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Loans Perth

Lowest Interest Rates in Perth

Get the best value on your loans with Alltime Investments. We reassess your loan every 6 months to ensure you're always getting the lowest interest rates available in the Perth market. Trusted by first home buyers, investors, and families across Western Australia.

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Modern Perth cityscape representing home loan opportunities

Expert Mortgage Brokers

Find Your Perfect Home Loan

Whether you're buying your first home, refinancing, or investing in property, as Alltime Investments holds its own Australian Credit Licence, we have access to 30+ lenders to compare and find the best loan rates tailored to your unique situation.

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Comprehensive loan services including home loans, commercial loans, SMSF loans, and FIFO loans in Perth

Comprehensive Loan Services

Home Loans, Commercial, SMSF & More

From first home buyer loans and refinancing to commercial loans, SMSF lending, FIFO loans, debt consolidation, and equipment finance-we provide personalised mortgage solutions for every need. Plus, we reassess your loan every 6 months to ensure ongoing value.

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Contents

Alltime Investments Presents...

Pathfinder Wizard

Answer a few simple questions to discover your borrowing power and get an estimate of how much you could borrow for your Perth home loan

1

Loan Purpose

Tell us why you're looking for a loan-whether you're buying your first home, refinancing, investing, or just exploring your options. This helps us tailor our recommendations to your specific goals.

2

Employment Type

Share your employment situation. Different work types (full-time, casual, FIFO, self-employed) have different lending criteria, and we'll match you with lenders suited to your circumstances.

3

Financial Position

Provide your income and savings details. This helps us calculate your borrowing power and determine which loan products and deposit requirements are suitable for your financial situation.

What brings you here?

Pathfinder Wizard

Who We Help in Perth

Our loan services will help make your dreams come true. From first home buyers to experienced investors, we provide personalised mortgage solutions across Perth and Western Australia.

First Home Buyers
First Home Buyers
Navigate the first home buyer journey with expert guidance. Access government grants, stamp duty concessions, and competitive home loan rates tailored for first-time property buyers in Perth.
FIFO Workers
FIFO Workers
Specialised FIFO loan solutions designed for fly-in-fly-out workers. Understand your borrowing power and access flexible repayment options that work with your unique work schedule.
Property Investors
Property Investors
Maximise your investment portfolio with competitive investor loans. Access equity, refinance existing properties, and explore SMSF lending options to grow your property investments.
Refinancing
Refinancing
Lower your monthly repayments and save thousands with our refinancing service. We compare rates from 30+ lenders to ensure you're getting the best deal on your existing home loan.

Myth vs Fact

Separating home loan myths from the facts about borrowing in Perth

Myth #1

You need a 20% deposit to buy a home in Perth.

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Fact #1

Many lenders accept deposits as low as 5-10%, and first home buyer schemes like the First Home Guarantee can help with even less.

Myth #2

You can only get a home loan if you have perfect credit.

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Fact #2

Lenders consider many factors beyond credit score, including income stability, savings history, employment type, and your ability to service the loan. Good credit helps, but it's not the only factor.

Myth #3

You must be employed full-time to get a home loan approved.

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Fact #3

Self-employed, casual, and contract workers can qualify with proper documentation of income. FIFO workers, freelancers, and part-time employees all have access to specialised lending options tailored to their employment type.

Myth #4

You can't buy a home if you have existing debt.

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Fact #4

Having manageable debt doesn't prevent home ownership-lenders assess your overall financial capacity and debt-to-income ratio. Credit cards, personal loans, and existing mortgages can all be factored into your borrowing power calculation.

Myth #5

The lender will reject you if you've changed jobs recently.

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Fact #5

Job changes are common, and lenders look at your overall employment history and current income stability. Changing jobs in the same industry or advancing your career often won't negatively impact your application.

Myth #6

You need to save for years before buying a home in Perth.

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Fact #6

With the right strategy and government schemes like the First Home Owner Grant and First Home Guarantee, you could be in your own home sooner than you think. Many first home buyers secure properties with deposits as low as 5%.

First Home Buyers Save $45,000
FIFO Worker Refinances for Better Rate
Investor Builds Property Portfolio

Case Studies

First Home Buyers Save $45,000

Sarah and James were first home buyers in their late 20s looking to purchase their first property in Perth's northern suburbs. With a combined income of $95,000 and $35,000 in savings, they were concerned about securing a loan.

Through our first home buyer assistance program, we helped them access the First Home Owner Grant and secure a competitive rate of 5.89% with a 10% deposit. We also negotiated waived LMI through the lender's first home buyer package. They saved an estimated $45,000 over the life of their loan compared to standard rates.

Rates & Reality. Understanding the Real Cost of Your Perth Home Loan

Finding your best home loan quotes and borrowing power starts with understanding what really matters beyond the advertised rate.

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Quarterly Loan Reviews

Our unique service includes reassessing your loan every 6 months to ensure you're always getting the best rates available. While interest rates fluctuate, we continuously monitor the market and your loan terms to secure better deals.

This proactive approach means you don't have to chase better rates yourself-we do it for you. Many clients save thousands of dollars over the life of their loan through our ongoing review process.

Access to 30+ Lenders

As Alltime Investments holds its own Australian Credit Licence, we have access to 30+ major lenders across Australia. This means we can compare rates, features, and terms to find the perfect loan for your circumstances.

Whether you need a basic home loan, an offset account, redraw facilities, or specialised lending solutions, we search across our extensive lender panel to find the best match for your needs.

Understanding Your Borrowing Power

Finding the best home loan isn't just about the lowest interest rate. We assess factors like ongoing fees, loan features, offset accounts, redraw facilities, and signup perks like cashback offers or waived LMI (Lenders Mortgage Insurance).

The right loan for your financial needs may have a slightly higher rate but offer significant long-term savings through better features and lower fees. We help you understand the total cost of ownership, not just the advertised rate.

Alltime Investments - About Matt Brown

About Alltime Investments

Kia Ora Koutou Katoa! I'm Matt Brown, and I founded Alltime Investments to provide you with the lowest interest rates in the Perth market. I've been in banking and finance since 1982 and in Perth since 2000, bringing decades of experience to help you achieve your property goals.

Alltime Investments recognises that everyone's home loan needs are different, so it's important to compare the best home loans for you and your situation. Whether you're a first home buyer, a long-term investor, or want to refinance, finding the best home loan rate is a priority for you.

As Alltime Investments holds its own Australian Credit Licence, we have access to 30+ lenders across Australia that can help you with your finance needs. This direct access allows us to compare rates, features, and terms to find the perfect loan for your circumstances. Come talk to Alltime Investments—we always find the right fit for your situation.

Frequently Asked Questions (FAQs)

How do you guarantee the lowest interest rates in Perth?

While we can't guarantee specific rates (as they depend on market conditions and your individual circumstances), as Alltime Investments holds its own Australian Credit Licence, we compare over 30+ lenders to find the most competitive rates available. Additionally, we reassess your loan every 6 months to ensure you're always getting the best value, proactively refinancing when better deals become available.

What types of loans do you offer in Perth?

We offer a comprehensive range of loan services including home loans for owner-occupiers and investors, personal loans, commercial loans, SMSF loans, FIFO loans, equipment finance, debt consolidation, and insurance products. Our goal is to be your one-stop shop for all your financing needs across Perth and Western Australia.

How much can I borrow for a home loan in Perth?

Your borrowing capacity depends on several factors including your income, employment type, existing debts, credit history, and the property value. Typically, lenders use a multiplier of 4-5.5 times your annual income. Use our Pathfinder Wizard to get an estimate, or book a free consultation for a detailed assessment tailored to your situation.

Do you charge fees for your mortgage broker services?

In most cases, our services are free for you as a borrower. We receive commissions from lenders when we successfully place loans. However, we're transparent about all costs upfront, and if there are any fees (such as for complex commercial loans), we'll discuss these with you before proceeding. Our priority is finding you the best deal, not generating fees.

How long does the loan approval process take?

For straightforward home loan applications, pre-approval typically takes 1-3 business days, with full approval taking 2-4 weeks once you've found a property and provided all required documentation. Complex cases involving self-employment, investment properties, or SMSF loans may take longer. We keep you informed throughout the process and work efficiently to get you approved as quickly as possible.

Can you help with refinancing my existing home loan?

Absolutely. Refinancing is one of our core services, and we review your loan every 6 months to identify opportunities for better rates or features. We can help you refinance to lower your repayments, access equity, consolidate debt, or change loan features. The process typically takes 4-6 weeks, and we handle most of the paperwork on your behalf.

What makes Alltime Investments different from other mortgage brokers?

Our major point of difference is our commitment to ongoing service. We don't just set up your loan and disappear—we reassess your loan every 6 months to ensure you're always getting the best value. As Alltime Investments holds its own Australian Credit Licence, we have access to 30+ lenders, and founder Matt Brown (with over 40 years in banking and finance since 1982) personally ensures every client receives attentive, personalised service tailored to their unique situation.

Do you help first home buyers access government grants and schemes?

Yes, we specialise in helping first home buyers navigate the First Home Owner Grant, stamp duty concessions, and the First Home Guarantee Scheme (previously First Home Loan Deposit Scheme). We'll help you understand what you're eligible for, maximise your grants and concessions, and find lenders that support first home buyer programs. This expertise often saves first home buyers thousands of dollars.