Pilbara Finance

Pilbara Finance 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.

You run your own business. BAS is lodged, the account looks good, and you have found the place.Then the bank goes: "Come...
03/09/2026

You run your own business. BAS is lodged, the account looks good, and you have found the place.

Then the bank goes: "Come back when your tax returns are done." 🙄

We hear that one every week. It is the wrong answer to a good file.

A tax return is one way to show your income. Not the only way. ASIC's own lending guide lists what else a lender can use, and you have already got it 👇

✅ Your lodged BAS
✅ Your business bank statements
✅ A letter from your accountant
✅ Your ABN and GST history

Quick reality check on tax returns. Lodge yourself and it is due 31 October. Through an agent, later. So "two years of returns" can mean paperwork from 26 months ago. Your BAS is due every quarter. One of those is the current picture. 📈

That is a low doc home loan. Costs a bit more, and most people use it as a bridge: get in now, move to a standard loan once the returns land.

The guide has the lot, sourced to ASIC, the ATO and Moneysmart. Link in the first comment 👇

Sound like you? Send us a message. How long has the ABN been going, is BAS up to date. Two answers, and we will tell you which door is open. 🙋

🏡 "I'm years away from buying." We hear it every week from people in their twenties and thirties. Then we run the number...
01/09/2026

🏡 "I'm years away from buying." We hear it every week from people in their twenties and thirties. Then we run the numbers and the answer is usually months.

Two schemes changed the maths for first home buyers in WA 👇

1️⃣ Keystart. 2 per cent deposit, no lenders mortgage insurance, buy established or build new. Your income and the price need to sit under Keystart's limits, and you check the live figure on the day.

2️⃣ The Australian Government's 5% Deposit Scheme. 5 per cent deposit, no lenders mortgage insurance, and since October 2025 no income cap and no limit on places. Price caps of $850,000 in Perth and $600,000 in the rest of WA (https://na2.hubs.ly/H07x2mw0, checked 31 August 2026).

What that looks like on a $600,000 home: $12,000 down with Keystart, $30,000 with the scheme. Either way, no LMI. ✅

And the duty changed too. As a first home buyer you pay no transfer duty on a home up to $600,000, then $16.15 per $100 up to $800,000 (RevenueWA, 27 August 2026). Buy or build new under $800,000 and there is a $10,000 grant on top. 💰

Which one fits you comes down to what you earn, what you are buying, and where. The guide lays both out side by side, with a cost table on three real WA purchases and three worked examples: a nurse in Rockingham, a couple in Ellenbrook, and a FIFO worker who owned before.

Link in the first comment 👇

🙋 Want to know which door is yours? Message us your income, your savings and roughly what you want to buy. We will tell you straight.

🏡 Bought your WA home a few years back? Chances are it has done more work than your savings account.Perth's median house...
01/09/2026

🏡 Bought your WA home a few years back? Chances are it has done more work than your savings account.

Perth's median house price is $950,000 on REIWA's data to July 2026. That growth is equity, and equity can be the deposit on an investment property. No second deposit to save.

The maths, in one line 👇

📐 80 per cent of your home's value, minus what you owe, is the usable equity most lenders work from. Some release more, depending on your circumstances.

On a $950,000 home with $450,000 owing, that is $310,000 to work with.

🔑 The equity covers the deposit and costs. A separate loan on the investment property covers the rest.

Two things worth getting right from day one 👇

1️⃣ Equity is one test. Income is the other. Both loans get assessed together, and lenders do this differently, which is where the panel matters.

2️⃣ Split, don't top up. The ATO's own examples show the interest is deductible when the borrowed money buys the rental, and that a mixed-purpose loan has to be apportioned every year for its life. One split, one purpose, one clean line at tax time. ✅

2026 moved the goalposts too. Three rate rises. APRA's cap on high debt-to-income lending from February. Negative gearing limited to new builds from 1 July 2027 for properties bought after 12 May 2026. All in the guide, sourced and dated to the RBA, APRA and the ATO, with a table showing four loan structures side by side.

Link in the first comment 👇

🙋 Want your usable equity number? DM us your rough home value and loan balance.

🚛 Got the ABN. Got the work booked out. Got the truck picked. Good news: you're closer than you think.Subbies get truck ...
31/08/2026

🚛 Got the ABN. Got the work booked out. Got the truck picked. Good news: you're closer than you think.

Subbies get truck loans without full financials every week in WA. It's not the exception. It's how most owner-drivers finance their gear.

The lenders who write these loans read what you've already built:

🧾 Your ABN. 24 months and you're in the strong zone. 6 to 24 months, real options. Under 6, still a couple.
📈 GST registration. Lenders like to see 12 months of it.
🏦 3 to 6 months of business bank statements with client payments landing.
📋 Lodged BAS.
🚚 The truck itself. Late model, common make, dealer-sold.

That's it. Your invoices are your financials. The truck is the security. 💪

And two wins your accountant will like 👇

💰 A truck is a commercial vehicle. The ATO car limit ($69,883 for 2026-27) that caps the GST credit on a ute at $6,353 does NOT apply. Full GST credit on the truck.

✅ The $20,000 instant asset write-off is now permanent (law from 27 August 2026). Trailer, tarps, toolboxes under $20k each: written off straight away.

We've put it all in one guide. Two clear tables, the 7 steps to a clean file, and the facts sourced straight from the ATO. Link's in the first comment 👇

🙋 Quick one: how long has your ABN been going? Drop it in the comments and we'll tell you where that puts you.

Does a HECS debt stop you buying your first home? No. And most of what you've read about HECS and borrowing power is out...
30/08/2026

Does a HECS debt stop you buying your first home? No. And most of what you've read about HECS and borrowing power is out of date.

Four things changed in 2025, all now in force:

The repayment threshold jumped from $54,435 to $67,000, and it's $69,528 for 2026-27. Repayments went marginal. You pay 15 cents per dollar over the threshold, not a flat percentage of your whole income. Every balance was cut by 20% on 1 June 2025. From 30 September 2025 the regulator told lenders they can leave HECS out of the assessment entirely when it'll be paid off within about a year.

What that looks like on $85,000: HECS repayment was $3,825 a year under the old rules. It's $2,321 now. Your HECS "expense" on a home loan application dropped $1,500 a year and you didn't lift a finger.

And here's the part that matters most. Lenders have taken up the new flexibility unevenly. Some now ignore HECS if you're a year from clearing it. One ignores small balances altogether. Others still deduct the full repayment. Same borrower, same HECS, tens of thousands of dollars of difference in borrowing power depending on the lender.

Should you pay HECS off before applying? Usually not. Deposit dollars beat HECS dollars. The guide explains why.

Full guide in the first comment: the real 2026-27 numbers, a table of what HECS actually costs at each income, and the five steps from here.

Can you buy a house in Perth while working in the Pilbara? Yes. And living in camp is not the reason to wait. It's the r...
29/08/2026

Can you buy a house in Perth while working in the Pilbara? Yes. And living in camp is not the reason to wait. It's the reason you can afford to move now.

Lenders assess where you earn, not where you sleep. Permanent roster income plus camp accommodation is a savings rate most Perth renters can only dream about. The real question is which lane:

Home you live in on your swing off. 5% deposit, no LMI, no income cap under the Australian Government scheme. On a new build, add the $10,000 grant and zero stamp duty on land up to $450,000.

Investment you rent out while you stay on site. Perth median rent is $750 a week and vacancy is around 2%. The lender counts most of that rent as income.

Two things changed in 2026 and both matter. Negative gearing on established property ends from 1 July 2027 for anything bought after Budget night; new builds keep it. And Perth's median house price reached $938,000 in June, with REIWA calling $1 million by year end.

One more, and most people get it wrong: buying a Perth investment first does not cost you the WA grant or duty concession on a home later. It only costs you the federal 5% scheme. Price that trade before you decide.

Full guide in the first comment: both lanes side by side, what lenders check, and how to buy from site.

Can a first home buyer get a house and land package loan? Yes. And in WA in 2026, building is not the expensive option a...
28/08/2026

Can a first home buyer get a house and land package loan? Yes. And in WA in 2026, building is not the expensive option any more. It's the supported one.
Here's what's on the table right now:

$10,000 First Home Owner Grant on new homes up to $800,000. Zero stamp duty on vacant land up to $450,000. That's up to $15,390 saved. 5% deposit with no lenders mortgage insurance under the Australian Government scheme, no income caps, house and land packages included. Or a 2% deposit through Keystart if you fit its limits.

Real Perth example: $400,000 block, $330,000 build. Deposit $36,500 instead of $146,000. Stamp duty $0. Grant $10,000 back. That's the difference between saving for five more years and pouring a slab this spring.

The loan itself is simpler than people think: land settles, the build is paid in stages, and you pay interest only on what's drawn while you're still renting. Then it turns into a normal home loan the day you get the keys.

Full guide in the first comment: how it works, how the support stacks, what to watch for, and the five steps to approval.

Can you get a home loan with an ATO payment plan? Yes. And for a lot of business owners, the plan is the thing that gets...
27/08/2026

Can you get a home loan with an ATO payment plan? Yes. And for a lot of business owners, the plan is the thing that gets the loan done, not the thing that stops it.

Here is how lenders actually read it:

Lodgements current? That comes first. A lender cannot assess income it cannot see. Plan in place and paid on time? That is the evidence. Six months of clean instalments carries the argument. Loan still services with the instalment counted? Then some lenders will write it with the plan running.

And the 2026 twist: the ATO's interest charge is now 11.43% a year, compounding daily, and it has not been tax deductible since 1 July 2025. If you have equity, clearing the debt into the home loan often costs less than carrying it, and it takes the tax debt off your file completely.

Tax debt happens to good businesses. A slow quarter, a client who paid late, a growth spurt that ate the BAS money. What lenders reward is the owner who saw it, made a plan with the ATO, and kept it.

Full guide in the first comment: what lenders check, which lenders say yes, and the five steps from here.

Two weeks on, one week off, and a bank that looks at your payslip like it's written in another language. Sound familiar?...
26/08/2026

Two weeks on, one week off, and a bank that looks at your payslip like it's written in another language. Sound familiar?

Here is the truth about a 2 and 1 roster: it is not the obstacle. It is the engine. Mining tops the national earnings tables, a permanent roster reads like any other stable job, and living on site means you save harder than almost anyone on the same money.

The real game is which lender reads your payslip. Some count your site allowance, loadings and overtime in full. Others quietly shade a five-figure slice of your income out of existence. Same payslips, different lender, six-figure difference in borrowing power.

Our new guide covers:

- How lenders read every layer of a roster pay packet
- The four documents that make your income count in full
- The paths for casual, labour hire, and new-to-the-roster workers

Link in the comments. Read it on your next swing.

Most people spend more time choosing a fridge than choosing a mortgage broker. Then they wonder why the loan feels off.T...
25/08/2026

Most people spend more time choosing a fridge than choosing a mortgage broker. Then they wonder why the loan feels off.

The fix is knowing what to ask in the first conversation. We have written the ten questions that do the job, including:

- How many lenders are actually on your panel, and which ones can you not access?

- Do you know which lenders restrict my postcode?

- How do you assess FIFO and roster income?

- What happens if my application gets knocked back?

And for every question, what a good answer sounds like, so you know it when you hear it. Ask these of any broker. Ask them of us.

Link in the comments.

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

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