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White Swan Finance Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from White Swan Finance, Loan service, Perth.

02/10/2026

This is exactly how we calculate the borrowing capacity for every client when they enquire for a home loan.

We look at 3 major areas: Income, Living Expenses and Liabilities.

Each bank calculates these differently, and the difference can be hundreds of thousands of dollars.
This is why someone like us can help guide you through the whole process. We see the bigger picture, not just what's in front of us.

01/10/2026

The Home Guarantee Scheme is designed to help you purchase your first home if you have less than 20% deposit. In summary:
- You need to contribute 5% if you are a regular First home buyer. If you are a single parent, that's only 2%
- You need to be an Australian Citizen or a Permanent Resident
- The property that you buy needs to be up to the property price caps for the state where you buy.

30/09/2026

The RBA has increased the interest yet again to 4.60%. This means that your monthly repayments are going up from next month. A few banks are increasing their rates as early as October 9!
If you haven't reviewed your rate, now would be a good time before you receive another shock from your bank.
Let's have a chat!

28/09/2026

Families quite often outgrow their first home and they need to upgrade their home.
The chances are these days the first home they bought has good equity and they can make the move to their dream home
There are two ways how this can be achived:
1. Bridging finance - this is where you can buy the next home and sell your current one within 6-12 months. In this scenario, you temporarily borrow the existing loan plus the new loan. After the settlement of the initial property, only the residual debt is in place.
2. Simultaneous settlements - This is when you put the current house on the market and you place a contract on the house that you are looking to purchase. The purchase will need to be done as a subject to successful sale of the original property and the settlement will need to occur at the same time.

Note that these options are dependent on your personal scenario and each one is tailored to your specific needs, so reach out and let's chat!

26/09/2026

Your HECS debt can impact the borrowing capacity. The good news is that different banks assess the HECS differently and this cold mean that you could purchase a better property.
This was the case for my client, Mary. She thought she couldn't borrow enough to buy a bigger property, but we proved her wrong! Now, her and her golden retriever enjoy a much bigger backyard.

25/09/2026

If you are a first home buyer, you can avoid paying lender mortgage insurance if you are eligible for the 5% Home Guarantee Scheme. This can mean getting better interest rates and saving thousands of dollars in LMI fees.

23/09/2026

Some banks will tell you to pay LMI if you have less than 20% deposit which can cost you thousands of dollars in unnecessary fees. It is an insurance policy that is designed to protect the banks, not you. The good news is that there are ways you can use to avoid it.
If you want to know more, let's chat!

21/09/2026

Going through a separation can be a difficult process, but the refinance of the home loan doesn't have to be.
We look at the bigger picture, not just one lender.
This is how we were able to help our client keep her property and pay out her ex-partner. She was able to do it, just needed the right advice.

20/09/2026

Buying your next home post separation might be easier than you think. It is possible to do it with 10% deposit and ni Lender Mortgage Insurance fees. And no, this is not only for certain professions. It is available to everyone!
If you want to find out more, send us a DM

19/09/2026

There are so many different ways to get finance for your first home. If you are a doctor, registered with APHRA you can purchase your first property even if it is above the Home Guarantee Scheme threshold. If you want to know more, send us a DM.

Address

Perth, WA
6000

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+61466947293

Website

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