Ledge Home Loans

13/10/2026

“What’s my borrowing capacity?”

It’s the question Jonathan hears most, and one he’s always happy to work through.

Understanding your options before you start making plans can give you a clearer starting point, whether you’re buying your first home, moving or considering an investment.

07/10/2026

Since joining Ledge Home Loans, he has spent time learning from Jonathan, sitting in on client conversations and seeing how that principle shapes the way our team works.

It’s an approach that aligns closely with Scott’s own values: do things properly, understand what the client needs and keep their best interests at the centre of the process.

30/09/2026

The RBA has raised the cash rate again — so what does that actually mean for homeowners and buyers in Perth?

For some people, it may affect repayments or borrowing capacity. For others, it may simply be a good time to understand whether their current home loan still suits their situation.

Our latest article looks at the September rate rise, what we’re seeing in the Perth property market, and a few practical things worth reviewing.

No pressure, no reacting to headlines — just a clearer picture of where things stand.

Read more:

The RBA has increased the cash rate to 4.60%. Here’s what the September 2026 rate rise could mean for Perth homeowners, buyers and people considering refinancing.

30/09/2026

Whether you’re ready to apply for a home loan or simply have a question about your current situation, you should feel supported from the beginning.

As Nim explains, every conversation matters to our team. We’ll take the time to understand why you’ve contacted us, explain what happens next and help make the process feel clearer and easier to manage.

23/09/2026

Particularly when you’re self-employed or your financial situation is a little more complex.

As Scott explains, these scenarios can require a closer look at the client’s circumstances, lender policies and the supporting information available. It’s one of the reasons our team takes the time to understand the full picture before exploring which options may be suitable.

16/09/2026

For Nim, it’s the people. At Ledge Home Loans, supporting one another is part of how we work. When someone has a lot on their plate, the team steps in, shares the load and makes sure nobody feels like they’re handling it alone. That supportive culture also flows through to how we look after our clients.

09/09/2026

For Jonathan, the answer is pretty simple: exceptional service and clients who genuinely want to come back and recommend us to the people around them.

Growth matters, but how we grow matters too.

Doing the right thing by our clients, building long-term relationships and continuing to deliver the kind of experience people feel confident recommending — that’s the goal.

26/08/2026

More Australians are choosing to use a mortgage broker when buying or refinancing a home.

In the March 2026 quarter, brokers facilitated a record 81% of new residential home lending in Australia.

For Jonathan, it reflects something we talk about often at Ledge Home Loans: having the right people in your corner.

Finance can be complex, and a good broker’s role is about more than an interest rate. It’s about understanding your circumstances, helping you navigate your options and supporting you through the process.

19/08/2026

Looking at properties is the exciting part. But before you fall too far down the real estate rabbit hole, it helps to understand what may actually be achievable.

For first home buyers, speaking with a mortgage broker early can help you work through your financial position, understand the options that may be available and, where appropriate, explore pre-approval before you start making offers.

You don’t need to have everything figured out before starting the conversation.

A little preparation upfront can make the property search feel a whole lot clearer.

15/08/2026

For Jonathan, it comes back to having the right people around you — people who trust each other, communicate openly and are comfortable both giving and receiving feedback.

There have been lessons along the way, too. One of the biggest? Skills and performance matter, but so do the behaviours each person brings to the team.

It’s something we’ve worked hard to build at Ledge Home Loans, and something we’ll keep protecting as we grow.