First-home purchases
PTR Property Finance
Our Divisions
Property Finance Perth
PTR Property Finance launched in 2014 and brings the same market-wide approach PTR Finance Group is known for to residential and commercial property lending. From your first home to a commercial investment, our brokers help you get into the right property sooner and on the sharpest terms available.
First Home Buyers | Investment | Commercial Property | Refinancing | Self-Employed
Because we compare a panel of banks and lenders, we can match you to the loan that fits your goals, whether that is the stability of a fixed rate, the flexibility of an offset account, or a structure that suits self-employed or more complex income. We handle the legwork and the paperwork so you can focus on the property, not the process.
Refinancing an existing mortgage can free up equity or secure a better rate, and our team will show you honestly whether it stacks up before you switch. For business owners, we also arrange commercial property finance for purchase, development and investment, alongside the residential lending we are known for.
Whether you need stability or more flexibility to reach your personal or business goals, we tailor a solution to your needs and budget, then support you through settlement and beyond.
We can help you with:
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Investment property loans
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Commercial property finance
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Building & renovation projects
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Refinancing & restructuring
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Self-employed & low-doc loans
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Personal & commercial loans
Financing business equipment as well? See our asset finance division, or if you are on the land, agribusiness finance. For working capital to grow, explore cash flow lending. When you are ready, request a quote and our team will map out your options.
Frequently Asked Questions
Do you offer home loans as well as commercial property finance?
Yes. PTR Property Finance arranges both residential home loans and commercial property finance, so whether you are buying a first home, an investment property or a commercial premises, the same team can help across the whole picture.
Can PTR Property Finance help first-home buyers in Perth?
Absolutely. We guide first-home buyers through the whole process, from working out borrowing capacity and deposit to comparing lenders and any grants or concessions you may be eligible for, and we handle the paperwork with you.
Can I get a home loan if I am self-employed?
Yes. Self-employed and complex-income applicants are a core part of what we do. We work with lenders who understand business income and can consider low-doc options where full financials are not yet available, matching you to the ones most likely to say yes.
Should I refinance my existing mortgage?
Refinancing can free up equity, lower your repayments or give you a more flexible structure, but it is not always worth the switch once costs are counted. We will review your current loan and show you clearly whether refinancing benefits you before you commit.
Do you arrange investment property loans?
Yes. We arrange finance for investment properties, including structuring for tax efficiency and future purchases. We can also help investors release equity from existing properties to fund the next one.
How much deposit do I need to buy a property?
It depends on the lender, the property and your situation, but many buyers proceed with less than the traditional twenty per cent, sometimes with lenders mortgage insurance or a guarantor. We will explain the options and what each means for your repayments.
What is the benefit of using a broker instead of going straight to my bank?
A broker compares many lenders at once rather than a single bank's products, which means more options and often a sharper rate or a structure your own bank could not offer. We also manage the application and paperwork for you, saving you time and legwork.
