Mortgage broker, Willagee WA
Mortgage Broker in Willagee
Willagee, in the City of Melville near Fremantle, has older homes alongside newer townhouses and infill on subdivided blocks. First home buyers and investors both buy here. We compare options from a panel of 40+ lenders.
Willagee home loans
Older homes, new infill and first buyers.
Townhouses and strata titles
Some newer Willagee homes sit on subdivided blocks, as survey-strata or strata lots. How the title is structured changes how lenders assess it, and some apply tighter rules to strata. Your settlement agent can confirm the title before you commit.
First home buyers
For a first home, the deposit size and the lender’s maximum LVR decide what works. Lenders mortgage insurance, schemes and WA duty concessions all play a part. Start with the borrowing power calculator and the LVR calculator.
Subdividing your own block
Some owners split their block to build a second home. That can be treated as a small development, with different lender rules from a standard home loan. Some lenders specialise in it; others avoid it.
WA duty
Western Australia has its own transfer duty rules, with an exemption or concession for some first home buyers. Check the current rules with RevenueWA, or get an estimate from our stamp duty calculator.
Questions
Common questions, straight answers.
Is a strata townhouse harder to finance than a house?
It can be with some lenders, depending on the scheme and the size of the complex. Others treat survey-strata lots much like houses. We check the specific property.
Can I use a government scheme to buy here?
Possibly, if you and the property meet the scheme’s rules and price caps. We can help you check what to look at, and the scheme provider confirms eligibility.
Talk to a mortgage broker about Willagee.
No obligation. No pressure. Just honest answers.
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan.