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PERTH MORTGAGE BROKER | Base Home Loans

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🌟 Welcome to Base Home Loans🌟

At Base Home Loans, we’re not just about helping you secure a loan; we’re about making your life easier and helping you build the foundation for your future. 🏡💫

Our why is rooted in real, down-to-earth family values. We understand that the journey to homeownership is more than just a transaction - it’s about creating a space where memories are made, where you can feel safe, secure, and proud. For us, it’s personal. We’re a family business, and we treat every client with respect and compassion. We listen, we care, and we work tirelessly to make sure you have the best experience possible.

Borrowing money can be overwhelming, but it doesn’t have to be. We know the challenges - the stress, the uncertainty, the endless paperwork, that lingering question mark if you’re doing the right thing. We’ve been there, and that’s why we’re here to simplify the process for you. Whether it’s your first home, your forever home, or an investment property, we’re here to guide you every step of the way and make it feel easy.

We are committed to keeping home loans human. In a world increasingly dominated by AI, systems and processes, we embrace elements of technology that make sense, while prioritising a good old fashioned chat, a heart to heart, compassion, empathy and the ability to problem solve when things don’t quite fit into the mould of an online calculator. We don’t just crunch numbers; we understand your dreams, your struggles, and your goals. It’s our mission to make sure you feel supported, confident, and at ease through every step of your home-buying journey - and beyond.

💛 At the heart of it all, we believe that everyone deserves a place to call home - a space where love, laughter, and life happen. And we’re here to help you get there.

👉 Ready to start your journey? DM us or visit http://basehomeloans.com.au and let us show you how we can make your dream home a reality.

#HomeLoans #FamilyValues #BaseHomeLoans #MakingItEasy #YourHomeJourney #WeCare #HomeSweetHome by @basehomeloans

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a year ago

At its meeting today, the Reserve Bank of Australia (RBA) has held the cash rate at 4.35%.

Today’s decision reflects the RBA’s cautious approach as it continues to assess inflation, economic growth and the impact of previous interest rate changes.

While inflation remains above the RBA’s target range, higher interest rates continue to weigh on household spending and broader economic activity. There also remains uncertainty around property prices following last month’s proposed taxation changes.

In a changing economic environment, staying informed about interest rate movements and how they may affect your financial position is important.

Whether you’re planning ahead or simply want to explore your options, I’m here to help. by @basehomeloans

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a month ago

Feel like you’re chasing your tail and can’t catch a break? A lower interest rate might help…at least until the next rate rise.

But if you really want to reduce the pressure of rising repayments, the bigger question is:

What is your actual plan to reduce the debt?

Too many borrowers focus only on shaving a few points off their rate, without looking at the bigger picture of loan structure, offset strategy, repayment habits, cash flow, equity, and how the loan is actually going to be paid down over time.

At Base Home Loans, we don’t just look for a sharper rate.

We help you build a loan strategy designed to reduce debt, improve control, and give you a clearer path toward becoming mortgage-free sooner.

Because the goal isn’t just a cheaper loan, it’s a smarter exit plan.

Book a loan review with Base Home Loans asap. by @basehomeloans

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2 months ago

First home buyers…
Does it feel almost impossible to buy right now?
You’re not imagining it.
Prices have risen.
Rents are high.
Borrowing capacity is under pressure.
And saving a deposit can feel like chasing a moving target.
But home ownership may not be completely out of reach.

Options to explore:
⚪️Guarantor loans
⚪️Low deposit schemes
⚪️WA stamp duty concessions
⚪️Buying a stepping-stone property
⚪️Improving your borrowing capacity

Your first home doesn’t have to be your forever home.
It just needs to be the right first step.
Hard does not mean hopeless.
There may be more options than you think.

We specialise in strategy when it doesn’t feel easy. Give Dan a call to see what your options are. by @basehomeloans

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2 months ago

The RBA cash rate is now 4.35%

The Reserve Bank of Australia’s cash rate target increased to 4.35% effective 6 May 2026, following a 0.25 percentage point increase.

For borrowers, this matters because interest rates affect both repayments and borrowing capacity.

When rates rise, lenders generally assess new borrowers more conservatively. That can reduce the amount some buyers are able to borrow, even if their income has not changed.

For existing mortgage holders, higher rates can also increase repayment pressure, especially for households that have not reviewed their loan for some time.

This does not mean every borrower needs to panic.

But it does mean this is a sensible time to check whether your loan structure, rate, offset, repayment strategy and lender still suit your situation. by @basehomeloans

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2 months ago

Subject sales in the Perth market right now just aren’t really hitting the same way and instead buyers are turning to Bridging Finance.

Bridging finance used to be seen as something you only used when timing didn’t line up, but that has now changed.

In Perth’s current market, it’s becoming a proactive strategy that allows you to:

📌 act quickly when the right property appears
📌 make stronger, cleaner offers
📌 avoid being tied to a “subject to sale” condition that is unlikely to put you on the top of the offer pile.

However, bridging finance is also becoming a tool for other scenarios outside of the buy/sell to fund a range of objectives.

If it’s something you’re not sure about but need to understand the ins and outs - reach out anytime for a chat. by @basehomeloans

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3 months ago

A strategy that is totally personalised but with a common goal - to get you debt free sooner. Imagine being totally unphased by the media circus, the RBA or the fuel prices. This is our intention for our clients. Secure the property, get the loan and then design an exit strategy so you can work towards a financial future without the noise.

👉🏼 Book a strategy session with Dan today by @basehomeloans

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4 months ago

Here’s what’s actually happening in the mortgage market right now.

We’re seeing three types of borrowers.

First, wait-and-see group.
They’re holding off because of uncertainty, rates, global events, cost of living.

Second are the refinancers.
These are homeowners who are asking, ‘Am I paying too much?’ And ‘where can I save?’ And they’re acting now.

And third, the strategic borrowers.
They’re getting pre-approvals, understanding their numbers, and preparing to move when the opportunity is right.

With everything happening globally, and ongoing decisions from the Reserve Bank of Australia…

This isn’t a market where you guess, it’s a market where you plan.

Historically, global economic shocks have seen prices go up - not go backwards. You could wait, but your borrowing capacity will likely decrease by the month as rates and cost of living climbs. There is a risk either way but we can help you decide which option is best for you right now - based on data.

If you want to understand your position, reach out and we’ll map it out clearly for you. by @basehomeloans

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4 months ago

Will Perth property prices come down in 2026?

It’s one of the most common questions we’re being asked right now. Hourly if not daily.

The honest answer is that no one can predict the property market perfectly, but looking at the fundamentals can give us some clues.

Right now, Perth is still dealing with very tight housing supply, strong population growth, and ongoing demand from both owner occupiers and investors. These factors have been a big driver behind the strong price growth we’ve seen over the past couple of years.

For prices to drop significantly, we would typically need to see things like a large increase in housing supply, rising unemployment, or much higher interest rates putting pressure on borrowers. At the moment, those conditions aren’t strongly present.

What we may see instead is a slowing of price growth rather than a sharp drop as the market finds a more balanced pace.

For buyers, the key takeaway is that trying to perfectly “time the market” is incredibly difficult. What often matters far more is having the right mortgage strategy, structuring your loan correctly, and making sure your purchase fits your long-term financial plan.

Whether you’re thinking about buying, refinancing, or planning your next property move, getting the right advice early can make a big difference.

If you’d like to talk through your situation and options, feel free to reach out for a mortgage strategy session. 🏡 by @basehomeloans

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4 months ago

As widely anticipated, the Reserve Bank of Australia (RBA) has increased the cash rate by 0.25% at today’s meeting, taking the official cash rate to 4.10%.

The decision reflects the RBA’s ongoing focus on returning inflation to its 2-3% target range, with the latest data showing inflation pressures remain elevated.

Recent economic indicators highlight:
⏩️ Headline inflation sits at 3.8% for the 12 months to January 2026, remaining above the RBA’s target range.
⏩️ Underlying (trimmed mean) inflation remains elevated at 3.4% for the 12 months to January 2026, signalling that broader price pressures across the economy are persisting.

The decision comes amid heightened uncertainty in the global economic environment, with ongoing geopolitical tensions contributing to volatility in energy and petrol prices. These developments typically flow through to higher transport and production costs across the economy, which can add to inflationary pressures at a time when inflation remains above the RBA’s target range.

In a changing economic environment, staying informed about interest rate movements and how they may affect your financial position is important.

Whether you’re considering purchasing a home, refinancing to review your loan structure, or exploring investment opportunities, it may be a good time to review your current lending arrangements and future plans. by @basehomeloans

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4 months ago

We thought about doing a Monday market up date but ya’ll probably know by now - Perth is still 🔥, supply is still tight and rates are still 📈

The more interesting story right now is how borrower behaviour is changing.
Across Australia and particularly here in Perth borrowers are becoming more strategic, more proactive, and more focused on long-term outcomes.

Perhaps the most interesting shift we’re seeing is psychological.

Borrowers are no longer just asking:
“How much can I borrow?”
Instead, more people are asking:
“How quickly can I eliminate this debt?”

We’re seeing more households model:
• their projected mortgage-free date
• how extra repayments shorten their loan
• how structure can reduce interest over time

Because the difference between a 30-year mortgage and a 20-year mortgage can be hundreds of thousands of dollars in interest.

And that might changes how you think about borrowing entirely. If you’re ready to speak to a broker who not only want to get you approved, but wants to help you be debt-free sooner then call Daniel to kick start your strategy today. by @basehomeloans

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5 months ago

We had multiple clients get their offers accepted last week in highly competitive, multi-offer scenarios. There’s no denying that this market is not for the faint of heart but with strategy and a little tenacity on your side, it can be done.

Step 1: Find a broker that will coach you through what’s required to get your offer over the line.

Spoiler alert: that’s not all brokers and it’s definitely not your bank.

If you’re serious about securing a property in a hit market, you’re going to need a clear strategy, data and someone who answers the phone to help when you need it most.

Serious buyers in Perth - we’ll talk soon.

#mortgagebrokerperth #firsthomebuyers #refinacing #perthpropertymarket by @basehomeloans

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5 months ago