Buying a property
Buying is one of the most significant financial decisions you’ll make. We compare hundreds of products, guide you to the right one, and manage the entire process through to settlement.
Get started →Perth WA · 50+ lenders compared
The right home loan,
found for you.
Buying, refinancing, or investing — we compare 50+ lenders to find the right home loan for you, and handle the paperwork so you can focus on what matters. Zero broker fees, always.
or call 0437 759 978
50+
Lenders we actively compare
$0
Broker fees, ever
100%
Acting in your best interests
WA
Perth-based, state-wide service
Why use a broker
More than half of Australians now arrange their home loan through a broker
The reason is straightforward: walking into a bank means seeing only that bank’s products, on that bank’s terms. A broker works for you instead.
At Jackwell Finance, we search across 50+ lenders, negotiate on your behalf, manage all the paperwork, and stay with you from the first conversation all the way through to settlement.
Book a free loan review →Jackwell Finance Broker
Going Direct to a Bank
Access to 50+ lenders and hundreds of products
Limited to its own products and rates
Negotiates rates and terms on your behalf
Works for its shareholders, not you
Manages the full process, start to settlement
You manage all the paperwork yourself
Recommends what suits you — not the lender
Recommends its own products only
Zero broker fees — always
Application fees may apply
How it works
Simple from the first conversation
We keep the process clear and uncomplicated. Here’s what working with Jackwell Finance looks like.
Free consultation
We meet at a time and place that suits you. We listen first, ask the right questions, and build a clear picture of your goals — with no pressure to proceed.
Research & compare
We search 50+ lenders, assess products that match your profile, and present a clear shortlist with honest explanations of the trade-offs.
Application & negotiation
We prepare and submit your application, liaise directly with the lender, and negotiate terms on your behalf to secure the best possible outcome.
Settlement & beyond
We track your loan through to settlement and remain available long after — ready to review and adapt as your life and the rate environment change.
What we do
One broker, every situation
From first home to investment portfolio — we have the expertise and lender access to find the right fit.
Reviewing your current loan
Your loan should still be working hard for you. If you haven’t reviewed your rate recently, we’ll do a free health check and find a better deal if one exists.
Review my loan →Entering the market
From borrowing power to the WA First Home Owner Grant and stamp duty concessions, we make the process clear and manageable from day one.
Start the conversation →Growing a portfolio
The right loan structure can meaningfully affect your investment returns. We understand the investor market and know which lenders work best for property investors across WA.
Explore options →Building or buying off-plan
Construction financing has its own complexities. We guide you through every stage — drawdowns, fixed-price contracts, valuations during build — and manage the lender throughout.
Talk to us →Simplifying your finances
Rolling high-interest debt into your home loan can significantly reduce monthly outgoings. We model the full picture — including the long-term cost — so you can decide clearly.
Run the numbers →
Tools & calculators
See how much you could save
Use our free refinance savings calculator to understand the true impact of switching loans — including all costs.
Our interactive refinancing guide includes a free savings calculator. See real examples, compare scenarios, and calculate your personal savings.
Use the calculator →
Loan types explained
No universal best loan — only the right one for you
A plain-English guide to the main loan structures, with an honest look at the benefits and trade-offs of each.
Variable Rate Loan
Australia’s most widely held home loan. Your rate moves with the market — rising and falling as the Reserve Bank adjusts the cash rate. Variable loans typically offer the most flexibility: extra repayments, redraw facilities, and offset accounts are all commonly available.
If you can absorb some rate movement and value long-term flexibility, variable is often the most cost-effective choice over time.
Ask us about variable loansVariable rate strengths
- Benefits when rates fall
- Extra repayments allowed
- Offset account available
- Redraw facility access
- No break costs to exit
Variable rate trade-offs
- Repayments rise with rate increases
- Budget less predictable
- Requires financial discipline
Fixed Rate Loan
Your rate is locked for a set period — typically one to five years — giving you complete certainty over repayments regardless of market movements. Fixed loans suit borrowers with tight budgets or those who expect rates to rise during the fixed term.
At the end of the fixed period, the loan reverts to variable. Breaking a fixed loan early can carry significant costs.
Ask us about fixed loansFixed rate strengths
- Repayments won’t change
- Protected from rate rises
- Easy to budget precisely
Fixed rate trade-offs
- Miss rate falls during fixed period
- Limited extra repayments
- Significant break costs possible
- Offset accounts generally unavailable
Split Loan
A split loan divides your borrowing between a fixed and a variable portion. You gain certainty from the fixed component while retaining flexibility on the variable portion — extra repayments, rate benefits, and optionality.
A practical middle ground for borrowers who want both stability and flexibility.
Ask us about split loansSplit loan strengths
- Balances certainty and flexibility
- Extra repayments on variable portion
- Benefits from rate drops
Split loan trade-offs
- Break costs apply to fixed portion
- Slightly more complex to manage
Interest Only Loan
Repayments cover only the interest for a set period, usually one to five years. This produces lower monthly repayments and is popular with property investors, since interest on investment loans is generally tax-deductible.
After the interest-only period, full principal and interest repayments begin. We’ll model the full impact before you commit.
Ask us about interest-only loansInterest-only strengths
- Lower repayments initially
- Interest may be tax-deductible
- Improves investment cash flow
Interest-only trade-offs
- Debt doesn’t reduce during IO period
- Higher total cost overall
- Repayments increase significantly afterwards
Line of Credit
An approved borrowing limit secured against your property, which you can draw on and repay flexibly. Many borrowers deposit their salary directly, reducing the daily balance and lowering interest charges.
Well suited to disciplined borrowers. Without careful management, balances can drift upward.
Ask us about lines of creditLine of credit strengths
- Maximum access to funds
- Salary offsets reduce daily interest
- Simplified single-account banking
Line of credit trade-offs
- Higher interest rate than standard loans
- Debt can grow without discipline
- Not suitable for all borrower profiles
Low Doc Loan
Designed for self-employed borrowers whose income is difficult to verify through standard payslips. Borrowers typically self-certify income or provide alternatives such as BAS statements.
Because the lender carries more perceived risk, rates are higher and a larger deposit is usually required.
Ask us about low doc loansLow doc strengths
- Accessible for self-employed
- Less income documentation needed
- Access to finance not otherwise available
Low doc trade-offs
- Higher interest rate
- Larger deposit typically required
- Fewer lenders offer this product
Free resources
Explore our knowledge hub
Browse in-depth guides and articles on refinancing, mortgages, and making smarter financial decisions.
Should You Refinance in 2026?
Real examples showing when refinancing pays off, when it doesn’t, and how to calculate your savings reliably.
Read the refinance guide →Fixed vs Variable in 2026
Compare fixed, variable and split loans — understand the risks and benefits of each loan structure.
Compare fixed vs variable →Cost to Refinance
Full breakdown of discharge fees, application fees, break costs and other expenses you’ll encounter.
See the cost breakdown →
Document checklist
What to bring to your appointment
Having documents ready helps us move quickly. We’ll confirm exactly what applies to your situation.
Identification
- Current passport or birth certificate
- Driver’s licence (plus marriage certificate if applicable)
- Medicare card, credit card, or rates notice
Income & Employment
- Two most recent payslips with year-to-date figures
- Most recent PAYG payment summary
- Last 2 years tax returns if self-employed
- Rental statements or dividend proof if applicable
For Refinancing
- Existing loan details including exit penalties
- Last 6 months statements for all current loans
- Current council rates notice and building insurance
- Last 6 months credit card statements
First Home Buyers
- Last 6 months savings and investment statements
- Contract of sale if already exchanged
- Most recent credit card statement
- Statutory declaration if receiving gifted funds
For Investors
- Rental income evidence or current tenancy lease
- Council rates notice for existing investment properties
- Property manager’s rental estimate for new purchase
- Last 6 months savings history
Construction Loans
- Builder’s fixed-price tender with full specifications
- Council-approved plans and permits
- Last 6 months savings statements
- Evidence of any additional fund sources
Trust & credentials
Verified by the industry
A Perth-based brokerage — accredited, regulated, and accountable. Client reviews coming soon.
ASIC Regulated
Authorised under Australian Credit Licence 389087 (AFG Ltd) — listed on the ASIC professional register.
Verify on ASIC Connect →AFG Aggregator
Authorised representative of Australian Finance Group Ltd — Australia’s largest mortgage broker network with over 50 lender partners.
About AFG →AFCA Member
Member of the Australian Financial Complaints Authority (member number 50858) — your independent dispute-resolution backstop.
Visit AFCA →Google Reviews
Read what real clients say about working with us — or leave a review of your own. Reviews are independently moderated by Google.
View on Google →
FAQ
Questions we’re often asked
Can’t find your answer? We’re happy to talk through anything — no question is too simple.
Nothing. Jackwell Finance charges zero broker fees. We’re paid a commission by the lender once your loan settles — at no cost to you. We disclose all commissions fully and transparently, as required by law, and we’re happy to explain the numbers in full.
Most lenders look for between 5% and 20% of the property value. With less than 20%, you’ll generally need to pay Lenders Mortgage Insurance (LMI) or use a family guarantor. First home buyers in WA may also qualify for the First Home Owner Grant and stamp duty concessions. For independent guidance, see ASIC’s MoneySmart home loan guide.
From application to settlement, refinancing typically takes 2–4 weeks, depending on the lender and how quickly your documentation is ready. We manage the process and keep in regular contact with the lender to make sure things move efficiently.
Yes. Eligible buyers purchasing or building a new home in WA may qualify for the First Home Owner Grant. Conditions apply around property type, value caps, and residency requirements. Contact us and we’ll help determine your eligibility and how to apply.
Yes, if you have sufficient equity. Rolling higher-interest debt into your home loan can significantly reduce monthly outgoings. However, you’re extending the repayment term, so it’s important to understand the full picture. We’ll model the numbers honestly before recommending anything.
Pre-approval means a lender has assessed your finances and indicated they’d likely lend up to a certain amount, subject to finding a suitable property. Full approval is granted once a specific property has been valued and assessed. Pre-approval puts you in a stronger position when making offers.
We recommend reviewing every 2–3 years, or whenever your circumstances change significantly. The lending market evolves constantly. We offer free ongoing loan reviews for all our clients, with no obligation to act.
Ready to talk?
Find a loan that actually
Find a loan that actually
works for you.
Free consultation. No obligation. We’ll come to you — home, office, or wherever suits. Day, evening, or weekend.
No broker fees
50+ lenders compared
Perth locals
Day, evening & weekend