Frequently Asked Questions

Mesh Finance is a Perth mortgage broker with an office located in South Perth, helping clients throughout the wider Perth metropolitan area.

We also have strong roots in the Perth Hills. I was born and bred in the Hills and still live locally, so we regularly assist clients in Kalamunda, Maida Vale, High Wycombe, Forrestfield, Gooseberry Hill and surrounding Perth Hills suburbs.

Whether you're based in South Perth, the Perth Hills or elsewhere across Perth, we can assist you in person, over the phone or online.

A mortgage broker can compare loan options from a range of lenders and help you understand which products may suit your circumstances.

At Mesh Finance, we do more than compare interest rates. We look at the loan structure, repayments, fees, features and your longer-term plans so you can make a confident, informed decision.

We have access to a broad panel of banks and non-bank lenders. This allows us to consider a range of options, including major banks, smaller lenders and lenders with more flexible policies.

The right lender isn't always the one with the lowest advertised rate. We'll also consider their lending policy, fees, loan features and whether the loan suits your plans.

Absolutely. You don't need to wait until you have saved your full deposit or found a property before speaking with us.

We can help you understand how much you may be able to borrow, the deposit and purchasing costs you'll need, and the steps you can take to prepare. We can also discuss any first-home-buyer schemes that may be available and relevant to your circumstances.

Yes. We can review your current loan and compare it with other options available.

Importantly, we consider more than the interest rate. We also factor in refinancing costs, establishment fees, ongoing package fees, cashback offers and loan features such as offset accounts and redraw facilities. This helps determine whether refinancing is likely to provide a genuine benefit.

Not necessarily. An offset account can help reduce the interest charged on your home loan, but products with an offset may have a higher interest rate or additional fees.

We can compare the cost of an offset loan against a lower-cost basic loan with redraw to help you decide which option may be more suitable for the way you manage your money.

Potentially, yes. Different lenders have different policies, so being declined by one bank doesn't necessarily mean there are no other options.

We'll take the time to understand why the application was declined and determine whether another lender or a different approach may be suitable. If you're not ready to apply yet, we can also help you create a plan for the future.

Yes. We regularly work with self-employed clients, including sole traders, company directors and people with less traditional income arrangements.

Different lenders assess self-employed income differently. We can review your available financial information and identify lenders whose policies may be better suited to your business and circumstances.

Yes. Debt consolidation may allow eligible borrowers to combine debts such as credit cards, personal loans, car loans or buy-now-pay-later accounts into one repayment.

We'll assess the costs, loan term and overall impact carefully. While consolidation may improve monthly cash flow, extending short-term debts over a longer home-loan term can increase the total interest paid unless additional repayments are made.

As early as possible. You don't need to be ready to apply for a loan.

An early conversation can help you understand your borrowing position, deposit target, likely costs and any changes that may strengthen your application. Having a clear goal often makes the process feel much more manageable.

We'll talk about your current position, what you would like to achieve and any plans that could affect your finances.

From there, we can explain the likely next steps and let you know which documents may be required. It's a relaxed, no-pressure conversation designed to give you greater clarity.

Yes. We can assist by phone, email and video appointment, making the process convenient wherever you are in Perth.

If you prefer meeting face to face, appointments can also be arranged through our South Perth office.