If you’re looking for a home loan, Loan + Finance Brokers is here to help.
We compare thousands of loan options from over 90+ lenders and show you products that’ll help you keep more of your hard-earned money where it belongs – in your wallet.
At Loan & Finance Brokers, our team of dedicated mortgage brokers help Australians navigate the complexities of expanding their property portfolio, buying their first home, or securing loan approvals. We understand that not every financial goal fits neatly into a box, and we're here to provide tailored solutions. We see ourselves as mortgage problem solvers who thrive on challenges, committed to making your property ownership journey smooth and successful.
All our brokers are Degree-qualified/tertiary-educated and have the Diploma of Finance and Mortgage Broking Management.
90+ lenders
We maximise your chances of approval, even with complex incomes, high borrowing needs, poor credit, or unique securities. More lenders mean more options to find the right loan for you.
Tech forward
Enjoy efficient, streamlined processes with the latest technology, including bank statement capture, ID verification, online applications & digital document signing.
award winning
Multiple awards and nominations including; WA Better Business Awards 2025 - Best Boutique Brokerage (Finalist) and WA Better Business Awards 2025 - Best Loan Administrator (Finalist)
Well reviewed
Our reviews testify to the level of service we offer. We’re confident you will not receive this level of care by going elsewhere. Check us on on RateMyAgent!
WA based
We’re a WA-owned and operated business.
No fees
No fees and no clawbacks. All our services are free of charge to you.
TRANSPARENcy
Commission & clawback charts are provided when comparing loans. Ensuring 100% transparency with you on our remuneration.
Unlimited Checks
Free checks and reports. Receive complimentary CoreLogic property reports, Equifax credit reports, upfront lender valuations, loan health checks, and more.
Free trailer
We offer you free use of our 7x4 900mm caged trailer to help you with your move!
Get started with our free guides
Becoming a first home buyer
This is a basic text element.Buying your first home is an exciting, but big step to take and one that comes with many questions and decisions. The two big questions are how much you can borrow and what are your likely repayments to be.
As time marches on, situations change. Perhaps you’ve changed jobs? Or there’s a new addition to the family? Maybe you would just like a better rate or maybe you want to start that renovation project.
Having the right people to help you is key when investing in property. Do your homework on the property market before you dive in, and we’ll be thrilled to help you when it comes to financing your decision.
Trustindex verifies that the original source of the review is Google.
10/10 broker! . Luke went above and beyond to help us secure a sizable home loan before the sale of our existing home and offered invaluable advice that ultimately led to the purchase of our forever home without a subject to sale offer. He worked tirelessly to meet tight deadlines, thinking outside the box to make it happen, and successfully secured our loan through People’s Choice. Luke’s dedication and expertise made the process smooth, and we couldn’t recommend him more highly.
Posted on
Tashi Harrower
Trustindex verifies that the original source of the review is Google.
Very efficient and professional service
Posted on
Lauren “chookster” Coffey
Trustindex verifies that the original source of the review is Google.
I’m a first-home buyer and I couldn’t have dreamed of a smoother process. Barron Tang-Smith at Loan + Finance Brokers made the process so easy. His professional advice and his handling of matters ranging from financial to legal meant that I was prepared to put in offers far sooner than I’d expected, and spend far less than I’d anticipated. He went above and beyond in supporting me through the settlement process, including identifying an issue and ensuring it was corrected with plenty of time. I cannot recommend his services highly enough. Thanks, Barron!
Posted on
davo h
Trustindex verifies that the original source of the review is Google.
If you’re reading this, don’t bother looking elsewhere.
Let me try and be short… here’s my top 3 reasons why I HAVE recommended Barron at L+ F to friends even before we finished the mortgage process (and keep in mind my family also recommended L+F Brokers to me!):
Communication with Barron: you’re met with clarity, professionalism and eagerness. Barron listens and translates your desires in a mortgage efficiently into options that are SPECIFIC to you.
Stress reduction by working with Barron and L+F Brokers was SIGNIFICANT through a systematic approach to their work, with clear and concise documentation, without useless fluff. That meant that the pertinent information was always presented as the headline and there wasn’t sneaky t&cs veiled in overwhelming info. YOU and YOUR needs are always first.
Punctuality and professionalism by Barron was second to none. Phone calls, texts, emails always received meaningful replies. Me (as a pretty organised person) felt like I was the one holding things up if anything, because Barron was always trying to deliver milestones in the mortgage process rapidly.
We were lucky to have worked with Barron. It’s rare I take the time to draft and post such a detailed review, but that’s a reflection that of the sincere thankfulness I feel.
Posted on
Luke Millar
Trustindex verifies that the original source of the review is Google.
Luke was excellent to work with. Even after a setback, he stayed committed and found exactly what I needed. He’s easy to talk to, and communicates clearly. His market knowledge is spot on and he kept me updated every step of the way. Highly recommend.
Posted on
April Tacalan
Trustindex verifies that the original source of the review is Google.
Loan+Finance Brokers were a great team and our experience with them was amazing. Barron Tang-Smith was incredibly patient throughout the entire process, always available to answer questions and provide guidance. We really appreciated how responsive and accessible he was — whether by phone or email, he made time to chat and walk us through every step. Their knowledge of the mortgage process was evident and gave us a lot of confidence in our decisions. We truly felt supported the entire way through and would highly recommend them to anyone looking for a reliable and professional mortgage brokers.
Posted on
P. Mladenovski
Trustindex verifies that the original source of the review is Google.
Barron Tang-Smith was absolutely fantastic as our mortgage lender! As first time buyers, and not native speakers we definitely needed some help navigating the ins and outs of the process, costs, what to expect etc. Barron took time to walk us through every question and process and made time for us whenever we needed something. From our first conversation he explained each and every option that was available to us. In a truly insane process, Barron was the most helpful person a first-time buyer could have hoped for. We will recommend Loan and Finance Brokers to our family and friends.
Posted on
Vicheka Phan
Trustindex verifies that the original source of the review is Google.
We had an outstanding experience working with Barron from start to finish in securing finance for our first home purchase. Barron guided us through every step with professionalism, clear communication, and incredible attention to detail.
He went above and beyond to handle complexities in our application, kept us fully informed, and worked tirelessly to ensure a smooth approval process. We always felt confident knowing we were in great hands.
Highly recommend Barron to anyone looking for a knowledgeable, dedicated, and truly supportive broker.
Posted on
Isabel Rowley
Trustindex verifies that the original source of the review is Google.
Really great experience with Michael and Sue, they educated and supported us the entire way through the process. Couldn't have asked for a better duo to get us through it!
Posted on
Craig Bermingham
Trustindex verifies that the original source of the review is Google.
Luke was absolutely outstanding from start to finish. Our scenario involved a guarantor loan with family members, and he made the process seamless, respectful, and stress-free. He liaised with our real estate agent, always kept us updated, and was in our corner the entire time. When things got tight with finance, he went above and beyond, even pushing the deal through with ANZ late in the day to secure approval. Luke’s service, communication, and commitment are second to none. We couldn’t recommend him highly enough.
Load more
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Suite 5, Level 1, 1321 Hay Street West Perth, WA 6005
Luminosity Holdings Pty Ltd (ACN 163 290 435) ATF the Luminosity Trust (ABN 44 624 297 716) Luminosity Holdings Pty Ltd (Credit Representative 480368) is a Credit Representative of QED Credit Services PTY LTD (Australian Credit Licence 387856).
This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
