The broker at the kitchen table.
Em Bee Finance is a boutique Perth practice led by Mool Bhargava, a broker Perth families come back to when the next big decision comes around.
Mool Bhargava
Principal broker · MBA Finance
A name you can trust.
Mool Bhargava founded Em Bee Finance in Thornlie after years of watching good people get pushed around by opaque bank processes. He’s an MBA in Finance, a member of Purple Circle Financial Services, and operates under Australian Credit Licence 486112.
But those credentials aren’t what most clients talk about at the settlement lunch. They talk about being listened to. About getting a text back on a Sunday. About being treated the same whether it’s a $350,000 first home or a $2.4m development.
Why a local broker
A broker who lives in Thornlie doesn’t need a spreadsheet to tell you what the market is doing in Canning Vale or Huntingdale. Local context matters, from strata quirks to which lenders are appetitive on which streets, and it’s something a call-centre broker cannot fake.
It also means you can meet in person. Plenty of the work happens over the phone and by email, because that is what suits most people, but the option of sitting down at a kitchen table with someone who lives twenty minutes away is not a small thing when the numbers get large.
Serving Perth’s diverse communities
Em Bee Finance is proud to be a trusted name across Perth’s Indian and migrant communities. If English isn’t your first language, if you’re on a 482 or 189 visa, or if your income sits outside the tidy PAYG box the bank likes, Mool takes the time to translate the system for you.
That work is often about knowing which lender to approach rather than arguing with the wrong one. Visa status, overseas income, casual and contract work, a short credit history in Australia: each of these changes the shortlist, and none of them should end the conversation.
What a boutique practice actually means
It means the person you meet is the person who does the work. Your file is not handed to a processing team once the exciting part is over, and you are not repeating your situation to someone new every time you call.
“My job is to make the biggest financial decision of your life feel calm. Everything else follows from that.”
Qualifications and accreditation
- MBA (Finance and Human Resources)
- BA (Honours) Economics
- Diploma of Finance and Mortgage Broking Management
- Authorised Credit Representative 568170 and 568169
- Authorised under Australian Credit Licence 486112
- Member of Purple Circle Financial Services
How Mool works
Four habits, not a sales process.
None of this is complicated. It is just done consistently, which turns out to be the rare part.
He listens first
The first conversation is not a fact find. It is a chat about what you actually want to do, what you are worried about, and what you would rather not repeat from last time.
He shows you the picture
Before any application, you see where you stand: what you can borrow, what it costs, and which grants or concessions you may qualify for. In plain language, in writing.
He compares properly
A wide lender panel is only useful if someone reads the fine print. Rate, fees, features and break costs get weighed together, because the cheapest headline rate is often not the cheapest loan.
He stays with it
Paperwork, valuations, chasing the bank and keeping you posted through to settlement. You should never have to wonder what is happening with your own loan.
What Mool can help with
One broker, every kind of loan.
Most clients arrive with one question and stay for the next three. Having the whole range under one roof means you are not starting again with a stranger each time.
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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Where Mool works
Based in Thornlie, lending right across Perth.
Thornlie is home, and the south east corridor is where most clients are. That said, a loan does not care about postcodes: Em Bee Finance works with buyers and business owners right across greater Perth, and plenty of the process happens wherever suits you.
Thornlie
Home base, WA 6108
Wide panel
55+ lenders compared
MBA Finance
and BA (Hons) Economics
ACL 486112
Purple Circle member
Em Bee Finance, Perth
Come and say hello.
A short chat with Mool costs nothing, and often clears up a decision you have been sitting on for months.
Mool Bhargava
Principal broker · MBA Finance
A Name You Can Trust