Achievement Finance - Mortgage & Finance Brokers

Achievement Finance - Mortgage & Finance Brokers We are your expert Mortgage & Finance Brokers based in Perth, with decades of experience helping clients all over Australia with their finance.

Welcome to the Achievement Finance page. We're Mortgage & Finance Brokers located in Perth, Western Australia. We've been in the finance industry since 2002, so it's safe to say we've had more than enough experience when it comes to dealing with lenders. At Achievement Finance, we have had the opportunity to build strong relationships with a wide variety of lenders - some of whom you may

not even know about! So what does that mean for you? It means we are here to help you get the best loan possible, and will guide you through the process from start to finish. Achievement Finance has hundreds of loan options available from across Australia's leading lenders and we'll work with you to find the right finance solution to meet your needs. Why choose Achievement Finance? We'll help navigate you through the competitive and ever-changing finance landscape to find the right loan for you. We’re here to negotiate on your behalf, and we'll make the process as simple as possible for you. We'll help you avoid the pitfalls, and we'll find loan features to suit your personal circumstances. What's your alternative to working with a broker? The alternative to working with a broker is to do it all yourself. That means 'shopping around' and researching dozens of lenders to compare their terms and rates. However, working with a broker saves you the time and headache of having to do it all on your own. A broker can also steer you away from certain lenders with stringent payment terms that may be buried in their contracts. We love what we do and we are confident we can help with all your finance needs! Still not convinced? Here are some very kind words from some very happy clients:

"Lucy took care of our every need, even when there was a small problem with the bank, she sorted it out quickly with no stress. A lovely lady." – Chris & Melanie T

“Both Lucy and Terry were very efficient and attentive throughout the loan process. There was never a call or email that was not returned in a very timely manner, they are really lovely to deal with at all times, during and even after everything was finalised. Not once did I feel forgotten by them, they always kept me up-to-date and I never felt confused by what was happening, as their knowledge is second to none! They are personable and professional. I still rave how wonderful they made our loan experience, especially after having two terrible experiences with other brokers.” Siobhan P

Need to get in contact with us? Here's our details:

Office
Address | Level 1, Suite B9, 431 Roberts Road Subiaco, WA 6008
Mob | 0411 964 499
Email | [email protected]

Lucy Monastra - Director
Mob | 0402 126 474
Email | [email protected]

Terry Monastra - Finance Broker
Mob | 0423 058 063
Email | [email protected]

AFG (Australian Finance Group) Hall of Fame luncheon.Our Director Lucy is an AFG Hall of Fame member and Mortgage Broker...
08/06/2026

AFG (Australian Finance Group) Hall of Fame luncheon.

Our Director Lucy is an AFG Hall of Fame member and Mortgage Broker of 24 years, and the business we have today exists because of her years of hard work helping countless clients and building something that continues to grow.

A big thank you to AFG for your support and for hosting such a lovely event 🥂

Last night, Terry presented at a First Home Buyers event hosted by the amazing team at Inhabit Property.Terry spoke abou...
14/05/2026

Last night, Terry presented at a First Home Buyers event hosted by the amazing team at Inhabit Property.

Terry spoke about all things finance, the importance of having a good broker in your corner and how we fit into the home buying process.

Education is a big part of what we do, and this especially rings true for those buying property for the first time.

Some of the topics Terry covered:

- Understanding borrowing capacity and how it varies from bank to bank
- Deposit requirements and genuine savings
- Government schemes available at both a state and federal level
- Tips/ insights into what the banks look at before approving a home loan

If you're a first home buyer and don't know where to start, then take this as your sign to get in touch! 🏡

Celebrating 2 years of Luke 🎉🎉
06/05/2026

Celebrating 2 years of Luke 🎉🎉

The Reserve Bank of Australia has lifted the cash rate for a third time this year by 0.25% to 4.35%.What this means for ...
05/05/2026

The Reserve Bank of Australia has lifted the cash rate for a third time this year by 0.25% to 4.35%.

What this means for Perth home buyers and homeowners:

- Interest rates are likely to stay higher for longer
- Borrowing capacity remains tighter compared to recent years
- Mortgage repayments will likely increase further as banks pass on the rate increases to their home loan customers.

What’s behind the decision?

Inflation has picked up again in early 2026, driven by:

- Higher fuel and energy prices
- Ongoing conflict in the Middle East
- Businesses starting to pass on rising costs

The RBA has increased rates in an effort to slow spending and demand, which in turn, should help take pressure off prices and bring inflation back under control.

The overarching theme is that there’s a fair bit of uncertainty, particularly around global events and how they flow through to the Australian economy. The RBA does expect inflation to come down over time, but not as quickly as previously forecast.

If you’re considering purchasing a home, refinancing, reviewing your loan structure or exploring investment opportunities, and want to know how these rate hikes impact you, now is the time to get in touch.

If you’re buying a home in Perth, investing in property, refinancing your current home loan or looking to leverage equit...
25/03/2026

If you’re buying a home in Perth, investing in property, refinancing your current home loan or looking to leverage equity in your home, you’ve probably heard “just speak to a mortgage broker.”

But what do we actually do?

(Skip to the bottom if you just want to know what it costs 👀)

✅ We calculate your borrowing capacity properly across a huge range of lenders so you know what you can realistically afford before house hunting.

✅ We structure your home loan strategically so it supports your future plans, especially if you want to upgrade or invest later.

✅ We compare hundreds of home loan products across 60+ lenders to find one that suits your situation, not just one bank’s policy.

✅ We explain home loan features clearly - offset, redraw, fixed, variable, interest rates - so you understand what you’re signing.

✅ We manage your finance application right the way through to finance approval, settlement and beyond.

✅ We help educate first home buyers through grants, schemes and deposit requirements and let you know what you may be eligible for.

And the part everyone scrolls for…

How much does is cost to use a mortgage broker?

$0.

Our services come at no cost to you. This is because we are paid a commission by the bank of your choice after your loan has settled. This means you benefit from our expertise and support without an additional out-of-pocket expense. In the rare event that a fee-for-service is required, we will notify you upfront.

Danielle recently attended the AFG (Australian Finance Group) Table of Influence event, alongside other female business ...
13/02/2026

Danielle recently attended the AFG (Australian Finance Group) Table of Influence event, alongside other female business owners.

The conversation centered around what it takes to run and grow a business. Because when a business is run well behind the scenes, clients feel it. In clearer advice, stronger communication and ultimately better outcomes.

Being part of these industry conversations matters to us. It keeps us accountable and forward thinking, so we can ensure we always deliver the standard of service our clients deserve.

As predicted, the RBA has lifted the cash rate to 3.85%.The move comes as inflation has risen faster than expected, with...
03/02/2026

As predicted, the RBA has lifted the cash rate to 3.85%.

The move comes as inflation has risen faster than expected, with prices for goods, services, and housing climbing more quickly than the RBA anticipated. While some of this is considered temporary, ongoing strong demand in the economy and a tight labour market mean the RBA has decided it’s time to act.

How this affects home owners & home buyers:
If you have a variable home loan, repayments are likely to increase (your bank will confirm this with you). For example, a $600,000 loan could cost around $90 more per month. For people looking to buy, higher rates may reduce how much you can borrow.

Keep an eye on any updates from your bank:
Most banks are expected to announce their own rate changes soon. Make sure to check any correspondence from your bank so you know how your repayments could change and when.

What you can do:
Now is a good time to review your home loan. When was the last time you reviewed your interest rate and is it competitive in today's market? Or if you’re planning to buy, check your borrowing capacity so you’re prepared before making an offer.

Talking to a mortgage broker (that's us!) can help you compare options and plan your next steps.

The Reserve Bank is set to announce its first rate decision of 2026 next week, 3 February. With inflation still higher t...
29/01/2026

The Reserve Bank is set to announce its first rate decision of 2026 next week, 3 February. With inflation still higher than expected, markets are watching closely for a potential rate rise. For homeowners or buyers with variable home loans, this could mean higher monthly mortgage repayments.

One way to gain certainty in uncertain times is by considering a fixed-rate home loan.

What is a fixed rate?
A fixed-rate home loan means your interest rate, and therefore your repayments, are locked in for a set period, no matter how market rates move. In Australia, banks commonly offer fixed terms from 1 to 5 years, giving you the flexibility to choose a term that suits your financial goals.

Here’s why fixing may be worth considering:

1. Certainty over repayments: Fixing your rate means your repayments stay the same for the term you choose - You’ll know exactly what to budget each month, making financial planning simpler and less stressful.

2. Protection from sudden rate rises: Variable rates can move when market conditions change. Fixing your rate acts as a buffer, shielding you from unexpected increases and giving peace of mind that your repayments won’t spike.

3. Peace of mind in budgeting: Stable repayments allow you to plan for other priorities, such as renovations, family expenses, or savings, without worrying about fluctuating mortgage costs.

Fixing a home loan isn’t right for everyone, however if you are looking for stability in your repayments, then it 's worth chatting with us!

MERRY CHRISTMAS AND HAPPY NEW YEAR FROM TEAM AF 🎄🥳✨What a year. We couldn’t be prouder of all that we have achieved as a...
18/12/2025

MERRY CHRISTMAS AND HAPPY NEW YEAR FROM TEAM AF 🎄🥳✨

What a year. We couldn’t be prouder of all that we have achieved as a business, and more importantly, for our amazing clients.

Some 2025 highlights

✨ Grew our team by 2 - Ron and Siobhan (proper intro to come!)
✨ Record number of first home buyers assisted
✨ Countless refinances to secure lower interest rates
✨ Countless equity releases for clients to do home renovations, buy their dream car, purchase another property or invest in the stock market
✨ Record number of settlements
✨ Endless laughs, team lunches and coffee runs

🎄 Office closure dates 🎄

Our office is closed from Mon 22 Dec, re-opening Wed 7 Jan 2026. However Terry, Danielle & Ron are available during this time and will be working on all in-flight applications and any urgent requests. All other matters will be responded to in the new year 😊

See you all in 2026!

Terry’s ING Australia Rising Star Award 2025 🤩Featuring Luke - because he couldn’t have done it without him!
26/11/2025

Terry’s ING Australia Rising Star Award 2025 🤩

Featuring Luke - because he couldn’t have done it without him!

Address

Level 1, Suite B9/431 Roberts Road
Subiaco, WA
6008

Opening Hours

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

Telephone

+61892874609

Website

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