Award-Winning Finance Broker in Perth

Your Local Finance Specialists

What Our Customers Think:

Absolute pleasure dealing with Chris and his team! After being run around by the banks and getting no help went to Chris for advice and help. He made it easy and very relaxing by having it well presented to understand what you’re signing up for, would recommend to anyone looking to refinance or borrow.

Luke P

February 2022

Chris, Steve and Vicki have been absolutely fabulous in helping us refinance to include a construction loan for our renovations. Going the extra mile to get us over the line in the end. We would absolutely recommend them and look forward to continuing to work with then in the future. Thanks guys!

Michelle T

January 2022

Just refinanced through Whiteroom and was very impressed with their service and level of knowledge. Whiteroom had access to a great deal and ensured the process was smooth and quick. They were informative all the way through and nothing was ever an issue. Would highly recommend them for anyone looking to obtain a loan or refinance.

Jessica W

August 2021

Had a great experience dealing with Chris and the team and Whiteroom Finance. They are very easy to deal with and their expert guidance throughout the process made everything run so smoothly. Highly recommend.

Angela C

November 2021

Chris, Stephen and Vicki were so helpful! Nothing was too much trouble! Very happy with the outcome and real world solutions.

Daniel L

January 2022

Chris is so friendly and approachable with a calm and professional manner that makes you feel at east and in good hands.

Client survey response

December 2021

Chris is fantastic, so knowledgeable, and helpful. No matter how busy Chris is he will make time for you. Couldn’t recommend him highly enough.

Amy B

February 2021

Just wanted to say a big thank you for your assistance over the years to help us get a metro home! Our new home is absolutely amazing and although rather chaotic right now, we’re super happy.

Rhiannon & Ian

September 2021

Do you need fleet finance? Or any finance for that matter? We highly recommend Chris and his team at Whiteroom Finance. Efficient, easy to work with and they will get you THE best deal.


September 2021

Why Whiteroom Finance?

  • 2021 MFAA Commercial Finance Broker Award Winner WA
  • 2020 Plan Australia Business of the Year WA (1 loan consultant)
  • Tailored solutions to financial needs
  • Recommendations based on knowledge, not assumptions.
  • Personal approach to service our clients
  • We service small business to large commercial clients.
Award-Winning Commercial Finance Broker in WA - Whiteroom Finance

Business Lending

Growing your business or expanding services? Transitioning to retirement or setting up for sale? Maybe you’re just not happy with your current commercial finance arrangements. You’re going to need to talk to us.

The finance brokers at Whiteroom Finance have worked with businesses of all sizes and at all stages of the business cycle and can help you with advice and guidance about any business finance needs.

Financial consultation

How We Can Help

  • Improving cash flow and accessing working capital options.
  • Accessing short term unsecured debt for specific needs.
  • Specialist Lending (including professional services).
  • Restructuring your existing debt.
  • Acquiring a new business.
  • Unsecured lending.
  • Purchasing a property.


We also work with your existing finance team and advisers to make sure you’re receiving complete advice.

The structure, nature, and cost of funding varies considerably and can be vastly different for seemingly similar businesses, so don’t be caught out relying on what others tell you.

Get the loan that's right for you.
Contact Whiteroom Finance today.

Commercial Financial Services

financial solutions

Equipment Finance

Need some new equipment for your business? We have access to a range of lenders and can help you with the right equipment finance for your business.

  • Chattel mortgage.
  • Novated lease.
  • Finance lease.
  • Hire purchase.
  • Operating lease and rentals.

Financing your equipment purchases means you can preserve your cash for working capital and pay off the purchase in line with the asset’s depreciation term. We can help you coordinate insurance, interest rates, settlement, and delivery of your new equipment. In some cases, we can even help you source the equipment through our network of contacts.

Company vehicle

Vehicle Finance

If you run a fleet of vehicles, your needs may be very different to a standalone asset purchase. Your assets might depreciate quicker or need to be turned over more regularly to preserve their value.

Our team can help manage this asset replacement program by tailoring a solution to meet your needs and your budget. We can even help you with insurance for your assets.

  • Insurance premium funding
  • Pre-approved funding
  • Master limit facilities
  • Fleet management


Whatever you are hoping to achieve with your business fleet, Whiteroom Finance can help.


New Business/Small Business Loans

As business finance experts, we can give you the edge you need to start your small business journey. We offer advice and guidance on small business loans and can help find the right lender for you.

As there can be so many variables when starting a new business, we encourage you to engage us beforehand to help you avoid any bad decisions. With extensive experience in the finance industry, we know the potential pitfalls and how to avoid them.

If you have a pre-existing business, we can work with you to develop your business finance acumen and prepare you for access to appropriate funding when available.

Commercial Finance FAQs

A Finance Broker is someone who assists you to find a finance solution that helps you meet your unique financial needs.

A Finance Broker must hold national-level qualifications. This provides them with the authorisation to deliver financial services via both the lenders they use and ASIC (Australian Securities and Investments Commission)  They are also commonly part of several industry bodies. This is necessary whether they offer home loans, personal/car loans, or complex business finance.

Additionally, your Finance Broker has a legal obligation to act in your Best Interest (called Best Interest Duty). They are subject to ongoing compliance checks and business reviews, all to ensure their clients are properly guided and supported.

Securing finance via a Finance Broker brings multiple benefits, these include:

  • Special products/commercial agreements offered by funding providers.
  • Required by law to act in your best interest (‘Best Interest Duty’)
  • Matching unique requirements to finance solution that fits you.
  • Extensive knowledge and expertise in certain types of lending
  • Banks DO NOT have the same requirement to act in their clients Best Interest – they have a limited range of options and will try to make their clients fit… which often results in a less than ideal outcome for their clients.

The difference is mainly academic in that they are effectively the same thing. Generally, a Mortgage Broker works predominantly in the personal finance space (home loans, investment loans, personal loans, and car loans). However, a Finance Broker has a more diverse range of services including business and specialist finance.

A Mortgage Broker may offer services such as arranging:

  • home loans
  • investment loans
  • first home buyer loans
  • personal loans
  • car loans,
  • budgeting
  • savings
  • and related advice.

They may also provide broader property investment and debt reduction strategies, and work with third party insurance and financial advice partners to ensure you are receiving well rounded comprehensive advice. Someone referring to themselves as a Mortgage Broker, is unlikely to offer much in terms of business finance.

A Finance Broker can also offer Mortgage Broking services but tend to lean toward business and commercial finance solutions. Some focus their attention on certain types of business finance such as equipment and vehicle loans. Some offer business finance secondary to personal lending, while others have a narrower focus predominantly on business finance.

  • You might expect a Finance Broker to offer services including:
  • Working capital and Cash Flow solutions
  • Commercial property purchase and refinance
  • Business acquisition, balance sheet restructure, and shareholder loans
  • Specialist industry funding (franchise, legal, accounting, real estate, financial advice etc)
  • Complex personal and commercial funding structures
  • Strategic advice, funding management, and business support

Get the loan that's right for you.
Contact Whiteroom Finance today.

Residential Financial Services

vehicle and equipment finance

Investment Loans

Borrowing money for an investment property can be a great way to grow your wealth or diversify your investment portfolio. However, you need to be aware that there are additional eligibility requirements for investment loans such as higher interest rates and additional contributions.

On the plus side, expenses for an investment property can usually be claimed as a tax deduction, which makes it an attractive proposition for some people.

Our professional team of Perth based finance brokers can assess your financial situation and liaise with you or your accountant to make sure any advice is appropriate, before recommending a solution.

Personal Finance

Home Loans

Purchasing your first home, or even a second home, can be a daunting and stressful experience. To ease your stress, we can assist with advice and guidance about:

  • Principal and Interest vs. Interest Only repayments.
  • Fixed vs. Variable interest rate arrangements.
  • Upgrading/Downsizing your home.
  • First home buyers.
  • Budgeting and savings.
  • Debt restructure.

Before you start looking for your new home, we recommend speaking to one our finance brokers. We can help you understand your budget to ensure you know what you can afford.

We also work closely with several settlement agents and property inspection services who we trust our clients with.

Family with car

Car Loans

Whether you’re buying a motorbike, caravan, or boat, Whiteroom Finance can help. We consider your personal situation and find the right loan to get you on the road.

Have you ever been offered dealer finance when purchasing a vehicle? While they often have reasonable options, a quick look at comparable offers on the market will show you there are alternatives that could work better for you. Subject to a lending assessment, we can arrange to have your loan pre-approved before you start looking for your new vehicle!

With great market offers and our ongoing support we’ll make sure you get a car loan for your situation.

financial services

Personal Loans

Need to get away for a well-deserved holiday or want to renovate the house but don’t have the equity? Maybe you just want to consolidate your personal debt. Whiteroom Finance has access to a range of lenders and can help you find a personal loan suited to you.

With extensive knowledge and experience in the finance industry, we understand where things can go wrong and how to steer clear. We can assist you with variable or fixed rate personal loans for a variety of purposes.

  • Car purchase or repairs
  • Personal investment
  • Debt consolidation
  • Home improvement
  • Holidays

Residential Finance FAQs

A Mortgage Broker provides personal advice about lending solutions that will suit your specific needs and goals. They are required to hold national qualifications which gives them the authorisation to offer their services via both the lenders they use and ASIC. They are also commonly part of several industry bodies.


Additionally, your Mortgage Broker has a legal obligation to act in your Best Interest (called Best Interest Duty). They are subject to ongoing compliance checks and business reviews to ensure their clients have appropriate guidance and support.

There may be many benefits to you by using a Mortgage Broker rather than going directly to your bank, including:


Mortgage Brokers have an extensive panel of lenders that they can source loan options from – Banks only have their own.


Your Mortgage Broker must act in your Best Interest and ensure the loan they recommend for you is most appropriate to your needs. Banks can only offer you one of their loans, which may not be a great fit.


Your Mortgage Broker relies on keeping you happy in the hope that you will refer business back to them. As such, you are the centre of their attention and aren’t forgotten once the loan is done.


Your Mortgage Broker takes care of all the paperwork and speaks with the lender on your behalf so you can get on with the exciting stuff like choosing paint colours. They will also explain the process at every step of the way, so you know what to expect.


Mortgage Brokers are nationally qualified with a Diploma of Finance and Mortgage Broking Management and required to complete hours of professional development every year. Personal lenders in Banks are trained by the Bank to provide the Banks solutions.

Specialised support

As banks can only offer their own loan solutions, if you don’t fit their lending policy, they may provide something that doesn’t suit your needs. Often it may lead to not being able to obtain finance from them at all. Our Mortgage Brokers extensive panel generally means they can find a solution for you.

  • If not, your Mortgage Broker will work with you on strategies and plans to overcome the hurdles and find a solution in the future, so you’re not left wondering.

Loan reviews

Because situation changes and lender rates terms can vary, it’s important to review your loans regularly. Your Mortgage Broker will do this automatically and without you even asking. This can result in reduced interest rates or changed terms without you having to lift a finger.

The use of mortgage brokers to secure a home loan is becoming increasingly popular in Australia. Some common reasons for clients to choose a mortgage broker over a bank or other financial institution are:

  • Education on processes for future lending experiences
  • A client has average or poor credit rating.
  • A client can’t find a mortgage that suits.
  • Comprehensive home loan comparisons
  • Access to wider range of lenders
  • Low to zero costs for service
  • Quicker application times
  • Unique circumstances

The size of your deposit depends on your circumstances. The higher the deposit, the lower the cost, but cost is not everything. We can break this down into 3 headline numbers: 20%, 10%, and 5%:

Let’s start with 20%

Deposits higher than 20% open you up to most home loan providers who operate in Australia.

Lenders Mortgage Insurance generally won’t apply to your loan if you have 20% or more, so the lender does not need to consider additional rules, and your loan would be cheaper.

At this level, the lender makes their own decision and applies their own rules to lending money which means there can be flexibility with the options available to you.

If you have had some credit issues in the past, a higher deposit will certainly assist to overcome some of these challenges.

If self-employed, you may be able to self-declare your income, and if just an average borrower, a 20% deposit can mean lower cost and lots of choice.

10 – 20% deposit

The 2nd scenario is the 10 – 20% deposit.  At this level:

  • Whilst Mortgage Insurance would apply, it is not as expensive as a 5% deposit, and the Lenders have some more freedom around their decisions to provide finance.
  • The cost of interest is generally higher than if you had 20% deposit, but generally lower than if you only had a 5% - the difference may not be much, and may get you into the market earlier
  • Additional features can be available and there would be less restrictions than with a lower deposit.

At this deposit level there are several providers, certainly not as many as if you had 20%, but definitely a lot more than if you only had 5%.

5% deposit

Borrowing with as little as 5% deposit is possible, and can open some options for you, but be aware:

Very few lenders provide loan solutions with such limited deposit, and those that do:

  • have relatively high interest rates.
  • need to be extremely comfortable with you as a client.
  • and can charge high Mortgage Insurance premiums.

The lender must consider the mortgage insurers requirements in addition to their own, which can make it difficult to obtain approval.

Often the lender will impose restrictions and offer less in this instance, so you may not access features such as offset accounts and fixed interest rates.

There is nothing wrong borrowing with a limited deposit, it is simply a decision to be carefully considered in line with your goals and objectives.

We work with several lenders to access a loan which is suited to your situation.

Fill in the form below and one of our finance specialists will be in touch for an obligation-free consultation.