Why More First Home Buyers and Property Investors Are Turning to Mortgage Brokers in 2025 

“The best investment you can make is in yourself - and that includes getting the right advice when it matters most.”

- Warren Buffet

With interest rates still shifting and the cost of living squeezing Aussie households, more people are rethinking how they approach their home loan. Whether you’re a first home buyer, planning to purchase an investment property, or wondering "why refinance a home loan", one thing is clear - mortgage brokers are in demand.

As at the quarter ending March 2025, almost 8 out of 10 Aussie borrowers (76.8%) are now using a broker to arrange their home loan rather than going directly to a bank. So why the switch?

1. Access to More Options

If you go to a bank directly, you are only seeing their products. A mortgage broker shops your needs around a panel of lenders - major banks, second-tier and niche providers.

This actually does make a difference, especially to first home buyers or anyone establishing an investment property portfolio. The more choice you have, the better chance you have of finding something that actually suits.

2. Real Advice That Fits Your Life

So how do mortgage brokers operate? We ask questions and listen to get to know your goals. We set out your options clearly and identify a solution that suits your requirements and objectives.

Basically, we assist you in making informed choices without wasting hours doing all of the research yourself.

3. Assistance Navigating the Maze

Loan rules shift. Lender requirements & policies change. It's difficult to know all of this if you're not in it day by day.

A broker simplifies the procedure for you. We prepare your application, arranging the paper work and guide you through every step, from submission on your behalf to settlement and beyond.

4. It Usually Won't Cost You Anything

One of the best things about having a mortgage broker is that it usually won't cost you anything. We're paid by the lender you choose, once your loan settles. So you get expert advice without having to pay a fee beforehand.

In the very rare event that there may be fees payable, these are clearly marked upfront before any work commences.

5. Ongoing Support After Settlement

Securing a home loan is just the beginning. Life moves, interest rates change and sometimes you’ll want to review your options.

I stay in touch with my clients, whether it’s helping with a refinance estimate, reviewing your home loan health or answering questions like "why refinance a home loan?". Support doesn’t stop at settlement.

Thinking About What’s Next?

Whether you are a first home buyer, refinancing, or looking at your next investment property, I can help. As a mortgage broker in Perth, I work with clients around Australia, who need clarity, confidence and the right loan for where they're heading.

Reach out to me here for an obligation free strategy call so we can set up your personalised home loan plan moving forward.