Make My Finance is a local Australian mortgage broking service focused on delivering tailored home loan, refinance and personal lending solutions to clients across Fremantle, Mirrabooka and greater Perth. The business positions itself as a client-first broker that combines local market knowledge with lender access and practical, easy-to-follow advice to help borrowers at every stage of the property journey.
History, expertise and approach
Founded to simplify the mortgage process for busy homeowners, investors and first-home buyers, Make My Finance draws on direct industry experience and strong lender relationships to find competitive loan structures and interest rates. The broker provides one-to-one guidance from initial assessment through to settlement, emphasising clear communication, documentation support and proactive follow-up.
The team specialises in:
- Residential home loans and first-home buyer guidance.
- Refinance strategies to lower repayments or access equity.
- Investment property lending and structuring advice.
- Personal loans and debt consolidation options.
How Make My Finance works
Make My Finance uses a consultative process: an initial discovery to understand your goals, a comprehensive assessment of credit and income, lender comparison and recommendation, assistance with application and documentation, and ongoing support through settlement and beyond.
Services Offered
Make My Finance offers a range of finance services to suit different borrower needs. Each service includes an explanation of benefits and typical client outcomes.
| Service | Short description |
|---|
| Home Loans (Owner-Occupier) | Personalised mortgage selection for first-home buyers and owner-occupiers, with guidance on deposit options, government grants eligibility and loan features to match lifestyle and repayment goals. |
| Investment Property Loans | Specialist advice on investment lending, negative gearing impacts, interest-only structures and lender policies for property investors seeking to grow a portfolio. |
| Refinancing | Review existing loans to find lower rates or better terms, consolidate multiple debts, or release equity for renovations or investment using comparative lender analysis. |
| Personal Loans | Unsecured and secured personal lending options for renovations, major purchases or debt consolidation, with clear comparisons of fees and repayment terms. |
| First-Home Buyer Support | Step-by-step assistance navigating deposits, government concessions, Lenders Mortgage Insurance (LMI) considerations and loan approval strategies for first-time buyers. |
| Pre-Approval & Loan Structuring | Pre-approval services to strengthen purchase offers and loan structuring advice to optimise repayments, tax impact and flexibility for future needs. |
| Referrals & Conveyancing Coordination | Connections to trusted conveyancers, accountants and insurers to streamline the settlement process and ensure all financial, legal and insurance aspects are coordinated. |
Why Choose Make My Finance
Make My Finance positions itself as a pragmatic, relationship-driven broker that combines local market expertise with broad lender panels to deliver competitive outcomes and a low-stress experience. Key differentiators include:
- Local focus: Experience with Fremantle and Perth property markets and lending conditions, helping clients make informed decisions aligned with local trends.
- Personalised service: One-on-one contact, tailored loan structuring and timely updates throughout the lending lifecycle.
- Wide lender access: Access to multiple lenders and loan products to compare offers, not limited to a single bank’s products.
- Transparent fees and communication: Clear explanation of broker fees (if applicable), loan costs, and comparison of interest rates and features.
- End-to-end support: Application assistance, document collection, coordination with third parties and post-settlement advice.
Client Reviews & Ratings
Make My Finance is listed in local business directories and profiles with positive client feedback for responsiveness and helpful advice. Example review highlights include punctual communication, thorough loan comparisons and patient explanations for first-home buyers.
Example review excerpts (paraphrased for brevity):
- "Very helpful broker who explained the loan process clearly and found a competitive rate."
- "Quick to respond, helped with documentation and liaised with the lender through settlement."
- "Helpful for refinancing — we reduced our repayments and consolidated debt effectively."
Average rating: Public listings show positive ratings but do not always publish a formal aggregate score; customers commonly report satisfaction in directory entries.
Pros and Cons
Pros
- Personalised local service: Direct broker contact and tailored recommendations for Fremantle and Perth borrowers.
- Wide product access: Ability to compare multiple lenders and loan features to find competitive outcomes.
- Time savings: Broker handles documentation, lender follow-up and application logistics to speed approvals.
- Guidance for complex cases: Support for first-home buyers, investors and refinance strategies that may need negotiation or variance approvals.
- Coordination with professionals: Referrals to conveyancers and accountants to simplify settlement steps.
Cons
- Transparency of fees: Some customers prefer an explicit, published broker fee schedule; make sure to confirm any brokerage or commission arrangements up front.
- Limited public reviews: While directory listings report positive remarks, publicly visible, verified review volume is moderate compared with larger national broker networks.
- Local coverage: Primary operations emphasise Fremantle / Mirrabooka and Perth — customers outside these areas should confirm service availability or remote service options.
Tips for Clients
- Prepare accurate ID, payslips, bank statements and details of existing debts before your appointment to speed the application process.
- Ask for a written comparison of loan features (offset accounts, redraw, fees) — not just headline rates.
- Clarify broker fees and whether the broker is paid by commission from the lender, a client fee, or a combination.
- Use pre-approval to strengthen purchase offers but understand any time limits or conditions the pre-approval includes.
Frequently Asked Questions (FAQs)
1. How can I contact Make My Finance to discuss my mortgage options?You can contact Make My Finance via the contact form on their website, by phone or email listed on their public directory profile; request an initial consultation to discuss goals and required documents.
2. Where is Make My Finance located and do they operate "near me" in Fremantle?Make My Finance serves clients in Fremantle, Mirrabooka and greater Perth; listings show a local address and they provide remote consultations if you are outside the immediate area—confirm exact service coverage when booking.
3. How do I book an appointment and what is the cancellation policy?Book through the website contact page or by calling the broker directly; cancellation policies vary, so request confirmation of appointment, any required deposits and cancellation terms when you book.
4. What payment methods and fees should I expect when using Make My Finance?Broker remuneration may come from lender commission and/or a client fee — always ask for a written disclosure of fees and preferred payment methods (bank transfer, credit card where accepted) before proceeding.
5. How can I read reviews of Make My Finance and what do clients say?Search local business directories and the company website for client testimonials; typical feedback highlights responsiveness, helpful explanations and successful refinancing or home loan outcomes.
6. Can Make My Finance help with refinancing and how long does the process take?Yes — Make My Finance provides refinance assessments and lender comparisons. Timeframes vary by lender and how quickly documentation is provided, but a typical refinance may take several weeks from application to settlement.
7. Do they assist first-home buyers with grants and LMI strategies?Yes — the broker can explain government grants and concessions and advise on options to limit or manage Lender’s Mortgage Insurance (LMI), including discussing deposit strategies and guarantor options.
Additional practical information
Before engaging any broker, confirm identity, licensing/industry registration, fee disclosures and the exact services included in your engagement. Make My Finance appears in local business directories and its website includes specific service pages for Mortgage Broker Fremantle and personal loans in Fremantle, which is useful for verifying offerings and contact details.
Website: https://makemyfinance.au/mortgage-broker-fremantle/
