Full-Service Finance & Mortgage Broker · Perth Northern Suburbs

Your Full-Service Finance Broker, Perth Northern Suburbs

From your first home to refinancing, investment, commercial and asset finance, Galway Finance helps borrowers across Perth Northern Suburbs compare suitable options from an accredited 60+ lender panel. First home buyers are a specialty.

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No obligation, and no credit check from a website enquiry.

60+ Lender panel

MFAA Member

Quick Answer

One Broker for Every Loan Type

Galway Finance is a full-service finance and mortgage brokerage across Perth Northern Suburbs, comparing suitable home loan, refinance, investment, commercial and asset finance options from an accredited 60+ lender panel. First home buyers are a specialty, with support on deposit pathways, pre-approval, lender policy and low-deposit scheme fit.

Reviewed by Callum Duffy, Finance Broker and MFAA member. Last reviewed: 20 June 2026.

First Home Buyer Specialty

Buying Around Eglinton, Alkimos, Yanchep, Two Rocks, Butler or Jindalee?

Start with borrowing power, your deposit pathway, whether a low-deposit government guarantee applies, construction lending basics and the documents lenders will ask for before you put time into offers or house-and-land packages.

First home buyer guide Estimate borrowing power

Your Broker

Expert Guidance from Callum Duffy.

Callum spent five years in financial planning before moving into broking, and brings that background to clear credit assistance, transparent comparisons, and suitable loan options from an accredited lender panel.

MFAA Member — Mortgage & Finance Association of Australia member

Cert IV & Diploma — Finance & Mortgage Broking

Best interests duty — applies to mortgage broking credit assistance

Cost and commission disclosure — lender commissions and third-party costs are explained before you proceed

Meet Callum

Full Service Range

Everything Under One Roof

A full-service brokerage covering home loans, refinancing, investment, commercial finance, asset finance and commercial SMSF lending, with dedicated first home buyer support across our Perth Northern Suburbs specialty.

Home Loans

First home buyers, upgraders and downsizers. We find the right rate, features, and structure for your situation.

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Refinancing

Review your current loan against suitable panel options and understand whether switching may be worthwhile after costs.

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Investment Loans

Grow your property portfolio with the right loan structure. We understand investor needs and APRA policy.

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Commercial Finance

Business property, development finance and commercial lending. Specialist structuring for complex deals.

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Car & Asset Finance

Vehicles, equipment and machinery for personal or business use. Clear lender options and competitive rate comparisons.

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Commercial SMSF Lending

Self-managed super fund commercial property lending. We navigate the complexity and identify lenders who support SMSF commercial lending.

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The Process

Simple. Transparent. Effective.

Three steps to a suitable lending pathway, with the key trade-offs explained clearly.

Tell Us Your Goals

A no-obligation discovery call to understand your situation, goals, and timeline.

We Compare the Market

We compare suitable options from our accredited panel of banks, credit unions, non-bank lenders and specialist lenders.

Application & Settlement

We manage your application process and stay with you through to settlement and beyond.

Tools

How Much Can You Borrow?

Get an indicative borrowing power estimate in 60 seconds. A broker assessment using lender policy may differ.

Uses a simplified serviceability buffer assumption

Instant estimate — no credit check required

Book an initial assessment to review lender policy and costs

All Calculators →

Annual income (gross)

Partner income (gross)

Monthly living expenses

Existing debt repayments (monthly)

Total credit card limits

Dependants

Employment type

Estimated borrowing power

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Estimated monthly repayment—

Assessment rate—

Assessed expenses—

Credit card commitment—

Indicative estimate only. Last reviewed: 16 June 2026. Assumes a 30-year principal and interest loan, 6.50% product rate with a 3.00% assessment buffer, estimated tax, an expense floor and no approval guarantee.

Get this checked against real lender policy

Our Commitments

What You’ll Always Know Upfront

Clear options, disclosed commissions, realistic timelines, and support through each step.

We compare suitable options across our accredited 60+ lender panel and explain the trade-offs clearly, including rate, fees, features, and policy fit.

Clear Options

Compare lenders with context

If a lender pays commission, we disclose it so you understand how the recommendation works and what costs may apply before you proceed.

Transparent Disclosure

Costs explained clearly

You get practical guidance from enquiry through application and settlement, with realistic timing based on lender policy and your circumstances.

Settlement Support

Help from start to finish

Our accredited lender panel includes:

ANZ CBA Westpac NAB Macquarie Bank ING Suncorp St George Bank of Melbourne Bank SA Bendigo Bank Bankwest BOQ Ubank AMP Bank Firstmac Pepper Liberty Financial La Trobe Financial +60 more

Common Questions

Frequently Asked Questions

Answers to the questions we hear most from first home buyers, refinancers, and investors.

Mortgage broking costs depend on your loan, lender, product and transaction. We disclose how Galway Finance is paid before you proceed, including any lender commission where relevant. Third-party, government, lender, valuation, legal and settlement costs may still apply.

Borrowing power depends on your income, expenses, debts, dependants, credit history, loan purpose and lender policy. Lenders assess loans at a buffered rate above the actual rate. Use our borrowing power calculator for an estimate, or book an initial assessment for a lender-policy review.

Not necessarily. Lenders Mortgage Insurance (LMI) often applies when your deposit is below 20% of the property value (LVR above 80%), unless an exemption, guarantor structure, lender pathway or government scheme applies. Under the Home Guarantee Scheme (HGS), the First Home Guarantee (FHBG) may let eligible first home buyers purchase with as little as a 5% genuine deposit without paying LMI. Confirm current scheme details with Housing Australia before relying on them.

Timing depends on the lender, application complexity, valuation requirements and how quickly supporting documents are available. We will explain what is needed and provide realistic timing based on the lender and your circumstances.

A fixed rate locks in your interest rate for a set period (typically 1-5 years), giving repayment stability during that fixed term. A variable rate moves with the market and lender decisions, and may offer more flexibility such as offset accounts or additional repayments. A split loan combines both structures.

Absolutely. Self-employed borrowers typically need 2 years of tax returns and financial statements, though some lenders offer alt-doc or low-doc loans for those who can’t provide full documentation. We have specialist lenders on panel who understand ABN income and trust structures.

If your current loan is more than 2 years old, there may be a better option available. We can review your current rate and features against suitable panel options and explain whether switching appears worthwhile after break costs, discharge fees, setup fees and other costs.

An offset account is a transaction account linked to your home loan. The balance in the offset reduces the loan principal for interest calculation purposes — so if you have a $600k loan with $50k in your offset, you only pay interest on $550k. It’s one of the most effective ways to reduce interest and pay off your loan faster.

Guides & Resources