14/10/2026
There are currently more than 8,000 properties listed for sale across Perth, the first time listings have been above this level since December 2022.*
This means home buyers are starting to see something we haven’t had much of in recent years: More choice.
This shift means more properties to compare, more time to consider your options and, in some cases, greater scope to negotiate.
But before you start making offers, there is another number worth knowing: Your borrowing capacity.
Higher interest rates can affect how much a lender is prepared to let you borrow, even if your income hasn’t changed. Banks also assess things like your existing debts, credit card limits, living expenses and the type of property you’re buying.
That’s why speaking to a mortgage broker before you find the right property can make a big difference.
We can help you understand:
• How much you may be able to borrow
• How much deposit you’ll need
• What repayments would look like at different loan amounts
• Which lenders may suit your circumstances
• What price range you can realistically start looking within
As local mortgage brokers based in Subiaco, we compare home loan options across a range of lenders and help you understand the numbers before you start making offers.
More properties on the market can create opportunity, but knowing your financial position first puts you in a much better position to take advantage of it.
*Source: REIWA
