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Pilbara Finance

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Perth, WA
Pilbara Finance

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Pilbara Finance - Powering Aussie Dreams! Local expertise, clear advice and tailored solutions.

Professional mortgage and finance brokers helping clients across WA and the Pilbara with home loans, business lending and cash flow solutions.

15/10/2026

FIFO and DIDO workers, here is one worth sitting with for a sec 🏠

You know the mining towns better than almost any property investor out there. Up in Karratha, the likes of Pegs Creek, Millars Well and Nickol pull some of the strongest rental yields in the country. Same story in Newman and South Hedland. You already know which pockets are solid, and that is a real edge when you buy your first investment property.

After something closer to Perth? Growth suburbs like Kenwick, Maddington and Stratton are where a lot of buyers are getting a foot in at a sharper price, backing long-term growth over big weekly rent.

Different plays, both good. The income is there, the local know-how is there. Usually it is just the structure that needs sorting, and that part is on us.

Have a chat whenever you are ready.

14/10/2026

FIFO and DIDO workers, this one is for you 🛻

You earn great money. So why does it still feel scattered? Usually it is not what you earn, it is where it goes: the car, the second ute, the boat, the caravan, a card or two, all landing on different days.

There are two ways to pull it into one: a personal loan, or your home loan. The bit most people get wrong is rolling short-term debt into the mortgage and quietly paying it off for decades. Set up right, you get the low rate and still clear it fast 💪

We run both options on your real numbers, tell you straight which one suits, and handle it from there, all remotely around your swing.

Have a chat with us anytime.

11/10/2026

That's a wrap on Business Loan Week! 🎉

Six days, six guides, and one big message for WA business owners: this year has thrown a lot at you, and every bit of it is fixable.

Here's what we covered 👇

💳 ATO debt now the ATO is dropping credit cards 📊 Business loans once you hit 12 months trading 🔄 Using a line of credit for the ATO, BAS and suppliers 👷 Funding Payday Super without the cash-flow squeeze ⛏️ Finance for WA mining services businesses 🎄 What to sort before Christmas

Missed one? The full round-up and all six guides are in the comments.

And if anything this week hit close to home, let's have a chat. Whatever your business needs and whatever stage you're at, we'll talk it through, compare our 60+ lender panel and take care of the rest. 📞

Thanks to everyone who read, shared and reached out this week. We really appreciate it. 🙏

10/10/2026

Christmas is closer than you think, business owners. 🎄

And this year, the silly season comes with a few extra surprises. Here's your pre-Christmas money checklist 👇

💳 Sort a backup for the credit card. The ATO stops accepting cards after 30 November. 🏖️ Plan for the shutdown. The invoices slow down, but the bills don't. 👷 Remember Payday Super keeps going over the holidays, every pay run. 📅 Pop the summer BAS dates in the diary now, not in a January panic. ☎️ Have a chat about finance before everyone downs tools.

None of it is hard. It just needs sorting before the break, not during it.

Not sure where to start? That's what we're here for. Have a chat with us about your business and we'll help with whatever you need, whether that's a line of credit, gear, a business loan or clearing an ATO balance. Just started or been going for years, we're happy to help.

Full guide in the comments. Save this one for later and tag a business owner who needs the reminder. 😉

09/10/2026

WA's mines get the headlines. The businesses that keep them running deserve the credit. ⛏️

Drillers, earthmovers, shutdown crews, fabricators, sparkies, truckies, labour hire, camps, suppliers and every specialist in between. If your business works in or around mining, this one's for you.

We help mining services businesses with all of it 👇

🚜 Equipment, yellow gear, trucks and vehicles 🧾 Invoice finance so you're not waiting weeks to get paid 💳 Lines of credit for payday, BAS and supplier runs 📈 Business loans to take on the next big contract 🏗️ Commercial property to buy the yard or workshop

We compare our 60+ lender panel and take care of the application, so you can stay focused on the job. Brand new or long established, we work with businesses at every stage.

Full guide in the comments. Give us a call or send us a message. 📞

08/10/2026

Payday feeling tighter lately? You're definitely not imagining it. 💸

Since Payday Super kicked in, super goes out every time you pay your team instead of once a quarter. You're not paying any more than before. You're just paying a lot sooner.

That quarterly gap used to give plenty of businesses some breathing room. Now wages and super leave on the same day, whether your customers have paid you yet or not.

The good news? It's an easy fix 👇

A business line of credit covers wages and super on payday 📥 You pay it back down as your customers pay you 🧾 The same buffer can handle your BAS and ATO bills too 🤝 We compare our 60+ lender panel and handle the whole application

Brand new business or been at it for years, we help owners at every stage. Full guide in the comments. Give us a call or send us a message and we'll get payday sorted. 📞

07/10/2026

Losing the points stings. Losing the buffer doesn't have to. 💡

For years, plenty of business owners put the ATO on the card for two good reasons: the rewards points on a big tax bill, and a few weeks of breathing room before the card was due.

That's about to change. After 30 November, the ATO won't accept credit cards. Add super now being due every payday, and ATO interest you can't claim at tax time, and it's been a tough run for business owners. We get it.

Here's the good news. A business line of credit gives you that buffer back, and then some 👇

✅ Draw on it when the BAS, an ATO bill or a big supplier invoice lands 🔁 Pay it back down as your customers pay you, then use it again 🧾 Interest on business borrowing may be tax deductible (your accountant confirms it) 🤝 We compare our 60+ lender panel and take care of the application for you

Just started out or been going for years, we work with businesses at every stage. Full guide in the comments. Have a read, then give us a call or send us a message. 📞

06/10/2026

Made it through your first year in business? That deserves a proper celebration. 🎉

Twelve months of trading is one of the biggest milestones there is for your borrowing options. It is the point where far more of the lending market opens up, and here is the part most business owners don't know:

📊 Most business loans at this stage can be assessed on your business bank statements ⏳ No waiting around for your first tax return or a full set of financials 🧾 Got an ATO balance as well? It can often be paid out as part of the loan 🔧 Equipment, working capital or your next big contract, there are options for all of it

Your first year isn't something to explain away. It's a full year of proof that the work is there and the customers pay.

Whether you're a sole trader, a growing company or somewhere in between, we've got you covered. We compare our 60+ lender panel to line you up with the right fit. Grab the full guide in the comments, then give us a call or flick us a message. 📞

05/10/2026

Business owners, there is a smarter way to handle your ATO debt, and it is worth knowing about right now. 💡

Two changes have landed close together. The ATO stops accepting credit cards after 30 November, and the interest it charges on overdue tax is no longer tax deductible. Honestly, it is disappointing for small business. A lot of owners relied on that card buffer to keep cash flow moving.

Here is the good news. 👍

✅ A business loan can replace a growing ATO balance with a clear, set repayment structure 🧾 Interest on a business loan used in your business may be tax deductible (your accountant confirms it for you) 🔓 Clearing the ATO debt can take the pressure off and keep your options open

Every business is different, and lender policies on ATO debt vary a lot. That is exactly why we compare our 60+ lender panel, so you get the most efficient deal for your situation.

Whether you are a sole trader, a growing company or somewhere in between, we have got you covered. Our full guide is in the first comment. Have a read, then give us a call or send us a message for a chat. 📞

23/09/2026

First home buyers, right across WA, this one is for you, and it is real money. 🎉

Since 7 May 2026, if you are an eligible first home buyer, you pay no stamp duty on a home valued up to $600,000. Not a discount. Zero. 🙌

And here is the best bit: it is the same deal statewide. Perth, Mandurah, Bunbury, Busselton, Albany, Geraldton, Kalgoorlie, Karratha, Port Hedland, Broome, wherever home is, the threshold is the same. The old Perth versus regional split is gone.

Buying between $600,000 and $800,000? You still come out well ahead, with a concessional rate below the standard one. And established homes count, not just new builds. 🏡

There is a bonus up north too. Above the 26th parallel, the First Home Owner Grant cap is higher, so more Pilbara and Kimberley buyers can grab the $10,000 grant on a new build. 💰

Knowing your exact number, and getting the timing right, is where the saving is won. That is our job. Full guide in the first comment. 👇

Address

25/108 Street Georges Terrace
Perth, WA
6000

Opening Hours

Monday	8am - 8:30pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 4pm
Saturday	8am - 1:30pm
Sunday	8am - 1:30pm

Telephone

+61891223929

Website

http://www.pilbarafinance.com.au/

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