Buy a home in Perth, even if you are new to Australia
Moving countries is complex enough without trying to decode mortgage rules. Em Bee Finance helps new Australians understand visa requirements, deposit rules and which lenders will work with you.
Who this is for
Is this the right conversation to start?
You are a permanent resident or citizen new to Australia and want to buy your first home.
You are on a skilled visa and want to know if you can get a loan.
You have overseas income or credit history and are unsure how lenders view it.
You want someone to explain Australian lending terms, grants and the buying process.
How it works
Four steps, no surprises.
Check your residency and visa status
We confirm which lenders accept your visa type and what deposit and documentation they require.
Assess your income and deposit
We review local and overseas income, savings, and any gift or family support that can count toward your deposit.
Match you to the right lender
Not every lender accepts new-Australian borrowers. We shortlist the ones that do and match your profile.
Guide you to settlement
We explain each step, from contract signing to valuation and key handover, in plain English.
New to Australia does not mean new to the back of the queue.
Em Bee Finance, Perth
The benefits
Why clients choose Em Bee Finance.
Mortgage advice for permanent residents, visa holders and new citizens.
Lender matching based on visa type and residency status.
Plain-English explanations of grants, stamp duty and deposits.
Cultural understanding and patient, step-by-step guidance.
Try the numbers
A quick look at what you might borrow.
Estimated borrowing power
You may be able to borrow
$1,093,000
- With your deposit
- $1,173,000
- Assumed term
- 30 yrs
This is an estimate only and not credit advice. Actual figures depend on your circumstances and lender criteria.
In their words
Perth families who felt heard.
A small selection of the notes we’ve received. Names shortened for privacy.
“Mool made the whole process feel calm. He explained every step in plain English and we settled without a single stressful phone call from us.”
FAQ
Common questions
Talk to Mool
Ready to talk? Book a chat with Mool.
A relaxed first conversation. No pressure, no jargon — just an honest look at your options.
Mool Bhargava
Principal broker · MBA Finance