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In Mortgage & Finance Services

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West Perth, WA
In Mortgage & Finance Services

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Our Vision:
“To be the first choice for trusted, professional and knowledgeable financial solution

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08/10/2026

Want to engage a broker to refinance your current home loan, help you to purchase your first property or provide advice for your next move?

Having the right information ready can help make your meeting, and the overall process, smoother and faster!

While documentation depends on individual circumstances and the lender, your broker may ask you to provide information such as:

✅ Recent payslips or evidence of income
✅ Bank statements
✅ Details of your regular living expenses
✅ Information about existing loans, credit cards and other liabilities
✅ Identification documents
✅ Details of your savings and other assets
✅ For a property purchase, information relating to the property or contract of sale

If you’re self-employed, you may also need to provide business financial statements and tax returns.

You don’t need to have everything figured out before speaking with IMFS, but starting the conversation early gives us an opportunity to understand your position, explain what may be required and help you prepare before you’re ready to apply.

If buying, refinancing or reviewing your finance is on your radar, get in touch with the IMFS team and we can help you understand the next steps.

www.imfs.com.au

24/09/2026

With another RBA interest rate decision approaching on 29 September, there’s plenty of discussion around what could happen next.

While we can’t predict where interest rates will go, one thing is certain: understanding your financial position gives you more confidence to make informed decisions.

Whether you’re looking to buy your first home, refinance your current loan, upgrade your home or simply understand your borrowing power, speaking with a mortgage broker - like IMFS - can give you greater clarity around your options.

With interest rates and the property market continuing to change, getting the right information can be a valuable first step before making your next move.

If you want to understand your options, don’t hesitate to get in touch with IMFS today. At no cost to you we can review your situation, talk you through your options and help you make your next move with confidence.

www.imfs.com.au | [email protected] | (08) 9228 1000

08/09/2026

🏡 Could your investment property be delivering greater tax deductions?

For many property investors, depreciation can be one of your largest deductions after loan interest. However, eligible deductions are often missed because your depreciation schedule isn’t up to date.

IMFS has partnered with R24, conveniently located in the same building in West Perth, to help property investors identify potential depreciation benefits. IMFS Managing Director Janine Carpenter and R24 Director Kristian Jeromson, together with their respective teams, are working to make it easier for property investors to understand and access the potential benefits of depreciation.

A professionally prepared depreciation schedule may help you:
✅ Identify eligible building and plant and equipment deductions
✅ Reduce your taxable income and improve after-tax cash flow
✅ Claim available deductions over the life of the property
✅ Support your claims with appropriate documentation
✅ Understand whether an older property may still have depreciation benefits

Not sure whether a depreciation schedule is worthwhile? Ask us to arrange a FREE estimate of the potential deductions before you proceed.

Contact IMFS or R24 to learn more.
IMFS - www.imfs.com.au
R24 - www.r24.com.au

Depreciation entitlements depend on the property and the owner’s circumstances. Please seek advice from your accountant or registered tax adviser.

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/

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

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/

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

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/

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.

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

http://www.imfs.com.au/

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