In Mortgage & Finance Services

In Mortgage & Finance Services Our Vision:
“To be the first choice for trusted, professional and knowledgeable financial solution

Please note our company's page is required to comply with Australia's Advertising Standards, any content placed on this page that is untrue, false or misleading will be removed.

Could your home loan be working harder for your family?With the cost of living continuing to put pressure on household b...
03/09/2026

Could your home loan be working harder for your family?

With the cost of living continuing to put pressure on household budgets, refinancing your home loan could be a strategy worth considering.

And when you work with a mortgage broker, you don't have to navigate your options alone.

At IMFS, we'll review your current situation, understand your goals and work with our extensive network of lenders to find a home loan that suits your needs - both now and into the future.

While reducing your repayments may be your number one goal, refinancing could also help you:
✅ Consolidate high-interest debt
✅ Free up monthly cashflow
✅ Access equity for renovations or other major expenses
✅ Potentially reduce your interest rate
✅ Restructure your loan to better suit your current circumstances

And our mortgage broking service is at no cost to you.

If you're wondering whether refinancing could put you in a better position, let's take a look at your situation.

Contact IMFS today for a review of your home loan and financial goals.

📞 (08) 9228 1000
📧 [email protected]
🌐 www.imfs.com.au/

Spring is just around the corner and it’s traditionally the time of year when the property market starts to pick up pace...
20/08/2026

Spring is just around the corner and it’s traditionally the time of year when the property market starts to pick up pace.

We see more properties come to market, more buyers start looking and competition can increase.

That’s why being finance ready before you start seriously house hunting can make all the difference.

Getting your finances sorted early means you can:
✔️ Know your borrowing capacity
✔️ Understand your budget
✔️ Be ready to make an offer when the right property comes along
✔️ Avoid missing out while you’re still waiting for finance approval

If buying a home is on your plans this spring, now is the time to get your finance in order.

Have a chat with the friendly IMFS team and take the first step towards being ready when opportunity knocks.

www.imfs.com.au

“Should I fix my home loan rate?” It’s one of the biggest questions facing homeowners right now.With interest rates cont...
06/08/2026

“Should I fix my home loan rate?”

It’s one of the biggest questions facing homeowners right now.

With interest rates continuing to influence household budgets, many homeowners are wondering whether locking in certainty is the right move - or if flexibility is more important.

A few factors to consider before making a call on what to do:

💡Can your budget handle changing repayments?
If you’re feeling the pinch and want to budget with confidence, fixed rates provide repayment certainty and make it easier to plan your finances.

💡How long do you plan to keep the loan?
If you're thinking of selling, refinancing or making major changes soon, a fixed rate may not be the best fit and you could incur break costs if you end the loan early.

💡Would a split loan suit you?
Some borrowers choose to fix part of their loan while keeping the remainder variable to balance certainty and flexibility.

💡Do you want – or currently have – an offset account?
Fixed-rate loans can limit features like offset accounts, which may be valuable if you want to use your savings to reduce the interest you pay while keeping access to your money.

There's no one-size-fits-all answer when it comes to interest rates. Whether you're considering a fixed, variable or split loan, the team at IMFS can help you understand your options and find a solution tailored to your needs – with no cost to you.

https://imfs.com.au/

Sometimes the biggest win isn't buying another property. It's making the most of the ones you already own.When our clien...
23/07/2026

Sometimes the biggest win isn't buying another property. It's making the most of the ones you already own.

When our client came to IMFS, he'd spent 15 months trying to restructure his home and investment loans without success. Frustrated by the process and sceptical that anyone could help, he was ready for a fresh approach.

After taking the time to assess his situation and understand his goals, our team developed a strategy for our client that delivered real results.

✅ His family home was separated from his investment properties, giving him greater financial security and flexibility.
✅ His investment loans were restructured with improved terms including interest-only repayments.
✅ His cash flow improved by around $1,800 per month, allowing him to fast-track his home loan and aim to pay it off five years earlier than planned.

For our client it wasn't just about refinancing; it was about creating a finance structure that supported his long-term investment goals.

Whether you're buying your first home or growing a property portfolio, the right lending strategy - and broking team - can make all the difference.

We're here to help. Head to our website to learn more about our services and to get in touch.

www.imfs.com.au

With Perth's median house price now above $1 million, it's understandable that many home buyers are unsure about their o...
09/07/2026

With Perth's median house price now above $1 million, it's understandable that many home buyers are unsure about their options.

But before you start scrolling through listings, it's important to know exactly where you stand – so you'll be in the best possible position to buy when you find the right property.

Our top three tips for Western Australians looking to buy a home:

✔️ Get pre-approval before you start looking - This will give you a clear budget and put you in a stronger position to make an offer when the time is right.
✔️ Don't assume you know your borrowing capacity - Lending policies change and so do personal circumstances. A review could reveal opportunities you didn't realise were available.
✔️ Review your deposit options - You may not need as large a deposit as you think, and there could be government schemes or lender options available to help eligible buyers.

Check your borrowing capacity by booking a review with the friendly IMFS team.

https://imfs.com.au/

Could an apartment be your way into Perth’s property market?Let's face it, buying a home isn't getting any cheaper.With ...
26/06/2026

Could an apartment be your way into Perth’s property market?

Let's face it, buying a home isn't getting any cheaper.

With rising property prices, higher living costs and inflation continuing to put pressure on household budgets, many buyers are rethinking what their first property should look like.

For many Western Australians, an apartment is becoming a popular stepping stone into the property market. A few reasons why this is the case:

✅ Lower purchase prices compared to standard housing
✅ Less money needed for a deposit
✅ More affordable loan repayments
✅ Prime locations closer to work, transport, cafes and lifestyle amenities
✅ The opportunity to start the home ownership journey sooner rather than waiting years to save for a house

Long before property became an investment, it was shelter. We understand the Australian dream of owning your own home endures because the need for safety, stability, and a place to belong is deeply important to us all.

Of course, apartment finance can be a little different from financing a house. Factors such as apartment size, building type and location can impact your lending options.

That's where IMFS can help.

Whether you're a first-home buyer, investor, downsizing to simplify your current living arrangement, or just looking for a more affordable way to enter the market - we're here to help you find the right finance solution.

https://imfs.com.au/

09/06/2026

Budget changed the rules around investment property?

The 2026 Federal Budget has property investors second-guessing their next move.

Negative gearing changes on established homes. A shake-up to capital gains tax from 2027. The headlines are loud... but headlines don't know your numbers.

Before you worry about what it means for your future investment property purchase, focus on the one factor that truly influences your decisions: your borrowing capacity.

The team at IMFS will sit down with you, look at your real position, crunch some numbers and help you understand your available options - no panic, no jargon.

Clarity beats guesswork, every time. Visit our website to start a conversation with IMFS today.

https://imfs.com.au/contact/

**Information is general only and doesn't constitute tax or financial advice.

28/05/2026

This recent review from Bella, a long-term client of IMFS, really resonated with us.

What stood out most was that each time Bella engaged us, she worked with a different member of our team - yet her experience remained consistently positive.

That consistency is something we’re incredibly proud of at IMFS. No matter who our clients work with, they can expect the same level of care, communication and commitment throughout their journey.

When you work with IMFS, you’re not just benefiting from the expertise of one experienced broker. You’re backed by an entire team working together to ensure no stone is left unturned and the best possible outcome is achieved.

If you’re thinking about your next property move, our team is here to help make the process simpler, clearer and less stressful - every step of the way.

🏡 Client Success Story 🏡 Not every home loan journey fits the “standard” checklist.One of our self-employed clients was ...
14/05/2026

🏡 Client Success Story 🏡

Not every home loan journey fits the “standard” checklist.

One of our self-employed clients was ready to buy a home but had only been trading for eight months. Despite strong finances, several banks told him he’d need to wait until his ABN reached 18 months before applying.

That’s when IMFS stepped in – and instead of stopping there, we looked at the bigger picture.

By building a strong application around his industry experience, assets, low business overheads and supporting documentation, we were able to secure approval through a specialist lender - helping him purchase sooner rather than later.

Even better, we’ve already mapped out a pathway to refinance to a mainstream lender down the track for a more competitive rate.

Sometimes the answer isn’t “no” - it’s finding the right lender and the right strategy.

If you’re self-employed and unsure where you stand, we’re here to help.

https://imfs.com.au/

Stronger businesses start with the right financial foundations.Many small business challenges - such as managing fluctua...
30/04/2026

Stronger businesses start with the right financial foundations.

Many small business challenges - such as managing fluctuations in business revenue, tax obligations or adapting to the tightening of ATO rules around late payments - are far easier to navigate when the right advice and structure are in place early.

That’s why having the right support network matters.

At In Mortgage & Finance Services (IMFS), we work collaboratively with business owners and their trusted financial partners - including accountants - to help ensure finance decisions align with broader business goals.

Too often, business owners only seek support once pressure has already built. But with proactive planning, many of these situations can be managed with far less stress… or avoided altogether.

At IMFS, we work with business owners early in their journey to help structure the right finance and lending options, supporting long-term stability and success.

If you’re reviewing finance options for your business, speak with IMFS - trusted specialists in business finance.

https://imfs.com.au/

Address

Suite 6, 9 Cleaver Street
West Perth, WA
6005

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61892281000

Website

Alerts

Be the first to know and let us send you an email when In Mortgage & Finance Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to In Mortgage & Finance Services:

Shortcuts

Share

Category