Buy a home in Perth, even if you are new to Australia
Moving countries is complex enough without trying to decode mortgage rules. Em Bee Finance helps new Australians understand visa requirements, deposit rules and which lenders will work with you.
Who this is for
Is this the right conversation to start?
You are a permanent resident or citizen new to Australia and want to buy your first home.
You are on a skilled visa and want to know if you can get a loan.
You have overseas income or credit history and are unsure how lenders view it.
You want someone to explain Australian lending terms, grants and the buying process.
How it works
Four steps, no surprises.
Check your residency and visa status
We confirm which lenders accept your visa type and what deposit and documentation they require.
Assess your income and deposit
We review local and overseas income, savings, and any gift or family support that can count toward your deposit.
Match you to the right lender
Not every lender accepts new-Australian borrowers. We shortlist the ones that do and match your profile.
Guide you to settlement
We explain each step, from contract signing to valuation and key handover, in plain English.
New to Australia does not mean new to the back of the queue.
Em Bee Finance, Perth
The benefits
Why clients choose Em Bee Finance.
Mortgage advice for permanent residents, visa holders and new citizens.
Lender matching based on visa type and residency status.
Plain-English explanations of grants, stamp duty and deposits.
Cultural understanding and patient, step-by-step guidance.
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