Mon - Sat 9:00 - 05:00

ross@enchargecapital.com

Serving Joondalup & Surrounding Suburbs

Encharge Capital Logo – Mortgage & Finance Broker Perth
+61 (406) 576 571
Encharge Capital Logo – Mortgage & Finance Broker Perth
Our Services

Mortgage & Finance Services In Joondalup

Property & Personal Finance Solutions

First Home Buyers

Buying your first home in Joondalup or Perth? We walk you through every step — grants, deposit requirements, which lenders suit first home buyers, and how to get pre-approved before you start looking at properties.

Explore Home Loans

Investment Property

Build a high-performing property portfolio with investment loans structured from day one. We help investors across Perth access the right finance, the right structure, and equity access to grow their portfolio for the long term.

Fund Investments

Refinancing

Paying more than you should on your home loan? We review your current rate against 40+ lenders — and if switching saves you money, we handle everything from application to settlement without you having to chase anyone.

Explore Refinance

Bridging Loans

Found your next home before your current one sells? A bridging loan lets you buy first and sell when you’re ready — so you’re not rushing to accept a low offer. We manage the whole process for Perth homeowners.

Get Bridge Finance

Debt Consolidation

Multiple repayments, multiple interest rates, and not enough month at the end of the money? We help Joondalup and Perth residents roll their debts into one manageable repayment at a lower rate.

Manage Your Debt

Car Loans

We compare 40+ lenders to find a car loan that fits your budget — new or used, dealer or private sale. Get pre-approved before you visit a dealership so you can negotiate on the car price, not the finance rate.

Compare Car Loans

Personal Loans

Renovations, medical expenses, a holiday, or a wedding — whatever you need it for, we find you a personal loan with a competitive rate and terms that suit your situation. No judgment, just the right product.

Get Personal Loan

Home Loans

We compare home loan products across 40+ lenders to find what suits your situation — whether you’re upsizing, downsizing, or buying an established property anywhere across Perth’s northern suburbs.

Explore Home Loans

Self Employed Loans

Getting a home loan when you’re self-employed is harder through the major banks — but not with us. We work with lenders who assess self-employed income fairly and know how to read financial statements properly. If you run your own business in Perth or Joondalup, we’ve helped many people in your position get approved.

Explore Self Employed Loans
First Home Buyers

Buying your first home in Joondalup or Perth? We walk you through every step — grants, deposit requirements, which lenders suit first home buyers, and how to get pre-approved before you start looking at properties.

Explore Home Loans
Investment Property

Build a high-performing property portfolio with investment loans structured from day one. We help investors across Perth access the right finance, the right structure, and equity access to grow their portfolio for the long term.

Fund Investments
Refinancing

Paying more than you should on your home loan? We review your current rate against 40+ lenders — and if switching saves you money, we handle everything from application to settlement without you having to chase anyone.

Explore Refinance
Bridging Loans

Found your next home before your current one sells? A bridging loan lets you buy first and sell when you’re ready — so you’re not rushing to accept a low offer. We manage the whole process for Perth homeowners.

Get Bridge Finance
Debt Consolidation

Multiple repayments, multiple interest rates, and not enough month at the end of the money? We help Joondalup and Perth residents roll their debts into one manageable repayment at a lower rate.

Manage Your Debt
Car Loans

We compare 40+ lenders to find a car loan that fits your budget — new or used, dealer or private sale. Get pre-approved before you visit a dealership so you can negotiate on the car price, not the finance rate.

Compare Car Loans
Personal Loans

Renovations, medical expenses, a holiday, or a wedding — whatever you need it for, we find you a personal loan with a competitive rate and terms that suit your situation. No judgment, just the right product.

Get Personal Loan
Home Loans

We compare home loan products across 40+ lenders to find what suits your situation — whether you’re upsizing, downsizing, or buying an established property anywhere across Perth’s northern suburbs.

Explore Home Loans
Self Employed Loans

Getting a home loan when you’re self-employed is harder through the major banks — but not with us. We work with lenders who assess self-employed income fairly and know how to read financial statements properly. If you run your own business in Perth or Joondalup, we’ve helped many people in your position get approved.

Explore self Employed Loans

Business & Commercial Lending

Asset and Equipment Finance

Need a vehicle, excavator, machinery, or medical equipment? We find asset finance for Joondalup and Perth businesses that fits your cash flow — fast approvals and the right structure so the finance works as hard as the equipment does.

Explore Asset Loan

Business Loans

Whether you need working capital, a fit-out, or funding for growth — we access 40+ lenders and find the right business loan for your situation. We’ve helped businesses across Perth get approved when their bank said no.

Fund Your Business

Cash Flow Loans

Slow payers or a seasonal dip hitting your cash flow? We help Perth businesses access fast working capital so wages, suppliers, and overheads stay covered — often with funds in your account within 24–48 hours of approval.

Boost Cash Flow

Overdraft Facility

An overdraft gives your business a financial buffer — draw what you need, when you need it, and only pay interest on what you use. We help Perth businesses set up overdraft facilities that are actually sized correctly for how they operate.

Setup Overdraft

Line of Credit

A business line of credit gives you revolving access to a pool of funds — draw down, repay, and draw again. You only pay interest on what you use, making it one of the most cost-effective ways to manage working capital for Joondalup and Perth businesses that deal with variable income or project-based cash flow.

Get Credit Line
Asset and Equipment Finance

Need a vehicle, excavator, machinery, or medical equipment? We find asset finance for Joondalup and Perth businesses that fits your cash flow — fast approvals and the right structure so the finance works as hard as the equipment does.

Explore Asset Loan
Business Loans

Whether you need working capital, a fit-out, or funding for growth — we access 40+ lenders and find the right business loan for your situation. We’ve helped businesses across Perth get approved when their bank said no.

Fund Your Business
Cash Flow Loans

Slow payers or a seasonal dip hitting your cash flow? We help Perth businesses access fast working capital so wages, suppliers, and overheads stay covered — often with funds in your account within 24–48 hours of approval.

Boost Cash Flow
Over Draft facility

An overdraft gives your business a financial buffer — draw what you need, when you need it, and only pay interest on what you use. We help Perth businesses set up overdraft facilities that are actually sized correctly for how they operate.

Setup Overdraft
Line Of Credit

A business line of credit gives you revolving access to a pool of funds — draw down, repay, and draw again. You only pay interest on what you use, making it one of the most cost-effective ways to manage working capital for Joondalup and Perth businesses that deal with variable income or project-based cash flow.

Get Credit Line
Our Lenders

Choose from over 40 Lenders, all in one place

FAQs

Common Questions About Our Finance Services in WA

Why should I use a Perth finance broker instead of going to my local bank?

A bank only offers its own products. As an independent broker based in Joondalup, we compare across 40+ lenders — including options you’d never find walking into a branch. We negotiate on your behalf, find the most competitive rate available for your situation, and handle everything from application to settlement. For most clients, we find a better deal than their bank offered — and it costs you nothing in most cases, since we’re paid by the lender.
 

What types of business lending do you offer for WA companies?

We cover the full range of business finance — business loans, cash flow loans, asset and equipment finance, overdraft facilities, lines of credit, and invoice finance. Whether you’re a sole trader in Joondalup or a larger Perth business, we look at your situation and find the right product and lender for what you actually need.
 

Can you help me refinance an existing home loan or investment property?

Yes — refinancing is one of the most common things we do for Perth clients. We review your current rate and loan structure against what’s available across our full lender panel, calculate the real saving (including any exit or switching costs), and handle the whole process if it’s worth making the move. Most of our refinancing clients save a meaningful amount on their monthly repayments.
 

How long does the loan pre-approval process typically take?

For home loans, typically a few business days once we have your complete documentation. For business and commercial finance, timeframes vary depending on the product and lender — some cash flow products can be approved within 24 hours, while more complex facilities take a little longer. We always give you a realistic expectation upfront and push for the fastest outcome without cutting corners.

How does Encharge Capital get paid for its services?

In most cases, we’re paid a commission by the lender when your loan settles — which means our service is free to you as a borrower. We’ll always be transparent about how we’re paid and if a fee applies in your specific situation. We don’t favour any particular lender, and we’ll always recommend what’s genuinely best for you, not what pays us the most.