Home Loans In Joondalup & Across Perth
Buying a home in Perth shouldn’t mean spending weeks chasing banks that all say something different. At Encharge Capital, we’re based in Joondalup and we compare 40+ lenders to find the right home loan for your situation — whether you’re buying your first home, refinancing, investing, or self-employed with complicated paperwork.
Your Home loan Journey Starts Here
Getting a home loan is one of the biggest financial decisions you’ll ever make. And the difference between the right loan and the wrong one can easily be tens of thousands of dollars over the life of your mortgage. That’s why it’s worth doing properly — with someone in your corner who knows what they’re doing.
We’re a Joondalup-based brokerage and we’ve helped buyers right across Perth’s northern suburbs — and beyond — find loans that actually fit their situation. We don’t just look at your income and spit out a rate. We look at everything: your deposit, your income structure, your long-term goals, and which lenders across our panel are the best match for you specifically.
Whether you’ve been knocked back by a bank, you’re self-employed with complicated income, or you just want to know you’re getting a genuinely competitive deal — we’re worth a conversation. We compare home loan products across our full panel of 40+ lenders and present you with the options that actually make sense for your situation.
How We Secure Your Home Finance in WA
Choose from over 40 Lenders, all in one place
Why Home Buyers Choose Encharge Capital
We’re based in Joondalup and we know the Perth property market. We know which suburbs are moving, which lenders are fast, and which loan structures work best for the type of buyer you are. That’s not something you get from a national call centre.
We’ve helped first home buyers, upsizers, investors, and self-employed borrowers all across Perth’s northern suburbs — and we treat every single client the same way. One broker, start to finish. Real answers, not vague estimates.
Most of our new clients come from referrals. That tells us we’re doing something right. If you want to find out what working with a local Joondalup broker actually feels like, give us a call — it costs you nothing.
Access To Rates You Won't Find Yourself
We compare across 40+ lenders every day. We access rates and deals that aren't advertised publicly — and we use that to get you a better outcome than walking into a bank alone.
Low Deposit Solutions That Actually Work
Don't have a 20% deposit yet? There are still options. We know which Perth lenders work with low-deposit buyers and how to structure the loan so LMI doesn't kill the deal.
Self Employed & Complex Incomes
Banks are strict with self-employed borrowers — but many of our lenders aren't. We know how to present your income so it's assessed fairly, and we find the lenders who actually understand how self-employed people earn.
Full Service, Start To Finish
We handle pre-approval, lender selection, application, and settlement — all in one place. You won't be passed between departments or left wondering what's happening next.
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!
Common questions from Perth Home Loan Borrowers
How much can I borrow for a home loan in Perth?
It depends on your income, expenses, existing debts, and the size of your deposit. Most lenders use a serviceability assessment to work out your maximum, but we always go further and look at what you can comfortably afford — not just what the bank will technically approve. We can give you a clear borrowing estimate in your first conversation with us.
What's the difference between fixed and variable home loans?
A fixed rate locks your repayments in for a set period — usually 1 to 5 years — so you always know exactly what you’re paying. A variable rate moves with the market, which means repayments can go up or down. Both have pros and cons depending on your situation, and some borrowers split between the two. We’ll explain what makes sense for where you’re at right now.
How long does home loan pre-approval take?
Usually a few business days once we have all your documents. Some lenders are faster than others, and we know who’s quickest. In the Perth market right now, being pre-approved before you start making offers is really important — it means you can move fast when the right property comes up without risking missing out.
Does using a mortgage broker cost me anything?
In most cases, no. 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 upfront if a fee applies in a specific situation, but for the vast majority of home loan clients in Perth and Joondalup, there’s no cost to use us.