First home buyers
Low-deposit options, the First Home Guarantee and WA grants, with support at every step of this big milestone.
Deposits from 5%
Family-owned mortgage brokers in Perth, WA
Partnered in Prosperity, Crafting Your Future
Whether you're buying your first home or growing your investment portfolio, we're here to guide you with tailored finance solutions that suit your goals.
- No cost to you in most cases
- No credit check to chat
- Award-winning service
What could my repayments be?
Understanding your borrowing power is the first step towards knowing what's possible.
Loan term
Monthly repayment$0
Loan amount
Total principal
Total interest
Estimate only, principal and interest. Excludes fees, LMI and rate changes.
Proud members of
Home loans
Home loans for every stage of life
Whatever you're planning, we'll find the loan that suits your goals and stay by your side from your first conversation to settlement day and beyond.
Pre-approval
Know exactly what you can spend, so you can make offers and bid at auction with confidence.
Shop with confidenceRefinancing
We check your loan against the market and only suggest a switch when the saving is worth it.
Free loan health checkInvestment property
Offset accounts, interest-only terms and loan splits structured to grow your portfolio.
Grow your portfolioDebt consolidation
Roll credit cards and personal loans into one simpler repayment, often at a lower rate.
One easy repaymentConstruction
Progress-payment loans that release funds at each build stage, so you only pay interest on what's drawn.
Staged drawdownsCommercial & business
Finance for business premises, equipment and growth, including options for the self-employed.
Low-doc optionsAnd more
Bridging finance, upgrading or downsizing, SMSF, car and personal loans. Just ask.
Tailored to youNot sure where to start?
Tell us your goals and we'll map out your options together.
About us
A familiar local face, now one of Perth's most respected brokerages
Thakkol Finances is a proudly family-owned Australian brokerage. Built on trust, genuine relationships and personalised service, we make finance simple, transparent and accessible, so you can make confident decisions today and for the future.
Wilson Thakkolkaran
Founder & Mortgage Broker
Authorised Credit Representative 527248
Chat with Wilson
Trustworthy
"We'll provide honest guidance and clear advice, helping you make confident decisions about your financial future."
Approachable
"Whether you're buying your first home or exploring your next investment, we're here to make the process simple and stress-free."
Professional
"With expert knowledge and tailored finance solutions, we help you navigate every step of your lending journey with confidence."
Supportive
"From your first conversation to settlement day and beyond, we'll be by your side to help you achieve your goals."
Personal
"Every client has a unique story, and we take the time to understand your goals so we can find the right solution for you."
Our mission
Helping our community achieve their property and financial goals with honest advice and personalised support.
Our vision
To be the finance partner our community turns to for trusted guidance, lasting relationships and life-changing opportunities.
How it works
From your first conversation to settlement day
We make the process as smooth as possible, and we're always happy to help if questions come up along the way.
- 1
Get to know you
A relaxed chat about your income, savings and goals. We'll tell you honestly what's realistic.
Free, no obligation - 2
Compare your options
We compare lenders and walk you through a shortlist, with the comparison rate and every fee explained.
Within a few days - 3
Pre-approval
We prepare and lodge your application and follow up with the lender, so you can make offers with confidence.
Usually 1–2 weeks - 4
Keys in hand
We coordinate the valuation, your settlement agent and the lender, right through to settlement day.
And we stay in touch after
Awards & recognition
Recognised by the industry, recommended by clients
Awards are lovely, but the best part is handing over another set of keys.
Client reviews
Five stars from the people we've helped
Our clients' words mean more to us than any award. Here's what they say about working with Wilson.
5.0
Google rating
Rates
The rate is only half the story
A low headline rate can hide annual fees and strict conditions. We compare comparison rates, offset accounts and break costs too.
Get your personalised rateExample rates Owner-occupier · 80% LVR
| Loan type | Rate p.a. | Comparison* | Features |
|---|---|---|---|
| Basic variable | 5.89% | 5.91% | No annual fee |
| Package variable | 6.04% | 6.27% | 100% offset |
| 2-year fixed | 5.79% | 6.18% | Rate lock |
| Investor variable | 6.29% | 6.33% | Interest-only |
Example figures for illustration only, not current offers. *Comparison rates are based on a secured loan of $150,000 over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Questions
What people ask us first
Can't see your question?
Give Wilson a call on 0422 132 080.
Does it cost me anything to use a mortgage broker?
In most cases, no. The lender pays us a commission when your loan settles. We'll always tell you how we're paid, in writing, before you apply.
Will talking to you affect my credit score?
No. Our first chat and borrowing assessment don't involve a credit check. We only run one when you've chosen a lender and asked us to apply.
Why not just go to my bank?
Your bank can only offer its own products. We compare loans across a panel of lenders, including smaller banks and credit unions that are often more competitive.
What documents will I need?
Usually photo ID, two recent payslips, three months of bank statements and details of any debts. If you're self-employed, we'll ask for BAS statements or tax returns instead. We'll send you a simple checklist after our first chat.
How much deposit do I need?
Most lenders prefer 20% to avoid lenders mortgage insurance (LMI). Some accept 5–10% with LMI, and the Australian Government's First Home Guarantee can help eligible first home buyers avoid it altogether.
Let's talk
Let's explore your options together
Tell us a little about where you're at and we'll be in touch. No obligation, no credit check, just honest advice.
Phone0422 132 080
Emailthakkolfinances@gmail.com
Based inPerth, Western Australia