What are the opening hours?

Monday 8am - 6pm Tuesday 8am - 6pm Wednesday 8am - 6pm Thursday 8am - 6pm Friday 8am - 6pm

Formal Finance

Home
Australia
Perth, WA
Formal Finance

Call Directions Website Contact the business

Our business proposition is simple, provide outstanding service to those who seek finance to construct, purchase, develop or invest in property.

We do not shy away from the most complicated finance scenarios and we are always up for a challenge.

15/10/2026

🗞📰 𝗔 𝗿𝗲𝗰𝗼𝗿𝗱 𝟴𝟮% 𝗼𝗳 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻𝘀 𝗿𝗲𝗹𝘆 𝗼𝗻 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗯𝗿𝗼𝗸𝗲𝗿𝘀. 𝗛𝗲𝗿𝗲’𝘀 𝘄𝗵𝘆. 📰🗞⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣
What does Australia have in common with the United Kingdom and the Netherlands? In all three countries brokers facilitate more than 80% of new mortgages. We explain why. 😃⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣
https://formalfinance.com.au/knowledge-centre/f/a-record-82%25-of-home-loans-rely-on-mortgage-brokers-here%E2%80%99s-why

14/10/2026

⏳ How hard does the market usually bounce back after a downturn?⏳⁣
⁣
Waiting for property prices to hit a cyclical low could potentially work against home buyers. 🏡⁣
⁣
Domain research shows prices have risen 32% on average after each of the eight past downturns. 📊⁣
⁣
If the market dips now, buyers could potentially purchase a house at a good price. ⁣
⁣
But if you wait too long, the market could pick up again and you could be purchasing when buyer competition is fierce. ⁣
⁣
Being prepared is key. Speak to us today about pre-approval and get started on your property journey. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

12/10/2026

The Formal Finance team took on the world stage in Nice, France, joining hundreds of fellow Australians at the Ironman 70.3 World Championships!

It was an incredible experience to both race and support at such a prestigious event, representing our country and Formal Finance while doing what we love.

Beyond the racing, it’s the opportunity to meet inspiring people, share unforgettable experiences and be part of such an amazing community that makes these events so special.

12/10/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
⁣
One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
⁣
But there are ways to potentially clear the slate sooner. 💡⁣
⁣
Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
⁣
An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
⁣
Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
⁣
Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

08/10/2026

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now? We reveal what’s currently a competitive rate, and how you may be able to land one.

07/10/2026

🏡 1-in-3 home buyers rely on the bank of mum and dad 🏡⁣
⁣
That's the latest survey data from Compare the Market.⁣
⁣
But beware: lenders may check that financial support is a gift, not a loan to be repaid. ⚠️⁣
⁣
Otherwise it may reduce your borrowing capacity. 📉⁣
⁣
And banks still want to be sure you can comfortably manage loan repayments. 🏡⁣
⁣
Speak to us first to find out how mum and dad can potentially lend a helping hand - without leading to hiccups during your loan application. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

05/10/2026

💳 The BNPL trap: how it could impact your home loan application 💳⁣
⁣
Buy Now Pay Later (BNPL) may be quick and convenient, but it could affect your home loan application and/or credit rating. 🏡⁣
⁣
That's because every time you apply for BNPL, it may trigger a credit check. 🔍⁣
⁣
And too many credit checks can affect your credit score and be a red flag for lenders. 🚩⁣
⁣
Late or missed BNPL payments can also be reported, which could reduce your credit score even further. ⁣
⁣
Talk to us to know how BNPL could impact your loan application. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

30/09/2026

🏡 Property listings climb higher, FOMO dials down 🏡⁣
⁣
Things are looking up for homebuyers, reports Domain. 📈⁣
⁣
Not so long ago FOMO (fear of missing out) was a driving force in the housing market. 😬⁣
⁣
Today, new listings are up - while property prices in many parts of the country have plateaued (or even dipped).⁣
⁣
That means buyers could have more negotiating power, and seller discounts are on the rise. ⁣
⁣
It’s a trifecta that could see the stars align for your homebuying plans. ⭐⁣
⁣
Contact us to see how you could benefit. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

29/09/2026

🗞📰 𝗥𝗕𝗔 𝗵𝗶𝗸𝗲𝘀 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝗳𝗼𝗿 𝗳𝗼𝘂𝗿𝘁𝗵 𝘁𝗶𝗺𝗲 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿, 𝘂𝗽 𝘁𝗼 𝟰.𝟲𝟬% 📰🗞⁣⁣⁣⁣⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣
Here we go again … The RBA has raised the cash rate for a fourth time this year to 4.60%. Check out this week’s article to find out why they felt the need to pass on more borrowing pain to mortgage holders. 🤔⁣⁣⁣⁣⁣
⁣⁣⁣⁣⁣
https://formalfinance.com.au/knowledge-centre/f/rba-hikes-cash-rate-for-fourth-time-this-year-up-to-460%25

28/09/2026

📉 Lenders cut rates as competition heats up 📉⁣
⁣
There’s a “rate war brewing”, according to Canstar. ⁣
⁣
A rising tide of lenders have cut their variable loan and short term fixed rates recently. ⁣
⁣
The catch? ⚠️⁣
⁣
Lower rates are usually reserved for new customers. 💡⁣
⁣
The solution? 🤝⁣
⁣
Refinancing could see you become a new customer, and benefit from a more competitive loan rate. ⁣
⁣
Contact us to find out how. 👇⁣
⁣
To find out more, DM us or contact Formal Finance on:

☎️ – 0409 383 838
💻 – [email protected]

Address

333c Charles Street
Perth, WA
6006

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm

Telephone

+61409383838

Website

http://formalfinance.com.au/

Alerts

Be the first to know and let us send you an email when Formal Finance 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 Formal Finance:

Nashi Finance

Want your business to be the top-listed finance company in Perth?

Formal Finance

15/10/2026

14/10/2026

12/10/2026

12/10/2026

08/10/2026

07/10/2026

05/10/2026

30/09/2026

29/09/2026

28/09/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Sponsored

Share

Category

Listing takedown request