Home Loan

Best Home Loan & Mortgage Broker In Perth

As a mortgage brokers in Perth, our clients range from first home buyers and local business owners to overseas property investors and professionals. Most of them not only look for assistance with selecting and tailoring financial and legal needs but also reducing the mortgage costs/ expenses. So far, we have been able to meet this expectation for them without jeopardizing FBAA,’s code of conduct.

Our Loan Services Include:

Kamal Sharma (Director of TFP) is an Accredited Mortgage Broker in Perth (CRN 484496) who can guide you through the complex process of acquiring a mortgage and connect with mortgage lenders. Due to our solid relationship with more than 28 lenders. We can confidently say that we can easily provide you with information on all the alternatives available to you when it comes to choosing a loan.

  • Residential home loan
  • Refinancing
  • Investment home loan
  • Debt Consolidation
  • Should you required confidential discussion based on your scenario please contact us on 0893196840 or 0401450434.

Home Loan

Whether you are a first home buyer or you are keeping an eye for an Investment Property, our team has expertise in providing one-stop mortgage broking services. Kamal Sharma (Director of TFP) is an Accredited Mortgage Broker in Perth (CRN 484496) who can guide you through the complex process of acquiring a mortgage and connect with mortgage lenders. Due to our solid relationship with more than 28 lenders, we can boastfully say that we can easily provide you with information of all the alternatives available to you when it comes to choosing loan.

We have wide array of services to fulfill your loan requirements, including but not limited to:

  • Residential home loan
  • Investment home loan
  • Refinancing
  • Debt consolidation

Car Loan

If you’re a family needing a spacious SUV, or a single person wanting a hot hatchback, owning a vehicle is an absolute necessity. You may need a car loan for your transport needs, and TFP can help in this matter.

At TFP, we understand that having your own reliable, affordable, and comfortable mode of transport is essential to you, your family, and your business. We are dedicated to helping you get it and proudly have access to secured loans for both new and used vehicles.

Refinance

Refinancing is the process of taking out a new mortgage to replace an existing loan, which can be with the same lender but in most cases involves switching to another bank or lender.

Our team can help you scrutinize your ever-changing personal finance circumstances and can help:

  • Get a better interest rate or different features such as redraw facilities or flexible payments for your existing loan/finance arrangements.
  • Use the equity in your home to borrow money to renovate/new car/holiday etc.
  • Consolidate multiple debts into your mortgage so it’s easier to manage your finances.

KEY POINTS A FIRST HOME BUYER SHOULD KNOW IN WA

While buying your first home can be overwhelming, there are a few helpful ways to ensure your experience is a smooth one.

Here are our top four tips for new home buyers.

1. Find the Right Broker for Your Home Loan.

Finance / Mortgage brokers provide you expert advice or range of borrowing options, however finding the right one is essential as they are the one to guide you through out the process.

2. Calculation of Borrowing Capacity

One should be realistic about current financial situations, also about future costs and monthly mortgage payments they can afford.

Using serviceability calculators from different banks to calculate borrowing capacity and household budget calculators can help in better planning.

3. Genuine Saving & Fund to Complete

Deposit can be in the form of saving and non-saving. Usually, lenders require 5% of purchase price as genuine saving while acquiring a home loan. But a saving of bigger amount can benefit you in more ways like lower interest rate and lower repayments. Likewise having deposit of 20% or more, avoids the extra cost of Lenders Mortgage Insurance.

See if you are eligible for government grants and stamp duty concessions available for first home buyers, which may vary from state to state.

4. Find the Right Home

Once you have a clear picture of how much you can afford, make sure you explore your full range of options in terms of where you will live, as well as the kind of house you want. Do a research for local available services and decide which housing option best suits your lifestyle.

If you need any confidential discussion regarding your home loan, car loan or refinancing requirements, please contact our senior Mortgage Brokers us on 08 9319 6840 or 0401 450 434.

FAQS

Frequently asked question

  • No Appointment Needed: If you can’t make it in person with Tax Agent, we make the process simple and quick, online or over the phone.
  • Same-Day Completion: Send us your full details, and we can complete your tax return on the same day.
  • Expert Support: Your allocated Tax Accountant is always available to answer questions, either online or by phone.
  • Maximized Refunds: A qualified Tax Accountant will check your return for extra deductions, ensuring you get the maximum refund possible before it’s submitted to the ATO.
  • Confidence in Accuracy: Consumer surveys show that the #1 reason people choose TFP Tax Accountants is for the peace of mind that their tax return is done correctly. We ensure any mistakes are corrected to avoid delays or ATO issues.

Tax Return for Individuals

  • Individual Tax Returns: Preparation and filing of tax returns for all professionals.
  • Sole Trader Tax Returns: Assistance with tax returns for sole traders.
  • Rental Income & Negative Gearing: Guidance on tax implications of rental income and strategies for negative gearing.
  • Capital Gains on Rental Property, Shares, and Crypto Currencies: Advice on capital gains tax related to rental properties, shares, and crypto currency.
  • Employee Share Schemes: Support with tax matters concerning employee share schemes.
  • Income from Partnerships, Companies, and Trust Distributions: Assistance with tax obligations arising from income received from partnerships, companies, and trusts.
  • Redundancy & Employment Termination Payments: Guidance on tax implications of redundancy and employment termination payments.
  • Income from Australian Government Payments, Pensions, and Superannuation Income Streams: Advice on taxation of income from government payments, pensions, and superannuation income streams.
  • Interest Income, Franked and Unfranked Dividends: Support with tax matters related to interest income and dividends, both franked and unfranked.


Small Business Accounting:

We offer a comprehensive suite of services tailored to small businesses, including:

  • Entity Structuring: Assistance in selecting the most suitable business structure—such as sole trader, partnership, company, family trust, or unit trust—to optimize tax efficiency and operational effectiveness.
  • Bookkeeping & Payroll Management: Provision of accurate bookkeeping services and efficient payroll management to ensure compliance and streamline financial operations.
  • Superannuation and BAS Reporting: Guidance on superannuation obligations and preparation of Business Activity Statements (BAS) to meet regulatory requirements.
  • Annual Tax Returns & Financial Preparation: Preparation and filing of annual tax returns, along with comprehensive financial statements, to support informed decision-making.
  • Tax Planning & Business Advisory Services: Strategic tax planning and advisory services to foster business growth, enhance profitability, and ensure long-term financial success.

Our goal is to provide personalized solutions that align with your business objectives and ensure compliance with Australian tax regulations.

For Home Buyers:

  • Home Loan Application Preparation & Lodgement,
  • Calculating Borrowing Capacity.
  • Refinance & Debt Consolidation,
  • Assisting on Investment Loan structuring,
  • We provide guidance for new startup businesses, ensuring they structure their entity correctly based on your specific circumstances.
  • We can provide you with a clear outline of the compliance tasks you need to manage.” Such as GST Registration, PAYG Registration, FBT, Fuel Tax Credit etc.
  • We can provide you with an annual calendar that outlines all the necessary lodgments and reporting compliance deadlines.
  • You’ll have peace of mind knowing your business is being handled by the right accountant.

Our consulting services include, but are not limited to:

  • Tax compliance and reporting
  • Business structure evaluation
  • Cash flow review and forecasting
  • Payroll management
  • Financial health check for existing businesses

“We are proficient in working with various accounting software, including Xero, MYOB, QuickBooks, and any other platform where your business records are kept.”

Let's Talk

Get In Touch

Our clients range from individuals and business owners to overseas property investors and professionals. They often require assistance beyond tax returns and business accounting, seeking guidance on tax planning and various financial and tax-related matters. Our Business Accountants, Tax Agents, and Tax Advisers are available year-round to discuss and support your personal and business needs.