Mortgage Broker for Southern River, WA.
Southern River is a newer family suburb in Perth's south-east near Canning Vale — modern homes and estates with a strong South-Asian and Nepali community.
Southern River at a glance
City of Gosnells · South-East Perth. Want current median prices for a specific Southern River address? Ask us for a free CoreLogic / APM report.
What it actually costs here.
Southern River, in the City of Gosnells, is largely built since the late 1990s: family houses on medium blocks, with newer pockets and townhouses. Prices sit in the $600,000 to $850,000 range where WA’s first home owner rate and the 5% Deposit Scheme cap both come into play.
| Example purchase | Duty (general rate) | Eligible first home buyer | First home grant | 5% Deposit Scheme |
|---|---|---|---|---|
| Townhouse, $590,000 | $22,040 | $0 | No (established) | Yes (cap $850,000) |
| New 4-bed home, $720,000 | $28,215 | $19,380 | $10,000 | Yes (cap $850,000) |
| Established 4-bed house, $790,000 | $31,801 | $30,685 | No (established) | Yes (cap $850,000) |
Local lending notes
- Concessional band: between $600,000 and $800,000, eligible first home buyers pay $16.15 per $100 above $600,000. On a $720,000 home that’s about $19,380 instead of $28,215.
- 5% Deposit Scheme: the Perth price cap is $850,000, so most Southern River homes qualify for a 5% deposit with no LMI.
- Off-the-plan: new dwellings in survey-strata or community title schemes bought before construction can get up to 100% of the duty off (capped at $50,000) until June 2028.
How duty is worked out: WA stamp duty guide. Grant rules: WA First Home Owner Grant. Want real sales data for a specific Southern River street? Ask us for a free CoreLogic report.
The right loan, in your language.
Southern River buyers are families and first-home buyers into near-new homes and house-and-land. We compare 40+ lenders, map grants and low-deposit options and handle construction — 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 Southern River 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 Southern River 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 Southern River
We map your real deposit, the First Home Owner Grant, stamp-duty concessions and low-deposit (5%) and no-LMI pathways for Southern River buyers.
Land & construction
Buying a block in Southern River and building? Land & construction is our flagship — we handle land settlement, builder contracts and staged drawdowns end-to-end.
Refinance in Southern River
Bought in Southern River 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 Southern River 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 Southern River?
Yes. 365 Home Loans helps buyers in Southern River 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.
How much is stamp duty on a $790,000 house in Southern River?
About $31,801 at the general rate. An eligible first home buyer pays about $30,685 at that price under the first home owner rate.
Do you have a Nepali-speaking mortgage broker for Southern River?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Southern River. 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 Southern River?
Absolutely. We guide Southern River 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 Southern River?
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 Southern River?
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.