Latitude Lane Finance Co. — mortgage & finance broking, PerthForty lenders. One straight answer.

We compare your loan across a 40+ lender panel, put the trade-offs in plain English, and tell you when staying put is the better deal. Broker fee $0 — the lender pays us, disclosed up front.

Book a free 15-minute call See what 0.50% is worth

MFAA member (demo)40+ lender panelBroker fee $0

What half a percent is worth

Slide the numbers to your loan. The solid line is the balance you'd owe at the first rate; the dashed brass line is the same loan half a percent lower. The gap between them is the reason brokers exist.

Loan amount$650,000

Interest rate5.89% p.a.

Compared against 5.39% p.a. — the same loan 0.50% lower. Both rates are illustrative.

Loan term30 years

Standard principal-and-interest amortisation, monthly repayments, no fees modelled. A real comparison includes fees, offsets and your circumstances — that's the 15-minute call.

balance at 5.89% balance at 5.39% the gap — money kept

Worked example — $650,000 over 30 years (illustrative rates)
Monthly at 5.89% p.a.	$3,851
Monthly at 5.39% p.a.	$3,646
Difference per month	$205
Interest saved over the term	$73,921

Monthly at 5.89%$3,851 /mo

Monthly at 5.39%$3,646 /mo

Difference$205 /mo

Interest saved over 30 yrs$73,921

Not financial advice. All rates on this page are illustrative examples, not offers or current market rates. This calculator ignores fees, offset balances and rate changes over time. This entire page is a demonstration build — see the note in the footer.

What we broker

Six kinds of lending, one method: compare the panel, show the working, recommend in writing.

First-home loans

Deposit strategy, WA and federal guarantee schemes, and a pre-approval that actually holds when you bid. We handle the paperwork the banks bounce back.

Broker fee $0 · pre-approval typically 3–10 business days, lender-dependent

Refinancing

A full cost-of-move audit — discharge fees, government fees, any fixed-rate break costs — before you commit. If staying is cheaper, we say so.

Broker fee $0 · typical switch costs $300–$700 in fees, lender-dependent

Investment lending

Interest-only terms, offset structure, and how the next purchase affects the one after. Built alongside your accountant, not around them.

Broker fee $0 · P&I and interest-only compared side by side

Construction loans

Progress-payment drawdowns matched to your builder's claim schedule, with interest charged only on what's drawn. We chase the valuations.

Broker fee $0 · staged drawdowns, slab to completion

Car & equipment finance

Chattel mortgage against lease, laid side by side with the balloon and the tax treatment visible. For sole traders and small fleets.

Brokerage disclosed up front · decisions often same-week

SMSF lending

Limited-recourse borrowing for fund property, run with your accountant and financial adviser in the room. We arrange the credit only — the advice on whether it suits your fund is theirs.

Specialist panel · fewer lenders, stricter terms — we know which ones

How we're paid, plainly: for home lending our fee to you is $0. The lender pays us a commission on settlement — typically an upfront and a small ongoing trail — and the exact dollar figures appear in your credit proposal before you sign anything. If a commercial or asset deal ever involves a fee, it's quoted in writing first.

Three steps, no homework

A 15-minute call

You talk, we listen: what you're buying or refinancing, income, deposit, timeline. No documents needed yet, no obligation at the end.

We compare in writing

We run your scenario across the panel and send a short written recommendation — the rate, the fees, our commission, and why this lender over the other thirty-nine.

Approval to settlement

We lodge, chase the lender, the valuer and the settlement agent, and keep you posted at every gate. You sign; we handle the rest.

What clients say

We'd had two pre-approvals lapse because the bank kept asking for the same payslips twice. Latitude Lane rebuilt the application around what my income actually looks like — casual loading and all — and we settled on the Bayswater place five weeks later.

The cost-of-move sheet was the thing. The "cheaper" rate we'd found ourselves turned out $1,400 dearer over two years once the fees were in. They moved us to a different lender entirely and showed the working line by line.

Second investment property. The structure mattered more than the rate — splitting the loan and keeping the offset against the right account. They explained it once, slowly, and then it just happened on schedule.

Reviews are demonstration copy for a fictional business — written to show tone and treatment, not real testimonials.

Subiaco office, Perth-wide practice

The office is on the Lane in Subiaco, but most of this work is a phone call, a video call and a settlement date. We take clients from Joondalup to Rockingham and out to the hills — and evening calls are normal, because you have a job.

Regularly working with buyers in:
Subiaco · Perth CBD · Scarborough · Joondalup · Bayswater · Victoria Park · Willetton · Fremantle · Cockburn · Ellenbrook · Midland · Armadale · Rockingham

Fair questions

How do brokers get paid — really?

The lender pays us a commission when your loan settles: an upfront payment (commonly around 0.5–0.7% of the loan) and a small ongoing "trail" (commonly around 0.15% a year) while the loan stays in place. You don't pay us anything for home lending.

Two honest footnotes: the exact dollar amounts appear in your credit proposal before you sign, and since the Best Interests Duty came in, brokers are legally required to recommend the loan that's best for you — not the one that pays the biggest commission.

Why use a broker instead of my own bank?

Your bank can only offer you its own shelf. We compare that shelf against about forty others — majors, second-tiers, non-banks — and sometimes your own bank sharpens its offer just because a broker asked. If your bank genuinely is the best fit, that's the recommendation you'll get; it costs us nothing to say so.

How much can I borrow?

It depends on income, debts, dependants and the lender's own serviceability buffer — and the same person can get answers $150,000 apart from two different lenders. That's why we don't publish a calculator promising one number. Fifteen minutes on the phone gets you a realistic range across the panel, not one lender's guess.

What does refinancing actually cost?

Typically $300–$700 all-in: a discharge fee from your old lender (usually $150–$400) plus government registration fees. If you're on a fixed rate, break costs can be much larger — we get the exact payout figure before recommending anything. Some lenders offer cashbacks that offset the lot; we count those in the comparison too.

How long does approval take?

Lender-dependent, honestly: the fastest on the panel turn a clean application around in 1–3 business days; the slowest take two weeks or more when they're busy. Part of our job is knowing who is fast this month and steering urgent settlements accordingly.

Is there help for first-home buyers in WA?

Usually yes — federal guarantee schemes that cut the deposit needed without lenders mortgage insurance, and WA stamp-duty concessions for first homes under certain thresholds. The criteria and caps change with budgets, so we check your eligibility against the current rules on the call rather than quoting numbers here that may be stale by settlement.

Book your free 15-minute call

Tell us where you're at and we'll call you back — within one business day, usually sooner. No documents, no credit check, no obligation. Just a straight read on your options.

Prefer to talk now? Call (08) 9000 0219.

Hours
Mon–Fri 8:30am–5:30pm
Evening calls by appointment — most clients book them.