Home Loans

The loan should fit your life.

Buying your first place, refinancing one you already own, building, or adding an investment. The paperwork looks similar from the outside. What actually suits you is not.

However you start

The process is the same either way.

Whether it is a $350,000 first home or a second investment property, the work is the same: understand the position, compare properly, and stay on it through to settlement.

A chat, not a fact find

What you want to do, what worries you, and what you would rather not repeat from last time.

Your position, in writing

What you can borrow, what it costs, and any grants or concessions you may qualify for.

A real comparison

Rate, fees, features and break costs weighed together across the panel, not just the headline number.

Through to settlement

Paperwork, valuations and chasing the bank, so you never wonder what is happening with your own loan.

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.
Raghunatha · Apr 2026 · via Google

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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 at Em Bee Finance

Mool Bhargava

Principal broker · MBA Finance

A Name You Can Trust