Joondalup's Mortgage & Finance Brokers
We’re a Joondalup-based brokerage helping everyday people across Perth’s northern suburbs get the right loan — without the bank runaround. We compare 40+ lenders so you don’t have to.
Self-employed borrowing
Bank said no? We use lenders who look beyond your tax return.
Portfolio structuring
We structure debt so you don't hit a wall at property three.
Home loans & refinancing
Still on standard variable? Most clients save $300–$600/month.
Asset & equipment finance
Plant, machinery, vehicles funded fast, without killing cash flow.
We Work For You, Not The Banks
Getting a loan isn’t complicated — it just feels that way when you’re dealing with a single bank. At Encharge Capital, we sit on your side of the table. We’re Joondalup locals who know the Perth property market, and we’ve helped hundreds of buyers, investors, and business owners find finance that actually fits their life.
We’re not tied to any one lender. That means we can look across 40+ banks and non-bank lenders — including options you’d never find walking into a branch — and match you with the deal that makes sense for your situation.
Whether you’re buying your first home in Joondalup, refinancing an existing loan, or building an investment portfolio across Perth, we handle everything from the first chat to settlement.
Every Type of Loan, One Expert Team
From first homes to full investment portfolios, Encharge Capital handles it all right here in Joondalup.
One Broker, 40+ Lenders, Better Outcomes.
More choice means better rates, better terms, and a loan that actually fits your life — not just the bank’s criteria.
I honestly couldn’t recommend Ross
and everyone at Encharge Capital highly enough. From start to finish, they made what could have been a stressful process feel smooth, clear, and completely manageable as a first time buyer. Their knowledge of the finance and mortgage market is incredible, they explained every detail in plain language and made sure I fully understood all my options before making any decisions.
Communication was excellent they were always quick to respond, always proactive, and genuinely caring about getting me the best possible deal. They went above and beyond to secure fantastic terms that I never would have found on my own.
What really stood out was how personal the service felt. It never felt transactional, they always had my best interests at heart. I felt supported, informed, and confident every step of the way.
If you’re looking for a finance broker who’s professional, trustworthy, and genuinely dedicated to helping you reach your goals, look no further than Ross and the team at Encharge Capital. A 10/10 experience from start to finish!
Would recommend 100%
Special mention to Ross, who went above and beyond to help with the process!
Why Encharge Capital Is Different
Most banks only show you their own products. We show you the full picture. As an independent brokerage based in Joondalup, we access 40+ lenders and use that to fight for a better deal on your behalf — every single time.
We don’t take a one-size-fits-all approach. Every client gets a real strategy, a real broker, and someone you can call when something comes up. That’s how we work, and it’s why most of our new clients come from referrals.
We’ve helped first home buyers, seasoned investors, and self-employed borrowers all across Perth — and we treat every single one the same way. No hand-offs, no call centres. Just your broker, start to finish.
Best Pricing, Every Time
We negotiate hard across our full lender panel — because a small rate difference adds up to tens of thousands over the life of your loan.
Free Consultations, No Obligation
Your first chat costs you nothing. We'll look at your situation honestly and tell you exactly where you stand — no sales pitch.
We Track Your Loan Long-Term
We don't disappear after settlement. We keep an eye on your rate and let you know when it's worth refinancing — before you even have to ask.
Real People, Real Hours
Our team is based in Joondalup and available when you need us — evenings, weekends, whenever works best around your schedule.
Serving Communities Across Western Australia
Based in Perth, our mortgage and finance brokers serve clients throughout Western Australia — both in-person and remotely.
Questions About Mortgages & Finance In Joondalup
Why use a mortgage broker in Joondalup instead of going direct to a bank?
A bank will only offer you their own products. As an independent broker, we shop across 40+ lenders — including some you’d never find on your own — and negotiate on your behalf. You get more choice and usually a better deal, all for free.
Does Encharge Capital charge a fee?
In most cases, no. We’re paid a commission by the lender when your loan settles. Your consultation is always free, and we’ll always be upfront if a fee applies in a specific situation.
Can I use my home equity to buy an investment property in Perth?
Yes, and it’s more common than you think. If you have usable equity in your Joondalup or Perth home, we can structure a loan that lets you access it for a deposit — without needing to sell your existing property.
I'm self-employed. Can I still get a home loan?
Absolutely. Getting approved as a self-employed borrower is harder through the major banks, but we work with lenders who assess applications differently. We do this regularly and know exactly what documentation works.
How long does pre-approval take?
Usually a few business days once we have everything we need from you. We move quickly because we understand that in the Perth market, being ready to make an offer matters.