Ledge Home Loans

Ledge Home Loans Personalised lending made simple with Ledge Home Loans. Helping WA clients achieve their financial goals with clear, expert lending advice.

From first homes to complex scenarios — your best interests always come first.

25/06/2026

Credit cards, personal loans, buy now pay later accounts and other unsecured facilities can all form part of your lending picture.

Even if you don’t use the full limit, lenders may still take the available limit into account when assessing your application.

Keeping things simple before applying for a home loan can sometimes make the process clearer.

23/06/2026

Thinking about your next property move?

If you already own a property, you may have more equity available than you realise.

Understanding your position can help you explore what options may be available — whether that’s upgrading, investing or planning your next step.

Sometimes it starts with simply understanding where you stand.

20/06/2026

Some people use one offset account. Others may benefit from having a few accounts set up for different purposes. The right structure depends on how you manage money and what makes things easier to stay across.

18/06/2026

Offset accounts can be a useful feature, but they’re not always well understood. In simple terms, money sitting in your offset account can reduce the interest calculated on your linked home loan.

16/06/2026

Wondering what you could borrow for your next property move?

Borrowing capacity looks different for everyone and depends on things like income, expenses and existing commitments.

Some situations are straightforward, others a little more complex — especially in the current environment.

Understanding your position early can help you move forward with more clarity and confidence as you explore your options.

13/06/2026

Using equity to buy another property is something we’re hearing a lot about in Perth at the moment.
But equity is only one part of the picture.

Lenders will still look at your income, expenses, credit history and overall borrowing position before deciding what may be possible.

If you’re thinking about using equity for your next move, it might be worth getting clear on the full picture first.

09/06/2026

Why did we start Ledge Home Loans?

For us, it’s always been about people.

We enjoy supporting clients through every stage of their property journey — whether it’s a first home, next move or something a little more complex.

Every situation is different, and our role is to help navigate that with clarity, care and long-term support.

06/06/2026

Thinking about applying for a home loan?

Getting your documents organised early can make the process feel much smoother and less stressful.

Things like:

• Payslips
• Identification
• Savings account statements
• Information relating to existing debts or liabilities

…are all good places to start.

This is something many people don’t realise until they’re already in the process.

02/06/2026

Rate movements, inflation and cost-of-living pressures can all have an impact on household budgets.

That’s why it can be useful to review your home loan and understand whether your current structure still suits your needs.

This might include looking at your current rate, repayment options, offset account setup or whether fixed and variable options are worth exploring.

Every situation is different, so it’s worth getting guidance based on your circumstances.

30/05/2026

We’re living in a pretty uncertain environment, and home loans are one area where it can be worth paying closer attention.

If your circumstances have changed, or you haven’t reviewed your loan in a while, a quick check-in can help you understand whether your current setup still suits you.

That doesn’t always mean making a change — sometimes it simply gives you clarity.

If you’d like to talk through your options, we’re here to help.

Address

Level 2 Suite 16/420 Bagot Road
Subiaco, WA
6913

Opening Hours

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

Telephone

+61863182780

Website

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