Looking for a mortgage broker in Perth?

Let me, the Perth Mortgage Specialist, help find you the ideal home loan for your financial situation and requirements - saving you time, money and stress.

Home Loan Types I Can Help You With

  • Basic Home Loans
  • Standard Variable Loans
  • Fixed Rate Home Loans
  • Split Rate Home Loans
  • Construction Home Loans
  • Low Doc Home Loans
  • Bridging Home Loans
  • Reverse Home Loans
  • Interest Only Home Loans
  • Honeymoon Rate Home Loans
  • Line of Credit Home Loans
  • Professional Packages

Associations & Memberships

MFAA Member
MFAA Member
10 Year MFAA Member
10 Year MFAA Member
MFAA Endorsed Mentor
MFAA Endorsed Mentor
AFCA Member
AFCA Member

Recent Reviews

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Excellent85 reviews
Posted on Google Google
Neil Constantine profile picture
Neil Constantine
15 days ago
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Excellent support from Michael and the team. Out third time using them.
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Chris Manners profile picture
Chris Manners
24 days ago
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Cannot recommend Michael and Sue highly enough. We had a very tight settlement to adhere to, and Michael managed to sort out (bridging) finance in 8 days. Great communication, and a lot of compassion for the situation. Both are wonderful people.
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David Faletti profile picture
David Faletti
28 days ago
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Michael, Sue and the team have made changing home loans the most efficient, personal and considered experience I could have hoped for. I felt like care and time was taken to account for my needs at every step of the process and I am grateful they were there to liaise with the various financial institutions on my behalf. Thank you
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Isabel Kelleway profile picture
Isabel Kelleway
53 days ago
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Michael has been amazing to deal with over the past year or so and genuinely cares about getting the best outcome for us. He’s always gone above and beyond to answer our questions in detail and has given us great advice throughout the whole process - from buying and selling property to helping us understand debt recycling. We honestly couldn’t recommend Michael highly enough. A great guy and 10/10 at what he does!
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Chong profile picture
Chong
96 days ago
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Simply the Best! Michael and his team (Sue, Joanne & April) is the team you want on your side for your successful property finance. Michael was thorough and offered options for me to choose from and answered all my question promptly and with details. He has my best interest at heart and gave me confidence with my purchase. Sue's guidance and follow up not just with me but also with other parties involved with the whole property transaction ensured the loan and settlement processes went smoothly and on time. Joanne and April provided fantastic support ensuring the whole process went smoothly and on time or earlier. The after-settlement care I got provided clarity going forward. Thank you, Michael, Sue, Joanne and April for all your help and efforts on another successful transaction!
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Kevin J profile picture
Kevin J
112 days ago
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Great! Outcome acheived. Friendly, attentive, understanding and comprehensive service. Catered to our situation. Highly recommend Michael and team! Thank you.
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Maria Caruso profile picture
Maria Caruso
112 days ago
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Michael is the best in the business! His knowledge and service is top notch! Highly highly recommend! He was on top of it at every step of the process, he made it a very easy and stress free!
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Lucas Theobald profile picture
Lucas Theobald
115 days ago
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Perth's best mortgage broker . This is our second time using Michael as our mortgage broker. He & his team are nothing short of exceptional! Great communication & always contactable when needed. We will never use another mortgage broker. It doesn't matter how easy or hard your next property purchase is, Michael & his team will find a way to make it happen. Special shoutout to Sue, she is an absolute gem & always a pleasure to deal with.
Posted on Google Google
taylor walker-matthews profile picture
taylor walker-matthews
179 days ago
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Home loan approval! Micheal and the team were very professional and responsive, they are both very easy to deal with and it made my experience a smooth and pleasant one. great vibes and easy to get along with they have covered every aspect and are very thorough.
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Gus D. profile picture
Gus D.
182 days ago
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Michael and his team absolutely worked their hardest to help us out. We were faced with some challenges, but Michael came up with solutions fast, and kept the ball rolling. It was a very rewarding experience to work along side people who know their field so well. Thankyou Guys!
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Divine Banada profile picture
Divine Banada
245 days ago
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Overall very satisfied. Michael was very professional and addressed all the questions my sister and I had about refinancing our loan and the loan division. His team demonstrated impressive knowledge and provided valuable support throughout the entire process. We're grateful we chose to work with Michael—he offered us a much better solution than our previous mortgage broker. Thank you again, Michael!
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Peter M. profile picture
Peter M.
265 days ago
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We had an excellent experience throughout our home loan process. A special thanks to Michael, Joanne and Sue, who provided outstanding support and professionalism from start to finish. They were always transparent, responsive, dedicated, knowledgeable, and took the time to explain everything clearly, which made the whole process smooth and far less stressful. Highly recommend!
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Rachel Grindlay profile picture
Rachel Grindlay
266 days ago
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Michael and Sue were such a pleasure to work with when we were buying our first home. From start to finish, they made the whole experience feel smooth, easy and well supported. I couldn’t recommend them highly enough to anyone buying or refinancing.
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piem piem profile picture
piem piem
269 days ago
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We had an excellent experience throughout our home loan process. A special thanks to Michael, Joanne and Sue, who provided outstanding support and professionalism from start to finish. They were always transparent, responsive, dedicated, knowledgeable, and took the time to explain everything clearly, which made the whole process smooth and far less stressful. Highly recommend!
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Elle Y. profile picture
Elle Y.
396 days ago
ProductReview star 1ProductReview star 2ProductReview star 3ProductReview star 4ProductReview star 5Verified
I would like to thank Sue which I recently received after-service support for my mortgage, and I am very impressed with the level of care and professionalism I experienced. Sue was not only knowledgeable but also patient in explaining everything in detail, making sure I fully understood the process. Thank you Sue and Michael.
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Mason Ruback profile picture
Mason Ruback
400 days ago
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Amazing Support. This is our second time working with Michael and it has been a pleasure again. Michael and his team are thorough and work hard to achieve the best results each time. We will be back again in the future and highly recommend Michael and the team!
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Steve profile picture
Steve
419 days ago
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I can’t recommend Michael from Perth Mortgage Specialist highly enough. From our very first conversation, Michael took the time to clearly explain all my loan options and scenarios, making sure I understood every step. He secured pre-approval for our loan quickly, and when the circumstances changed, he seamlessly managed the reapplication for bridging finance. Impressively, Michael and his team managed to get finance approval in only a week! Throughout the process, Michael and the team were always quick to respond to my calls and emails, providing clear, solid advice every time. Their professionalism and efficiency made the whole loan application experience stress-free. If you’re looking for a mortgage broker who genuinely cares and delivers outstanding results, Michael is the one to call.
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Isabel Rowley profile picture
Isabel Rowley
437 days ago
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Highly recommend working with Michael and Sue, we had reached out to them when buying an off the plan apartment a year before settlement date and they guided us throughout the entire process so smoothly. We appreciated their humour and education throughout the process making it easy but fun!
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Keith profile picture
Keith
596 days ago
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Michael and Sue are assisting us with our construction home loan. They have exceeded all expectations. The care factor and work rate from Sue has been amazing. Highly recommend.
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Alivia profile picture
Alivia
634 days ago
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I highly recommend Michael Harris from The Perth Mortgage Specialist. He is genuine, extremely helpful, and consistently goes the extra mile to secure the best possible rate. Michael’s quick responses make the entire process smooth and stress-free. His professionalism and dedication are outstanding, always prioritising his clients’ best interests.
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Liam Husband profile picture
Liam Husband
852 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Michael and Sue have given me the best experience I could possibly ask for in sorting out my home loan for my house and land as a first home buyer. They are both extremely responsive, thorough and friendly people to liaise with. I’m really grateful I’ve had them by my side for the finance part of my building journey. Thanks very much team!!
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Liam H. profile picture
Liam H.
853 days ago
ProductReview star 1ProductReview star 2ProductReview star 3ProductReview star 4ProductReview star 5Verified
Michael and Sue have given me the best experience I could possibly ask for in sorting out my home loan for my house and land as a first home buyer. They are both extremely responsive, thorough and friendly people to liaise with. I’m really grateful I’ve had them by my side for the finance part of my building journey. Thanks very much team!!
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Karina profile picture
Karina
990 days ago
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The team at Perth Mortgage Specialist provided excellent customer service and were always happy to help. Sue and Michael checked in throughout the process and even chased up bits and pieces to ensure we were not stressed throughout the process. Michael gave us more than adequate support and information to make choices about our home loan that best fit our situation and we are more than happy with the results. We are extremely happy with the service provided by the team.
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Hannah profile picture
Hannah
998 days ago
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Great customer service, offered tailored advice and found a competitive rate.
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Tashi T. profile picture
Tashi T.
1071 days ago
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Michael and his team provided us with exceptional service as first-time home buyers. They made the entire home buying process a breeze and kept us informed every step of the way. We were impressed with their prompt responses to our queries and their willingness to provide additional information whenever we needed it. We are grateful for their top-notch service and would highly recommend them.
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Leighton Boxy profile picture
Leighton Boxy
1247 days ago
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Mike and Sue assisted us renegotiate our rate with another lender and gave us sound advice going forward. Ultimately saving us $$$$. Highly recommend!
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Lachlan Mann profile picture
Lachlan Mann
1295 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Used Michael to help us sort the loan for our house purchase in Cockburn. Michael and Sue were awesome, helping us out every step off the way and making it easy to see what we had to do. Couldn't recommend Michael highly enough
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Sabrina Moeller profile picture
Sabrina Moeller
1403 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Outstanding Professional Service and Support. We would thoroughly recommend Perth Mortgage Specialists. Michael and Sue were so professional and helpful in guiding us through the process and finding the most appropriate loan. This is the second home loan we worked on with Michael and Sue. They answered all of our questions and were very quick to respond to emails and phone calls. I love to talk to Sue as she always be patient, answers my silly questions and makes us less stressed. :) Thank you so much.
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Karen Anne James profile picture
Karen Anne James
1427 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Great company, Great investors, it's only when a company serves her investors with truthfulness and reliability that it may produce great investors. This awesome company has been making thousands of people millionaires every year according to the company's info. At first I doubted, but at a point I decided to give them a trial and here I am now sharing my testimony. You too can benefit from this same company from anywhere around the world, you only have to contact one of the company manager person like Mrs Heyley crypto to help you grow your investment capital within a week, contact her via whatsapp number: +15513552580 or Email: heyleycrypto@gmail.com
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Mu Awiya Isma Il profile picture
Mu Awiya Isma Il
1430 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
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David Faletti profile picture
David Faletti
1568 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Michael Harris was referred to me as a friendly, trustworthy and effective mortgage broker. In dealing with Michael and Sue Whitehurst (credit analyst and customer support) they provide a service that is not only all things mentioned above but also thorough, comprehensive and accessible. They made my experience choosing a lender efficient and unbiased. Communication was clear and quick. Michael and Sue at The Perth Mortgage Specialists are hard working, generous people who went above and beyond for me and will do the same for you. While I may owe my lender a debt, I am also indebted to Michael and Sue for the time and effort they put in to securing me a very favourable loan. I look forward to maintaining Michael as my broker for future loan applications and cannot recommend him more highly.
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Andrej Renko profile picture
Andrej Renko
1677 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Do yourselves a favour and hire Michael to be your broker. He has blown my expectations out of the water both before signing up (doing all the maths) and during the process. He and Sue dealt with all the issues promptly and the settlement for the new house went through on the date that was scheduled.
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John Ross profile picture
John Ross
1879 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Excellent service from both Michael and Sue, helping us buy our first home. The entire process went through smoothly and efficiently. Highlight recommended for any mortgage needs
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Sam Dahm profile picture
Sam Dahm
2213 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
Michael helped get us through our first home loan and we couldn’t have done it without him. Super knowledgeable and most importantly approachable. 10/10 would recommend his services. Thanks again Michael 🏡
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Marcus Allen profile picture
Marcus Allen
2589 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
We can't thank Michael from The Perth Mortgage Specialist enough. We put an offer on a block in a new development in April 2018, which unfortunately didn't settle until July 2019 due to issues with the developer. Throughout this entire time Michael kept in constant communication with us and after our initial finance approval lapsed due to the delay in titles being issued he continued to work hard to find us the best deal possible. This was the fourth time we have used a mortgage broker and Michael is hands down the most professional, efficient and responsive broker we have dealt with guiding us through every step and making the whole process so easy and stress free on our end. We will definitely be using him again! Thanks, Marcus and Tanya
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Stuart Graves profile picture
Stuart Graves
2667 days ago
positiverecommendsTrustindex verifies that the original source of the review is Facebook.
I had Michael sort out 2 mortgages for me, one on an investment property and another on a owner occupier home. His service was EXCEPTIONAL! There is no way I would have been able to navigate the applications on my own. The rates Michael managed to score on each mortgage have been excellent too. I highly recommend using The Perth Mortgage Specialist
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Recent Awards & Nominations

2026 - Better Businesss Awards - Mentor Of The Year WA - Finalist

The Adviser Better Business Awards 2026

Finalist - WA Mentor Of The Year
2026 - Better Businesss Awards - Best Customer Service Office WA - Finalist

The Adviser Better Business Awards 2026

Finalist - WA Best Customer Service (Office)
2026 - Better Businesss Awards - Best Boutique Non-Franchise Office WA - Finalist

The Adviser Better Business Awards 2026

Finalist - WA Best Boutique Non-Franchise Office
2026 - Three Best Rated Mortgage Broker

Three Best Rated

2026 Top Three Mortgage Brokers In Perth
2025 - Better Businesss Awards - Best Loan Administrator - Finalist

The Adviser Better Business Awards 2025

Finalist - WA Best Loan Administrator
2025 - Better Businesss Awards - Best Boutique Non-Franchise Office WA - Finalist

The Adviser Better Business Awards 2025

Finalist - WA Best Boutique Non-Franchise Office
2025 - AFG Excellence Awards - Finalist

AFG Excellence Awards 2025

Finalist

Three Best Rated

2025 Top Three Mortgage Brokers In Perth
2024 - AFG Excellence Awards - Finalist

AFG Excellence Awards 2024

Finalist
2024 - Three Best Rated Mortgage Broker

Three Best Rated

2024 Top Three Mortgage Brokers In Perth
2023 - Better Businesss Awards - Best Loan Administrator WA - Winner

The Adviser Better Business Awards 2023

Winner - WA Best Loan Administrator
2023 - AFG Excellence Awards - Finalist

AFG Excellence Awards 2023

Finalist
2023 - Three Best Rated Mortgage Broker

Three Best Rated

2023 Top Three Mortgage Brokers In Perth
2021 - Better Businesss Awards - Best Customer Service Individual WA - Winner

The Adviser Better Business Awards 2021

Winner - WA Best Customer Service (Individual)
2021 - MFAA Excellence Awards - Customer Service Individual Award - Winner

MFAA Excellence Awards 2021

Winner - WA Customer Service Individual Award

My Panel of Lenders

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10 Reasons To Use Me As Your Perth Mortgage Broker

mortgage-broker-service-guarantee

1. Service Promise

All missed calls will be returned within 4 business hours and all emails received before 5pm will be replied to in the same day.
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2. Fully Accredited

Member of the Mortgage & Finance Association of Australia (577975), member of the Australian Finance Group and member of the Credit and Investments Ombudsman (M0030521).
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3. Highly Qualified

BSc Economics from the London School of Economics, Diploma of Finance and Mortgage Broking Management and a Certificate IV in Finance and Mortgage Broking.
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4. Perth Focused

Part of a WA owned and operated business whose focus is solely on the Perth market.
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5. Free Checks & Reports

Get complimentary RP Data property reports, suburb profiles and loan health checks.
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6. No Fees & No Clawbacks

All services come at no cost to you and there are no Clawback fees.
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7. Great Availability

Available to meet with you from 7 am to 7 pm weekdays and available on weekends.
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8. Large Lender Panel

Over 1400 products, from more than 30 lenders to select from.
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9. Post-Settlement Service

Our relationship does not end with the settlement of your loan. Call for help at any time, receive regular interest rate updates & newsletters, get home loan health checks and more.
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10. Confidentiality Assured

All information supplied is held in the strictest confidence and is handled in line with the 1988 Privacy Act.

Perth Home Loan Related Articles

See some of the best Perth mortgage broker articles below.

About Me

the-perth-mortgage-specialist-broker, Michael Harris
My name is Michael Harris, and I work as The Perth Mortgage Specialist. I'm a MFAA accredited Perth mortgage broker and I'm here to find you the ideal home loan for your financial situation and requirements - saving you time, money and stress.

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Contact Me

Days Available: Monday - Friday

Availability Times: 8:30 AM - 7:00 PM

Address: Suite 5, 1321 Hay St, West Perth, WA 6005
MFAA, AFG
Luminosity Holdings Pty Ltd (ACN 163 290 435) ATF the Luminosity Trust (ABN 44 624 297 716) trading as The Perth Mortgage Specialist.
Luminosity Holdings Pty Ltd (Credit Representative 480368) is a Credit Representative of QED Credit Services PTY LTD (Australian Credit Licence 387856).
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