Buy your first Perth home with someone in your corner
Getting your first loan approved can feel like the hardest part. Em Bee Finance walks you through deposits, grants and lender choice in plain language, so your first offer is a confident one.
Who this is for
Is this the right conversation to start?
You’re saving your first deposit and want to know if you’re on track.
You’ve been pre-approved elsewhere but the loan doesn’t quite feel right.
You’d like someone to translate government grants and stamp duty concessions into real dollars.
How it works
Four steps, no surprises.
A calm first conversation
We sit down (in person, video or phone) and talk about your goals, income and any concerns before we look at a single loan.
Deposit, grants and buffer
We map out what you’ve saved, what you can access, and which grants and concessions actually apply to you.
Shortlist lenders that fit
From our wide panel, we pick the small handful of lenders whose criteria and pricing match your life — not a supermarket list.
Apply and settle with care
We prepare the application, chase the bank, and stay with you all the way to key handover.
Most first home buyers we meet are closer than they think.
Em Bee Finance, Perth
The benefits
Why clients choose Em Bee Finance.
Plain-English guidance from a broker who does this every week.
Access to a wide panel of lenders, big and small.
Help understanding First Home Owner Grant & stamp duty concessions.
Someone in your corner during valuation and settlement.
Try the numbers
A quick look at what you might borrow.
Lenders assess your repayments at a higher rate than the one you pay, currently around 3 percentage points above it. This estimate is calculated at 9.24% for that reason, which is why it may look lower than other calculators.
Estimated borrowing power
You may be able to borrow
$899,000
- Maximum purchase price
- $937,000
- Stamp duty (WA)
- $39,371
- Repayment at your rate
- $5,529/mo
- Assumed term
- 30 yrs
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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FAQ
Common questions
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