The broker at the kitchen table.

Mool Bhargava founded Em Bee Finance in Thornlie after years of watching good people get pushed around by opaque bank processes. He’s an MBA in Finance, a member of Purple Circle Financial Services, and operates under Australian Credit Licence 486112.

But those credentials aren’t what most clients talk about at the settlement lunch. They talk about being listened to. About getting a text back on a Sunday. About being treated the same whether it’s a $350,000 first home or a $2.4m development.

Why a local broker

A broker who lives in Thornlie doesn’t need a spreadsheet to tell you what the market is doing in Canning Vale or Huntingdale. Local context matters — from strata quirks to which lenders are appetitive on which streets — and it’s something a call-centre broker cannot fake.

Serving Perth’s diverse communities

Em Bee Finance is proud to be a trusted name across Perth’s Indian and migrant communities. If English isn’t your first language, if you’re on a 482 or 189 visa, or if your income sits outside the tidy PAYG box the bank likes, Mool takes the time to translate the system for you.

“My job is to make the biggest financial decision of your life feel calm. Everything else follows from that.”