Buy with
the name you can trust.
Em Bee Finance is a Perth mortgage broker handling every type of loan, from first home, refinance, investment and construction through to car, commercial, development and personal. Based in Thornlie and working right across Western Australia, so your biggest financial decision feels clear, calm and genuinely in your corner.
How Em Bee works
A gradual, kinder way to arrange finance.
We take the pressure out of the process by being genuinely on your side, from the first coffee to the final settlement.
A relaxed first chat
We talk through what you want to do, in plain language. No forms, no obligations.
Your borrowing picture
We map your position, options and any grants or concessions you may qualify for.
Compare and recommend
From a wide panel of lenders, we shortlist the loans that genuinely fit your life.
Apply and settle
We manage the paperwork, chase the bank, and keep you in the loop until settlement.
We handle all types of loans
Who is this for?
From your first home to your next investment, and the vehicle, equipment or business loan alongside it, there is a loan page for every situation.
Home Loans
First Home Buyers
Grants, guarantors and the calm hand you actually need.
Learn more
Refinancing
Sharpen your rate. Restructure your life around it.
Learn more
Investment Loans
Structure the portfolio the tax office will smile at.
Learn more
Construction Loans
From slab to keys, drawdowns done properly.
Learn more
New to Australia
Visa-friendly lenders and a broker who gets it.
Learn moreOther Loans
Car & Asset Finance
Cars, utes, equipment. Competitive rates, fast approval.
Learn more
Commercial & Business
Working capital and commercial property, structured well.
Learn more
Development Finance
Small-scale projects funded with the right lender.
Learn more
Personal Loans
Consolidate debt or fund the plan without the stress.
Learn moreOur lender panel
One broker. A comparison from 55+ lenders on panel.
The majors, the mutuals and the specialists. Not every lender suits every borrower, and the ones that suit you are rarely the ones advertising hardest.
Accredited across every lender shown.
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Panel updated regularly.
“The right loan isn’t the one with the flashiest rate this week. It’s the one that still fits your life five years from now.”
Mool Bhargava, MBA Finance
Loan Repayment Calculator
Run the numbers in 15 seconds.
A quick, honest look at what a loan might cost you each month. When you’re ready, we’ll pressure-test it against real lender criteria together.
See all calculatorsVisualised
How your balance melts away
Cumulative principal and interest paid over the life of the loan.
- Principal paid
- Interest paid
- Remaining balance
Estimated repayments
Monthly repayment
$3,998
- Total interest
- $789,257
- Total paid
- $1,439,257
This is an estimate only and not credit advice. Actual figures depend on your circumstances and lender criteria. Read the full disclaimer.
Accredited Google Reviews
Perth families who felt heard.
Every review below was left on our Google Business Profile by a real client, and is reproduced word for word.
Read them on Google“I just acquired an investment property using equity. Mool Bhargava guided me in the entire process handling all complexities of my mortgage journey. His knowledge and response about financial matters was simply amazing. I highly recommend him for any mortgage need you may have. Thanks Mool Bhargava.”
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Areas We Serve
Based in Thornlie. Working across WA.
From Thornlie and the south east corridor through to Midland, Mandurah, the Peel region, Bunbury and Albany. Everything can be done online, so where you are is rarely the deciding factor.
- Thornlie
- Midland
- Mandurah
- the Peel region
- Bunbury
- Albany
- Canning Vale
- Gosnells
- Maddington
- Southern River
- Willetton
- Cannington
- Joondalup
- Ellenbrook
Follow along
A broker in your pocket, in between coffees.
Rate moves, first-home tips and honest takes on the Perth market. No jargon, no hype.
@embeefinance
Behind the scenes, client wins and the small stuff that makes a big difference.
Em Bee Finance
Longer reads, market updates and the occasional celebration when a deal settles.
Reviews on Google
Hear it straight from Perth clients: first home buyers, refinancers and investors.
Em Bee Finance, Perth
Ready to talk it over? Book a chat with Mool.
A relaxed first conversation. No pressure, no jargon, just an honest look at your options.
Mool Bhargava
Principal broker · MBA Finance
A Name You Can Trust