Websites for Perth mortgage brokers and brokerages, whether you hold your own credit licence or write loans as a credit representative: a lender list that can show Keystart beside the banks, first home pages that match the WA duty and grant settings in force since 7 May 2026, and an enquiry form that asks when the finance clause on a buyer's Offer and Acceptance falls due.
Someone landing on a Perth broker's site usually brings a WA-shaped question. Can you lend through Keystart? Has the new first home duty threshold changed what we can afford? We signed an offer on the weekend subject to finance; can you move before that date runs out? The site works when a borrower can see in a screen or two which of those you handle, that you're licensed, and how to reach you in Perth hours.
Keystart describes itself as an initiative of the WA Government and lists a bank among the things it isn't, lending from a 2% deposit with no lenders mortgage insurance. Brokers get accredited through an online module, then send Keystart a current MFAA or FBAA certificate and an AML certificate; accreditation lapses 12 months after the later of that module or your last lodged application. If you hold it, Keystart sits in your panel by name next to the banks. If it lapses, it comes off, and that edit is covered by hosting. We'd add its logo only if Keystart or your aggregator says you may.
A WA buyer who needs a loan signs the “Finance Clause Is Applicable” box on the Offer and Acceptance and may name a preferred lender, and Consumer Protection warns that a buyer who fails to get finance in time may see the contract terminated. So the form asks whether an offer is already signed, the date in its finance clause, whether a lender is named on it and the suburb. That date heads the email you receive. The contract itself and any ID stay out of the form.
RevenueWA now applies one set of first home owner duty thresholds across the whole state, for new and established homes alike, so a page still quoting separate Perth-and-Peel figures describes the old rules. Your explanation, a “last checked” date beside each figure and a link to RevenueWA let a buyer see where things stand while the detailed answer waits for your call.
A Perth first home buyer might be weighing the first home owner rate of duty, the First Home Owner Grant for a new home, a Keystart loan and the federal 5% Deposit Scheme, each run by a different body with its own caps. A short table naming each scheme, who runs it, what it covers and where to check eligibility does more than four paragraphs would. Every row links to the official page, so the limits stay the scheme's to keep current, not yours.
Credit licensing is national, and Moneysmart tells borrowers to check a broker's licence or credit representative status on ASIC's Professional Registers. Your licence line, whether an ACL number or a credit representative number with your licensee's details, should match what a borrower finds there. A link to your Credit Guide and a plain note on commission sit beside it, worded the way your licensee supplies them.
Perth stays on AWST all year with no daylight saving. A booking link set to the wrong time zone offers slots that are hours out, so we check that yours shows Perth times before launch. If you help buyers in Bunbury, Geraldton or Karratha, a line near the top saying you meet by phone or video tells them there's no need to come to your office.
If real estate agents, builders or settlement agents send you clients, give them a short form of their own, separate from the borrower's enquiry: their name and business, the client's name and number, and a tick box confirming the client agreed to be contacted. Referrals then reach you labelled as referrals, and the people sending them have an easy way to do it.
What stays national. A broker in Joondalup works under the same federal credit law as one in Hobart, with the same best interests duty, Credit Guide and register checks, and our main mortgage broker page walks through them. The Sydney broker page shows how far the state layer can differ. In WA that layer is RevenueWA's duty and grant settings, a home lender set up as a WA Government initiative with its own broker channel, and a contract process built on the Offer and Acceptance.
First home duty and the grant. RevenueWA's fact sheet, current at 28 July 2026, sets the first home owner rate for transactions entered into on or after 7 May 2026: no duty on a new or established home valued up to $600,000, and a concessional rate up to $800,000, wherever it is in WA. Vacant land is duty-free up to $450,000, with the concession running to $550,000. From 21 March 2025 until then, the home thresholds were $500,000, then $700,000 in the Metropolitan and Peel regions or $750,000 outside them, and the rate follows the date the agreement was entered into, not settlement. Eligibility still follows the First Home Owner Grant Act, but the duty rate is no longer tied to the grant's value cap. The grant is up to $10,000 for a new home, capped for transactions from 7 May 2026 at $800,000 south of the 26th parallel and $1,000,000 north of it, and each applicant must live there for at least six continuous months starting within 12 months of completion. Two details are worth a line on a broker's site: the application form can be lodged with an approved financial institution, so borrowers may ask whether you'll help with it, and a buyer who isn't approved or pre-approved before settlement pays duty at the general rate, then applies for a reassessment and refund once approved. A foreign buyer pays 7% foreign transfer duty even where the first home rate applies. The state's 2026–27 housing taxation package (opens in a new tab) sets out the changes.
Keystart and the federal scheme. Keystart's products include its Low Deposit Home Loan and the Urban Connect Shared Equity and Skilled Start home loans. When it lifted its limits in July 2024 it said property price limits would be reviewed periodically against annualised median house prices from REIWA, with income limits set by what's needed to service them; its home page now cites purchase price limits of up to $860,000, and REIWA notes higher income limits in the Kimberley and Pilbara. Since those figures move, your page is better spent on when you'd look at Keystart and when a bank loan suits, with a link to Keystart's site (opens in a new tab) for the limits. The federal 5% Deposit Scheme goes through a participating lender and has had no income caps since 1 October 2025. Its WA price cap is $850,000 for Perth and regional centres and $600,000 elsewhere, and Housing Australia's postcode search settles which applies.
Offers, finance clauses and settlement. Consumer Protection reminds buyers that WA has no mandatory cooling-off period for real estate contracts. On the Offer and Acceptance, a buyer who names a preferred lender isn't bound if that lender doesn't grant the loan; one who names none must use best efforts with at least one lender and tell the seller or agent immediately when a loan is approved or refused. Consumer Protection advises buyers who aren't suitably qualified lawyers to use a licensed settlement agent or a lawyer, and its settlement guide (opens in a new tab) warns that if the buyer, their settlement agent or their lender can't meet the agreed date, the buyer may pay penalty fees to the seller. For a broker that argues for a pre-approval page you've written, a form that captures the finance date and a short note on working with the buyer's settlement agent. Our Perth real estate page covers the selling agent's side of the O&A.
Perth borrowers, and us. At the 2021 Census, 40.0% of WA households owned their home with a mortgage, against about 35% across Australia. If you see clients in person, name the office and the areas you draw on, whether that's Joondalup and Wanneroo, Midland and the Swan Valley, Cockburn and Rockingham, or Mandurah in the Peel region. We're an Adelaide team on Hutt St and work with Perth businesses by phone and email. Adelaide runs 1.5 hours ahead of Perth, or 2.5 while South Australia is on daylight saving, so we fit calls around your day. We have no WA clients and haven't built a broker's site yet, and we'd rather tell you that now.
Neither of these is a broker, and both are in South Australia. One explains a scheme in plain terms and takes applications in stages; the other has an enquiry form with a separate route for professionals referring a client.
Club One holds South Australia's only Special Club Licence and returns gaming machine revenue to community groups. Its site runs a four-part grant application and has a page explaining gaming machine entitlements. A broker's Keystart and first home pages do the same kind of explaining, and a call-back form split into short steps stays easy to fill in on a phone.
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In-home aged care support across Northern Adelaide. The enquiry form includes a referral option for aged care providers, so a referral is marked as one when it arrives. The same idea gives Perth agents, builders and settlement agents their own way to pass you a client.
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$399
A solo broker: licence line, lender panel with Keystart if you're accredited, how you're paid, a booking link in Perth time and an enquiry form asking for any finance date.
Our suggestion for most Perth brokers
$899
Home, a WA first home page with the scheme table and dated links, and a “how we work” page on pre-approval, the O&A finance clause and commission.
$1,499
For a brokerage: broker profiles and a referral page for agents and builders, plus pages for first homes, house-and-land builds, refinancing, investors and regional WA.
For anything signed from 7 May 2026, yes. RevenueWA's fact sheet now gives one statewide set of home thresholds: no duty to $600,000 and a concessional rate to $800,000. The split figures, $700,000 in the Metropolitan and Peel regions and $750,000 elsewhere, cover agreements entered into from 21 March 2025 until 6 May 2026. Because the rate depends on the agreement date, a dated note on the older figures can still help clients who bought earlier. Changing the figures later is a text edit covered by hosting.
If you are, put it in the lender list. Accreditation runs 12 months from the later of finishing Keystart's online module or lodging your last application, so tell us if it lapses and we'll take it off. We'd link to Keystart for price and income limits rather than copying them: they're reviewed against REIWA's median house prices, and the Low Deposit Home Loan limit has moved from the $650,000 set in July 2024 to the figures Keystart shows now.
We'd keep contracts and ID out of a website form. The enquiry form asks only what helps you decide who to ring first: whether an offer is signed, its finance date, any preferred lender named and a rough price. The signed contract then goes through the secure portal your aggregator or CRM provides, behind a clearly labelled button.
Mainly that you work with them by phone or video, and that some settings differ up north. The First Home Owner Grant cap is $1,000,000 north of the 26th parallel against $800,000 south of it, and REIWA notes that Keystart's income limits are higher in the Kimberley and Pilbara. The 5% Deposit Scheme's WA cap is $850,000 for Perth and regional centres and $600,000 elsewhere, with Housing Australia's postcode search confirming which applies. A regional page linking each source saves you maintaining the numbers.
It fits the way we already work, since nothing is paid until you approve the site. We send a draft link to forward to your licensee's compliance team, use their licence and disclosure wording exactly, and make whatever changes they ask for. If they'd like to see the Keystart, first home or commission pages on their own first, we can send those ahead of the rest.
By phone and email. WebCraft Studio is an Adelaide (South Australia) team building sites for businesses around Australia; our current clients are in SA, NSW, VIC and QLD, none in WA so far. You send the words, headshots, licence details and lender list, we build the draft, and you pay once you're happy with it. We schedule calls for Perth hours and reply within 24 hours.
Send your licence or credit representative details, your lender list, Keystart included if you're accredited, and how borrowers reach you now. We'll quote, build a draft your licensee can check, and you pay only once it's approved.
We reply within 24 hours. Prefer email? info@webcraftstudio.com.au