Mortgage Broker in Baldivis
Baldivis is full of young families taking their first step onto the property ladder, and that step does not need to be stressful. I’m Andy, a Mandurah-based mortgage broker who has been helping Western Australians get home loans since 2000. I work with first home buyers, families building house-and-land in the new estates, and owners refinancing across the 6171 postcode. You deal with me directly, I explain every loan document line by line, and you get my mobile so you can ask a question the moment it comes up.
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
Google Review
For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
Google Review
Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
Google Review
Andy made our refinancing and purchase of a new home seamless and within our guidlines.
Google Review
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Finance Andy Helps Baldivis Locals With Home Loans and More
Home Loans
Andy helps Mandurah families get home loans the way they should be done — every line explained, every option weighed,…
Home Loans →
Low Deposit Home Loans
Low Deposit Home Loans →
Investment Home Loans
Investment property loans in Perth and regional WA, explained by a broker who's been working with property investors since 2000.
Investment Home Loans →
Business Finance
Business Finance →
Motor Vehicle Finance
Finding the right vehicle loan doesn't have to be hard.
Motor Vehicle Finance →
A Broker Who Knows Baldivis Buyers and the Estates They Build In
Baldivis grew fast, and a lot of that growth is first home buyers and young families building in estates like Settlers Hills, The Rivergums and Arpenteur. That brings its own questions: how much deposit you really need, whether a house-and-land package is funded in stages, and how the First Home Owner Grant and stamp duty concessions in WA actually apply to you.
I sit down and work through your whole position, not just the loan that pays the most commission. Because I’ve been broking since 2000, I know which lenders are comfortable with new estates, construction draws and lower deposits, and I match you to one that suits your situation. Want the detail first? Read about first home buyer home loans or low deposit home loans.
We query over 30 lenders to find an outcome that’s right for you
How the First Home Journey Works in Baldivis Step by Step
Most people assume a first home loan is a lot of hard work. It usually isn’t, and a big part of my job is calming that down. Here is the plain version of how it runs.
First we have a chat about your income, savings and what you’d like to buy or build. Then I check what you can comfortably borrow and line you up for pre-approval so you can make an offer with confidence. When you’ve found the home or signed a building contract, I take the application to the lender that fits you best, explain every document before you sign, and stay on the file through to settlement. After that I’m still here for your next move, whether that’s a renovation, an upgrade or an investment.
What a Local Broker Actually Does for You in Three Steps
You don’t deal with a call centre or a junior processing your file. You deal with me. Here’s how I keep it simple for Baldivis buyers, from the first chat to the keys in your hand.
Why Baldivis Families Stay With Andy Year After Year
It isn't a transaction. Clients come back for the next purchase, the refinance and the investment, because I keep working for them after settlement.
Experience You Can't Shortcut
Broking since 2000, just two years after broking began in WA. Every lender quirk, I’ve seen it.
He Answers His Phone
Got a question at night before you sign? Call my mobile. You won’t be waiting on a queue.
Plain-English Walkthroughs
Every loan document explained line by line so you know exactly what you’re committing to.
Structured Around You
I look at your whole position and recommend what suits you, not what pays me the most.
No Franchise Template
You deal with me directly, not a junior chasing the next lead while your file sits.
Local to the Peel Region
I know Baldivis estates, builders and the lenders comfortable with new house-and-land.
Baldivis Home Loan Questions, Answered
Many lenders will look at a 5 to 10 per cent deposit, and some first home buyers get in with less when a guarantor or a government scheme is involved. A smaller deposit usually means Lenders Mortgage Insurance, which I’ll explain before you commit. See low deposit home loans for how this works.
Yes. Building is funded in stages, and not every lender is comfortable with construction draws. I match you to one that is and walk you through each progress payment so there are no surprises.
WA offers first home buyer concessions on stamp duty up to certain price thresholds. Whether you pay, and how much, depends on the purchase price. I’ll run the numbers for your situation, and you can read more in our guide to stamp duty in WA.
For most home loans my service costs you nothing, because the lender pays the broker. I’ll always be upfront about how I’m paid before you proceed.
