Opal Finance Home Loans

Opal Finance Home Loans Opal Finance specialises in arranging all types of Home Loans, Commercial Loans, and other credit facilities on behalf of their clients.

If you need a loan Opal Finance makes the whole loan process simple and easy. Opal Finance Australia is a mortgage broking firm in Southern River, WA. We offer home loans, first homebuyer mortgages, commercial & business loans, investment loans, development loans, refinancing, purchase finance for home loans, mortgage refinance, debt consolidation, personal loans, vehicle finance, mortgage top-ups

, land & construction loans, no doc loans, low doc loans, & renovation loans. We operate from South Perth to Rockingham to Karragullen, including Thornlie, Huntingdale, Gosnells, Maddington, Kenwick, Canning Vale, Kelmscott, Camillo, Champion Lakes, Seville Grove, Mount Nasura, Armadale, Mount Richon, Brookdale, Wungong, Hilbert, Haynes, Forrestdale, Piara Waters, Harrisdale, Treeby, Jandakot, Oakford, Wandi.

Banks sometimes save their better deals for new customers, leaving loyal ones with higher rates. We’ll compare your curr...
01/04/2026

Banks sometimes save their better deals for new customers, leaving loyal ones with higher rates. We’ll compare your current loan against the market to make sure you aren’t paying more than you have to.

Stop paying the loyalty tax and start saving, reach out to us for a quick rate check today.

We salute your hard work and your big goals. ✨ Helping you reach them is everything to us.
30/03/2026

We salute your hard work and your big goals. ✨ Helping you reach them is everything to us.

As of February 2026, a new rule from APRA has changed the game.Banks are now restricted on how many "high-debt" loans th...
27/03/2026

As of February 2026, a new rule from APRA has changed the game.

Banks are now restricted on how many "high-debt" loans they can approve. If your total debt (including the new loan, credit cards and car loans) is more than 6 times your gross annual income, you’re officially in the "High debt-to-income zone.

Banks can only allow 20% of their new loans to fall into this category. If your bank has already hit its 20% "quota", they might say no, even if you have a perfect credit history.

If you think you might be affected, book a call with us to assess future lending.

https://www.opalfinance.com.au/contact/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

In a fast-moving market, "waiting to save more" could potentially cost you more in price growth than you’d pay in intere...
23/03/2026

In a fast-moving market, "waiting to save more" could potentially cost you more in price growth than you’d pay in interest or fees.

You might not need a 20% deposit. With the right strategy, a low-deposit scheme, or even paying lenders mortgage insurance, you may be able to get off the treadmill and into your home sooner. We can help you find out if you’re eligible. Talk to us.

Found "the one" but haven't sold your current place yet? 🏠⏳In a fast-moving market, waiting for a sale could mean missin...
18/03/2026

Found "the one" but haven't sold your current place yet? 🏠⏳

In a fast-moving market, waiting for a sale could mean missing out on your dream home. That’s where a bridging loan could help.

A bridging loan could allow you to buy your new home before you sell your current one. It’s a short-term solution that could help give you an upper hand in a competitive bidding war.

Ask us how.

The RBA has today decided to increase the cash rate. As we face ongoing global uncertainty, the Board was looking to kee...
17/03/2026

The RBA has today decided to increase the cash rate. As we face ongoing global uncertainty, the Board was looking to keep a cap on inflation. Reach out to talk about how this could impact you or if you want to check if your loan is still competitive.

If you’ve been thinking of purchasing a new vehicle or equipment for your business, now is the time to act. If the asset...
13/03/2026

If you’ve been thinking of purchasing a new vehicle or equipment for your business, now is the time to act.

If the asset is delivered and operational by June 30, you may be able to access the Instant Asset Write Off. Reach out to get your finances sorted.

Speak to your accountant about the Instant Asset Write Off.

Like most good things, keep in mind your pre-approval doesn’t last forever. It’s important to check with your broker whe...
12/03/2026

Like most good things, keep in mind your pre-approval doesn’t last forever. It’s important to check with your broker when the right time is for you to apply for pre-approval as well as being aware of when it expires.

You know that speaking to a broker to help you with your property purchase is a good idea, but when should you do it? Wh...
10/03/2026

You know that speaking to a broker to help you with your property purchase is a good idea, but when should you do it? When you first decide you want to buy? Once you’ve found your property? When you want to apply for a loan?

The truth is it’s never too early to contact a broker. They can help you at all stages of the property purchase process. But the earlier you get in touch, the better they can help you to be prepared in your journey.

Get in touch today.

https://www.opalfinance.com.au/contact/?utm_source=facebook&utm_medium=organic&utm_campaign=socialpost

After the RBA’s rate increase in February, many homeowners on variable rates are wondering what more hikes will mean for...
05/03/2026

After the RBA’s rate increase in February, many homeowners on variable rates are wondering what more hikes will mean for their household budgets.

Looking at the average home loan in Australia, which is $694,000, if your interest rate is currently 5.4%p.a, your monthly repayments would be around $4,220. For every 0.25% rise your repayments would increase approximately:

💰 1 increase: $4,324, $104 increase per month
📈 2 increases: $4,429, $209 increase per month
💸 3 increases: $4,535, $315 increase per month

Address

712 Ranford Road, Bristle Avenue
Southern River, WA
6110

Opening Hours

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

Telephone

+61893983600

Website

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