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Trusted Home Loan Services in Perth, Australia
Home Loan and Mortgage Expert in Perth
Making your journey to home ownership simple and stress-free
At ISM Accountants, we understand that buying a home is one of the biggest decisions you’ll make. That’s why our Perth-based mortgage experts provide personalised home loan solutions tailored to your unique needs. With competitive rates, transparent advice, and dedicated support, we’re here to help you every step of the way — from your first enquiry to settlement.
ISM Accountant
Buying Your New Home
Buying your first home is exciting but can be overwhelming. ISM Accountants simplifies the process by guiding you through every step — from choosing the right loan to settlement. We provide clear advice, practical tips and checklists to help first-home buyers feel confident and informed.
Government Home Loan Support
Did you know the Australian Government offers schemes like the Home Guarantee Scheme and Help to Buy shared equity program? These initiatives can help you buy sooner with a lower deposit and reduced upfront costs. We’ll help you understand your eligibility and make the most of these opportunities.
Refinance Home Loans
Refinancing could save you thousands by lowering your interest rate, reducing repayments or unlocking equity for renovations. With interest rates changing, now’s a great time to review your loan. ISM Accountants makes refinancing easy and ensures you get the best deal possible.
What Are Home Loan Services in Australia?
A home loan service in Australia helps people find, apply for, and manage loans to buy property, refinance existing loans, or invest in real estate. These services offer expert advice, compare loan options, and support you through the entire process—making it easier to understand your choices and make the right financial decisions. Whether you’re a first-time buyer or a seasoned investor, home loan services are there to take the stress out of borrowing.
Our Services
At ISM Accountants, we understand that managing home loans can be a daunting task. That’s why we’re here to help you every step of the way. Here’s how we can assist you with our comprehensive home loan management services:
Home Loan Consultation
Planning to buy your next home, refinance, or access your home's equity? ISM Accountants Home Loan Team is here for you! Our complimentary member consultations provide personalized guidance to help you choose the right financing solution. As a member-owner, your needs are our priority, and we're dedicated to ensuring your financial success. Take advantage of this exclusive member benefit today, and let us guide you toward your homeownership goals with excitement and expertise!
Home Loan Pre-Approval
Make your property offer confidently with an ISM Accountant home loan pre-approval. With pre-approval, you can bid on a property up to a specified amount, knowing exactly how much you're eligible to borrow. Our quick and easy online pre-approval tool provides you with an answer without impacting your credit position. Plus, when you've found the property you want, we'll seamlessly assess your loan application. We are here to assist you every step of the way, ensuring a smooth and stress-free process.
Home Loan Application Assistance
Before diving into your home loan application, ensure you've got everything ready: a current email address and mobile number for safe online access, certified identity documents, proof of income like payslips, existing home loan details if applicable, and information on any debts you hold. Don't forget your transaction history or statements to track monthly living expenses. With these essentials, you're all set to start your application process. Need a hand? We're here to assist every step of the way. Let's turn your homeownership aspirations into reality together.
Home Loan Comparison (Fixed Vs. Variable Rates)
When considering home loan options, comparing fixed and variable interest rates is essential to determine which aligns best with your financial goals. Fixed rates offer stability with consistent repayments over a specified period, while variable rates fluctuate with market conditions. Each option has its pros and cons, such as potential savings with variable rates but the risk of increased repayments if rates rise. At ISM Accountants, we assist you in conducting a thorough home loan comparison, ensuring you choose the option that suits your needs and preferences.
Why Choose ISM Accountants for Your Home Loan?
Our team understands the Perth property market and provides tailored advice based on local insights and lending trends.
We handle the paperwork, simplify the steps, and keep things clear—so you can focus on buying your home, not the red tape.
From your first enquiry to final settlement, we offer one-on-one guidance to ensure a smooth and confident experience.
Hundreds of local buyers rely on us for honest advice, reliable service, and results that speak for themselves.
We connect you with competitive lenders and flexible repayment plans to match your lifestyle and financial goals.
Our Location
Drop By at our location in Perth
Opening Hours:
Monday to Friday: 9AM to 5PM
Saturday & Sunday: Closed
Smart Home Loan Management Tips
- Plan ahead for your fixed-rate loan expiry and consider refinancing options early to secure better terms
- Make extra repayments whenever possible to reduce your overall interest and shorten your loan term
- Utilise offset or redraw accounts to maximise your savings while keeping your funds accessible when needed
- Switch to fortnightly repayments to save on interest over the life of your loan
- Benefit from ongoing, personalised advice that adapts to your evolving financial situation
Step-by-Step Home Loan Application Process
- Get organised: Gather your ID, proof of income, property details and debt information
- Apply online: Quick pre-qualification through loans.com.au
- Upload documents: Securely submit paperwork via our onTrack system with expert help
- Loan approval: Receive approval and digitally sign your loan offer
- Settlement: Finalise your loan with our support every step of the way
Who We Help: Tailored Solutions for Every Borrower
- First-Time Home Buyers: Clear, step-by-step guidance to navigate the process with confidence
- Investors: Loan options designed to suit your investment goals
- Refinancers: Expert advice to reduce repayments or access equity
- Self-Employed & Professionals: Customised solutions that consider your unique income situation
Eligibility Criteria & Required Documents
- Must be 18 or older, Australian citizen or permanent resident
- Employment history (preferably 6+ months) and income verification
- Property details including value, type, location and size
- Consideration of credit score and Loan-to-Value Ratio (LVR)
- Lenders Mortgage Insurance (LMI) explanation for deposits under 20%
Loan Types & Features
Fixed-Rate Loans
Fixed-rate loans give you predictable repayments that don’t change for a set term—usually from one to five years. This means you’re protected from interest rate increases, making it easier to plan your budget. If you like having stable monthly payments and want to avoid surprises, a fixed-rate loan is a smart choice.
Variable-Rate Loans
Variable-rate loans’ interest rates fluctuate in tandem with the market. They provide more freedom and the chance to save money in the event that interest rates decline. Additionally, a lot of these loans come with features like offset accounts and redraw capabilities.
Government-Supported Loans
Eligible buyers, especially first-home buyers, may access government schemes such as the First Home Guarantee or Help to Buy. These programs allow you to purchase a home with a lower deposit and easier approval criteria.
Important Note
In Perth, most home buyers aim for a 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, if you have a smaller deposit, you may still qualify for a loan by paying LMI or applying through government-backed support programs.
FAQ's On Home Loan Services
You’ll need proof of identity, recent payslips or tax returns, bank statements, details of debts, and property information if available. Self-employed applicants may need additional financial documents.
Typically, approval takes anywhere from 7 to 21 days. The exact timing depends on how quickly you can provide your documents, the complexity of your financial situation, and how fast the lender processes your application.
Fixed loans offer consistent repayment terms with a fixed interest rate for a predetermined amount of time. Rates on variable loans are subject to change, offering flexibility and the possibility of savings in the event that rates decline.
Yes, most loans allow extra repayments without penalty, helping reduce interest and loan term. Features like offset accounts and redraw facilities may also be available.
LMI protects the lender if you default and applies when your deposit is under 20%. It’s a one-off cost that lets you buy with a smaller deposit.
Yes, self-employed or irregular earners can get a home loan. Lenders just need detailed proof like tax returns and financial statements to confirm your income stability.
ISM Accountants & Advisors is a group of accounting professionals, mortgage brokers and tax accountants.
