Mortgage Broker for Armadale, WA.
Armadale is one of Perth's most affordable and fastest-growing south-east hubs — established homes and new estates with rail access and a growing migrant and Nepali community.
Armadale at a glance
City of Armadale · South-East Perth. Want current median prices for a specific Armadale address? Ask us for a free CoreLogic / APM report.
What it actually costs here.
Armadale, in Perth’s south-east, has affordable established houses in the older suburb and new estates in Haynes, Hilbert and nearby. With most homes under $600,000, it’s one of the places where WA’s higher first home thresholds from 7 May 2026 make the biggest difference.
| Example purchase | Duty (general rate) | Eligible first home buyer | First home grant | 5% Deposit Scheme |
|---|---|---|---|---|
| Established 3-bed house, $520,000 | $18,715 | $0 | No (established) | Yes (cap $850,000) |
| New house-and-land, $620,000 | $23,465 | $3,230 | $10,000 | Yes (cap $850,000) |
| Established 4-bed house, $680,000 | $26,315 | $12,920 | No (established) | Yes (cap $850,000) |
Local lending notes
- $0 duty for most first home buyers: since 7 May 2026, eligible first home buyers pay no duty on a home up to $600,000 anywhere in WA, and a reduced rate up to $800,000.
- Pre-approval for the duty rate: get pre-approved for the first home owner rate before settlement. Otherwise duty is charged at the general rate and you claim the refund later.
- New builds: the $10,000 grant applies to new homes up to $800,000 south of the 26th parallel, and the 5% Deposit Scheme cap is $850,000 in Perth.
How duty is worked out: WA stamp duty guide. Grant rules: WA First Home Owner Grant. Want real sales data for a specific Armadale street? Ask us for a free CoreLogic report.
The right loan, in your language.
Armadale buyers are first-home buyers and families building or buying near-new. We map the WA FHOG, low-deposit and no-LMI options and manage construction drawdowns — in English, Nepali or Hindi.
40+ lenders, one conversation
Instead of one bank's products, we compare 40+ lenders to find the sharper rate and the structure that actually fits your Armadale purchase.
Free to you
For residential home loans the lender pays our commission — so our advice is generally free. We disclose everything in writing.
English or Nepali
Jwala speaks Nepali and Hindi, and works with many in the community. Deposits, grants, borrowing power and contracts — explained clearly in your language.
Best Interests Duty
As a licensed credit representative we're legally bound to recommend what's right for you — not what pays us most.
Simple, on your schedule.
We help Armadale buyers Australia-wide. Everything is done by phone, video and secure online upload — so being interstate makes no difference to the service or the lenders we can access.
- 100% online: phone, video and secure document upload — anywhere in Australia
- 40+ lenders: the same panel and rates wherever you are
- In your language: English, Nepali or Hindi
- Open 7 days: 6am–8pm Sydney time
What we help with most.
First home in Armadale
We map your real deposit, the First Home Owner Grant, stamp-duty concessions and low-deposit (5%) and no-LMI pathways for Armadale buyers.
Land & construction
Buying a block in Armadale and building? Land & construction is our flagship — we handle land settlement, builder contracts and staged drawdowns end-to-end.
Refinance in Armadale
Bought in Armadale a couple of years ago? Your equity has likely grown. We re-benchmark across 40+ lenders to capture a sharper rate and the right structure.
More ways we help Armadale borrowers.
Whatever your situation, we likely have a lender for it — and for residential home loans, our service is free to you.
Nearby suburbs.
Good to know.
Do you have a mortgage broker for Armadale?
Yes. 365 Home Loans helps buyers in Armadale and across Western Australia. We compare 40+ lenders to find the right loan, and our service is free to you — the lender pays us. You can meet by phone, video or online, and we also speak Nepali and Hindi.
Do first home buyers pay stamp duty in Armadale?
Not on a home up to $600,000, for transactions from 7 May 2026. On a $680,000 house an eligible first home buyer pays about $12,920 instead of $26,315.
Do you have a Nepali-speaking mortgage broker for Armadale?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Armadale. We can explain deposits, grants, borrowing power and the whole loan process in Nepali. See our Nepali home loans page.
Can you help first-home buyers in Armadale?
Absolutely. We guide Armadale first-home buyers through the First Home Owner Grant, stamp-duty concessions, the Australian Government 5% Deposit Scheme (formerly the Home Guarantee Scheme) and low-deposit (from 5%) and no-LMI options — and tell you, in dollars, what you’re actually eligible for.
Is the service really free in Armadale?
Yes. For residential home loans the lender pays our commission, so our service is generally free to you. We disclose all commissions in writing, and under our Best Interests Duty we must recommend what’s right for you.
5.0 stars from 115+ reviews.
"Jwala dai guided me with clarity and patience, ensuring I understood every step and option available."
"Jwala made the whole process so smooth. He explained everything clearly, kept us updated, and found the right deal for our needs."
"Outstanding broker. Clear advice, prompt communication, excellent market knowledge. Made securing our loan hassle-free."
Ready to chat about Armadale?
Book a free, obligation-free call, or send a WhatsApp. One conversation is usually all it takes to know where you stand — in English, Nepali or Hindi.