Award-winning Finance Broker in Perth

How Can We help?

State Finalists for the Regional Finance Broker
MFAA 2023 Commercial and Equipment Finance Broker Award
MFAA 2022 Commercial and Equipment Finance Broker Award
MFAA 2022 Customer service Business Award
MFAA 2021 Commercial Finance Broker Award State Finalist
MFAA 2021 Finance Broker Business Award State Finalist
MFAA 2021 Residential Finance Broker Award State Finalist
Plan Australia Business of the Year – 1 Loan Consultant – Western Australia 2020

Personal and Commercial Finance Solutions

What Our Customers Think:

Nick helped us every step of the way, finding us the best deal for our situation and walking us through the steps, offering guidance when required. The customer service was excellent and we have come out the other side much better off than prior to refinancing. Would highly recommend him if you want a quality, tailored solution for your home loan from someone with your interests genuinely at heart!

Shannon Wood

November 2023

Highly recommend Chris as an excellent broker and Vicki for the final stages of the settlement. They were able to sort out a complicated refinance for me and Chris kept in constant contact with me over the process which took a while.

Steve Incerti

November 2023

I cannot recommend enough the help and service. We have no idea of the processes involved and Kurtis has been more than willing to spare valuable time in guiding us.

Dianne Crisp

November 2023

Nick is amazing at what he does!
Financial stuff can be daunting but Nick made the journey through it all feel like a breeze.
Thank you Nick.

Elle Maxwell

November 2023

This is the second time Whiteroom Finance helped us in securing finance. Karl Baker was a great help both times. He is easy to communicate to, explains in simple English and is very proactive. It was a joy to have someone like Karl to help.

Singh K

September 2023

A huge shoutout to Chris and his team for going above and beyond to help us secure our family home. Their dedication and unwavering support made the process so smooth. Highly recommended!

Client Survey Feeback

August 2023

Most amazing team! we had such issues trying to receive a loan but Whiteroom Finance made it so easy and guided us throughout start to finish would highly recommend, was always there whenever we needed.

Sidoroska S

June 2023

Working with Chris and the team to refinance my mortgage was a smooth and easy process, highly recommend.

Kirk T

June 2023

Been working with Chris since 2016. Very professional and finds the best services to suit each loan, and is there every year to review it for you.

Passmore A

May 2023

Whiteroom Finance have been fantastic in helping my partner and I get our first home loan, and then our second, and they have also been a great help in refinancing these loans. They are professional and quick to respond to all of our emails (even after hours and on weekends). They listened to us and made sure to find suitable lenders that offered the home loan structures that we wanted. An enthusiastic 5 stars for these guys.

Pech A

May 2023

Great experience with Whiteroom Finance all the team is really helpful and supportive. Will be using them again!!

Ellery K

March 2023

Thank you for making the process so easy and as pain free as buying a house can be!

Client Survey Feedback

November 2022

Thank you very much to Chris White and his wife Vicki White from Whiteroom. With all of their hard work they made our goal possible. We are very excited the settlement went through today. Neil and I highly recommend their professionalism, knowledge and their dedication. We had a very awkward situation and Chris with his knowledge was able to reach our goals.

Neil & Kaliope C

September 2022

Chris and the team were able to simplify an unclutter the complex and intimidating process of buying our first home. They were readily accessible throughout the journey and we are ecstatic with the final outcome.

James L

August 2022

Thankyou for all your assistance through this journey, it's been a huge learning curve as a first home buyer, but I'm very thankful to have had your guidance throughout the process!

Dana S

November 2022

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.

How can we help?

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.

How can we help?

Commercial Finance FAQs

What is a Finance Broker?

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.

Why not just go directly to the Bank?

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.

What is the difference between a Finance Broker and Mortgage Broker?

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

Personal Financial Services

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.

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.

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

Personal Finance FAQs

What is a Mortgage Broker?

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.

Why use a Mortgage Broker instead of a Bank?

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.

When should the services of a Mortgage Broker be considered?

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

What size deposit is needed for a home loan?

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.