Australia's leading lenders. We do the hard work for you. We make sure you get the right home loan for your circumstances and will manage the process from start to finish. When should you see us and what can you expect? You can see us at any stage in your financial journey. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you're still getting the right deal with your existing lender. You can make an obligation-free appointment with us at a time and place that suits you. We will ask about your financial circumstances and objectives to find out what's important to you in a home loan. For example, flexibility might be important because you plan to start a family or you may want ready access to equity for a rental property or renovations. Whatever your plans, we will research the market and recommend the right home loan to suit your needs. We always look for the right loan for you, not the lender.

08/06/2026

Let's bust a myth: you don't need a 20% deposit to buy your first home.

Between the 5% deposit scheme (no LMI), the $10,000 First Home Owner Grant, and the newly expanded stamp duty exemption up to $600,000, the path in is wider than it's been in years. We've helped first home buyers get into their own place with far less than they thought possible.

Stop assuming you can't. Let us show you what you actually qualify for. The conversation is free.

04/06/2026

"Should I wait for prices to drop?" It's the question we hear most. Here's the honest answer: nobody can time the market perfectly, not the experts, not the banks, not us. What we do know is that time IN the market almost always beats timing the market.

Perth values are up 26% over the past year. The people who bought 12 months ago weren't trying to pick the bottom, they just got in. The best time to buy is when you're ready and the numbers work for you. Let's see if they do. Call us.

01/06/2026

Imagine this: Saturday morning, bare feet on your own back deck, coffee in hand, kids running on the lawn. No landlord, no inspections, no rent increases.

Just yours.

Perth is one of the most liveable cities in the world and it's still more affordable than Sydney and Melbourne by a long way.

The path to owning your own home here might be closer than you think. Let's have a chat and find out where you stand. It all starts with a conversation.

26/05/2026

Seen the cash envelope method on TikTok? It actually works, and it's one of the simplest ways to fast-track your deposit savings. Here's how: label envelopes for your weekly expenses like groceries, fuel, fun, and eating out. Pull the cash at the start of the week and when the envelope is empty, it's empty. Whatever's left in your account stays untouched.

It sounds old school, but it forces you to be intentional with every dollar. Pair it with a high-interest savings account and you'd be surprised how quickly a deposit comes together. Want to know how much you actually need? Give us a call and we'll map it out for you.

21/05/2026

Rates go up. Rates come down. But owning your own home? That's forever. Every repayment you make is building equity in something that's yours. Every year that passes, your loan gets smaller and your position gets stronger.

Don't let the headlines scare you out of making the best long-term decision of your life. We're here to help you find a way in, not a reason to wait.

18/05/2026

Roy Morgan's latest data shows mortgage stress rising to 30.4% of borrowers after the recent hike, that's 1.64 million Australians. The three rate cuts from 2025 have been completely wiped out.

If your repayments are feeling tight, don't wait. A loan review costs nothing and could make a real difference.

roymorgan.com/findings/10198-mortgage-stress-risk-march-2026

14/05/2026

Even with the three rate hikes, Perth property keeps climbing. REIWA data updated and shows the median house price sitting at $900,000 with homes selling in a median of just 9 days. Listings are still 45% below the five-year average and vacancy is at 0.5%.

Supply isn't coming, and demand isn't slowing. Worth keeping an eye on if you're buying or investing.

reiwa.com.au/the-wa-market/perth-metro/

11/05/2026

First home buyer in Perth? We know the headlines are rough right now. But the fundamentals haven't changed: the First Home Guarantee Scheme still lets you buy with a 5% deposit, no LMI, and no income caps. Stack that with the $10,000 FHOG and stamp duty concessions, and the numbers might be more achievable than you think, even at 4.35%.

The key is getting your finance structured right from the start. That's exactly what we do. Give us a call!

08/05/2026

Good breakdown from Canstar on what led to this month's decision and where things might go from here. Headline inflation hit 4.6% in the year to March, the highest since 2023, driven in large part by surging energy and fuel costs from the Middle East conflict. Trimmed mean inflation is running at 3.5% on a quarterly basis, well outside the RBA's target.

If you're feeling the pinch, we can help you look at your options.

canstar.com.au/news/third-hike-to-undo-last-years-cuts/

05/05/2026

Three in a row. The RBA has just lifted the cash rate another 25 basis points to 4.35%, the third consecutive hike this year. The vote was 8 to 1, a much stronger majority than the 5-4 split we saw in March. The board flagged that higher fuel prices are now flowing through to broader costs, and warned inflation is likely to remain above target for some time.

On a $600,000 mortgage, that's roughly an extra $272 a month compared to where you were at the end of 2025. If you haven't reviewed your loan recently, now is the time. Call us!

Address

3/45 Boranup Avenue
Clarkson, WA
6030

Telephone

+61423374452

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