Westgate Home Loans

Westgate Home Loans Make Your Next Move with Confidence! At Westgate Home Loans, we’re more than just mortgage brokers, we’re your finance partners for life.

Whatever your goals, we’re here to help you build a stronger financial future and support you every step of the way. At Westgate, we don’t simply find the most competitive home loans in Australia. Our home loan and personal finance team go a whole lot further. Based in Western Australia, our experienced home loan team is here to help you make confident and informed decisions about your financial f

uture. We comply whole-heartedly with the Best Interests Duty so you can rest assured that our brokers are always working to get the best possibly outcome for you. We take the time to understand your complete situation – not just your loan amount or credit score – but your lifestyle, future plans, and financial goals. Then we search through our extensive panel of lenders to find the best loan for you, providing tailored advice that could save you tens of thousands of dollars over the life of your loan.

⭐️⭐️⭐️⭐️⭐️ GOOGLE REVIEWReceiving a 5-star Google review is the standard we set for ourselves - this is just one example...
28/08/2026

⭐️⭐️⭐️⭐️⭐️ GOOGLE REVIEW

Receiving a 5-star Google review is the standard we set for ourselves - this is just one example of the dedication our brokers bring every day. ⭐

“John was absolutely incredible throughout this whole process from start to finish. As first-home buyers, he took the time to ensure we fully understood every step of the process and kept us informed throughout. We felt extremely supported and genuinely could not have navigated the experience without John’s expertise and guidance.

John was professional, trustworthy, knowledgeable, and always willing to help with any questions we had. 5 stars all around — we would give him 10 stars if we could!” Elia & Dylan

🏆 We’re excited to announce that Westgate Home Loans is a 2026 finalist in the LMG Commercial & Asset Finance Awards!Wit...
21/08/2026

🏆 We’re excited to announce that Westgate Home Loans is a 2026 finalist in the LMG Commercial & Asset Finance Awards!

With finalists selected from across the LMG Commercial and Asset Finance network, making the list is a fantastic achievement and a reflection of the dedication, expertise and client-focused approach of our team.

We’re proud to be recognised alongside some of the best in the industry and grateful to our clients and partners for their continued trust and support.

The winners will be announced at the upcoming Commercial & Asset Finance PD Days, and we’ll be keeping our fingers crossed! 🤞

Congratulations to our incredible team — we’re looking forward to celebrating this achievement together! 🎉

🏡 Not All Home Loan Rates Are Created Equal.It can be tempting to compare your interest rate with a friend, family membe...
14/08/2026

🏡 Not All Home Loan Rates Are Created Equal.

It can be tempting to compare your interest rate with a friend, family member or colleague – but the reality is that home loan rates are tailored to your individual circumstances.

Here are some of the key factors that can influence the rate you’re offered:
✅ Loan-to-Value Ratio (LVR) – A larger deposit usually means a lower LVR, which may help you access more competitive rates.
✅ Credit history – A strong credit profile can improve your lending options.
✅ Deposit size – The more equity you have, the more options you may have available.
✅ Loan purpose – Owner-occupied and investment loans are often priced differently.
✅ Repayment type – Principal & Interest and Interest-Only loans typically have different interest rates.

The lowest interest rate isn’t always the best loan either. The right home loan is one that suits your financial situation, lifestyle, and long-term goals. ⭐

That’s where a mortgage broker can help. We compare lenders, explain your options, and help you find a loan that’s the right fit for you.

➡️ Ready to explore your options? Get in touch with the Westgate Home Loans team today.
https://westgatehomeloans.com.au/contact/

The Reserve Bank of Australia (RBA) has kept the official cash rate on hold again, bringing much-needed stability and pr...
11/08/2026

The Reserve Bank of Australia (RBA) has kept the official cash rate on hold again, bringing much-needed stability and predictability to the local property market. But what does this mean for you?

🏡 Homeowners: Variable rates remain steady, giving you a predictable budget window - and an ideal opportunity to review or refinance your loan

🔑 Buyers: Your borrowing power stays consistent, allowing you to search with clear pre-approvals and make confident, strategy-driven decisions

📈 Sellers: Rate stability supports buyer confidence, keeping active buyers in the market and maintaining steady demand across Westgate

Thinking about your next move? Contact our team today for an updated property appraisal or to discuss your market strategy.

https://westgatehomeloans.com.au/contact/

TRUE or FALSE? 🤔You need to be in your new job for at least 3 months before you can apply for a home loan.❌ FALSE!We get...
07/08/2026

TRUE or FALSE? 🤔

You need to be in your new job for at least 3 months before you can apply for a home loan.
❌ FALSE!

We get asked this question all the time. The good news is that you may not need to wait three months to apply for a home loan.

Some lenders may consider your application after just one payslip if you’ve recently started a permanent role.

In many cases, you’ll simply need:
✅ A signed employment contract or letter of offer
✅ Your first payslip
✅ A consistent employment history (particularly if you’re staying in the same industry)

But here’s the catch…

Not all lenders have the same policy. Some may require three months of employment, while others may want six months or more.

That’s where a mortgage broker can make all the difference.

At Westgate Home Loans, we compare lender policies – not just interest rates – to find the right solution for your circumstances, helping you avoid unnecessary applications and move forward with confidence.

➡️ Thinking about buying a home but you’ve recently started a new job? Get in touch with our team – you might be closer than you think.
https://westgatehomeloans.com.au/contact/

Let’s Talk Budget 🏡With recent Federal Budget changes impacting areas such as negative gearing and SMSF lending, it’s mo...
31/07/2026

Let’s Talk Budget 🏡

With recent Federal Budget changes impacting areas such as negative gearing and SMSF lending, it’s more important than ever to understand how these updates could affect your property plans.

While the lending landscape continues to evolve, opportunities still exist – you just need the right advice and strategy.

Whether you’re buying your first home, upgrading, refinancing, or investing, we’re here to help you:
✅ Understand how the latest changes may apply to your circumstances.
✅ Compare lender policies – not just interest rates.
✅ Structure your lending to support your short and long-term financial goals.
✅ Move forward with confidence, knowing you’ve explored your options.

➡️ Thinking about buying or investing? Let’s have a conversation before you make your next move.
Contact the Westgate Home Loans team today.
https://westgatehomeloans.com.au/contact/

Have You Reviewed Your Borrowing Goals Since the New Financial Year? 🏡It’s a great opportunity to reset your finances, r...
24/07/2026

Have You Reviewed Your Borrowing Goals Since the New Financial Year? 🏡

It’s a great opportunity to reset your finances, review your spending habits, and make sure you’re on track to achieve your home ownership goals.

Here are five simple ways to get ahead:
✅ Refresh your budget – Give your finances a detox by tracking your spending over the next three months.
✅ Check your credit report – It’s free and helps you understand where you stand before applying for a home loan.
✅ Cancel unused subscriptions – Those forgotten monthly payments can quietly drain your cash flow.
✅ Automate your savings – Regular savings build healthy financial habits and bring you closer to your deposit goals.
✅ Live like you already have a mortgage – For the next three months, put aside the equivalent of a monthly mortgage repayment. It’s a great way to test your budget, build your savings, and see whether your repayments would be manageable.

A few small changes today can make a big difference to your borrowing power tomorrow.

➡️ If you’re ready to review your borrowing capacity or create a strategy to achieve your property goals, get in touch with the Westgate Home Loans team today.
https://westgatehomeloans.com.au/contact/

👩‍💻👨‍💼 Self-Employed? Here’s something you need to know about borrowing:Banks assess your income based on your TAXABLE i...
17/07/2026

👩‍💻👨‍💼 Self-Employed? Here’s something you need to know about borrowing:

Banks assess your income based on your TAXABLE income — NOT your gross revenue.

👉 Your accountant’s job is to help you LEGALLY minimise your taxable income through business deductions — which is great for tax time… BUT be careful:

The higher your expenses → the lower your taxable income → the lower your borrowing capacity.

If you’re thinking about borrowing in the next 12 months:

✅ Chat with your accountant & your broker NOW
✅ Plan ahead to ensure your business financials align with your borrowing goals
✅ Avoid surprises when it’s time to apply!

Being proactive today can help you borrow smarter tomorrow. 💡
https://westgatehomeloans.com.au/contact/

🏡✨ Happy Friday!We think weekends are for house hunting … and maybe a little dreaming too! 💭What’s YOUR property plan th...
10/07/2026

🏡✨ Happy Friday!

We think weekends are for house hunting … and maybe a little dreaming too! 💭

What’s YOUR property plan this weekend?

👉 Are you hitting open homes?
👉 Scrolling listings?
👉 Exploring new suburbs?

💬 Whatever stage you’re at - remember, getting your finances prepped FIRST puts you in the driver’s seat. 🚗Get in touch to get your preapproval sorted so you can shop with confidence.

Here’s to finding that perfect place! 🏡💛
https://westgatehomeloans.com.au/contact/

💼✨ Got a side hustle? Want it to help boost your borrowing power?Here’s what you need to know:✅ Set up an ABN + run your...
03/07/2026

💼✨ Got a side hustle? Want it to help boost your borrowing power?

Here’s what you need to know:

✅ Set up an ABN + run your income through a bank account
❌ Banks won’t count cash-in-hand or “under the mattress” income — it must be traceable.
✅ Report your income in your tax return
✅ Most lenders want to see at least 18 months to 2 years of income reported to the ATO.
✅ The more consistent your income, the stronger your application.
✅ Make sure your side hustle is profitable
👉 If your expenses are higher than your income, it could actually work AGAINST your borrowing capacity.
👉 Banks assess taxable income (income minus expenses), not gross revenue.

In short: structured, declared income = stronger borrowing position.

If you’re planning to grow your side hustle and use it to support future borrowing — chat with us. We help business owners of all shapes and sizes. 🚀
https://westgatehomeloans.com.au/contact/

Address

Perth, WA

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+61893170100

Website

,

Alerts

Be the first to know and let us send you an email when Westgate Home Loans 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 Westgate Home Loans:

Shortcuts

Featured

Share

Category