Base Home Loans

First home buyers…
Does it feel almost impossible to buy right now?
You’re not imagining it.
Prices have risen.
Rents are high.
Borrowing capacity is under pressure.
And saving a deposit can feel like chasing a moving target.
But home ownership may not be completely out of reach.

Options to explore:
⚪️Guarantor loans
⚪️Low deposit schemes
⚪️WA stamp duty concessions
⚪️Buying a stepping-stone property
⚪️Improving your borrowing capacity

Your first home doesn’t have to be your forever home.
It just needs to be the right first step.
Hard does not mean hopeless.
There may be more options than you think.

We specialise in strategy when it doesn’t feel easy. Give Dan a call to see what your options are.

The RBA cash rate is now 4.35%

The Reserve Bank of Australia’s cash rate target increased to 4.35% effective 6 May 2026, following a 0.25 percentage point increase.

For borrowers, this matters because interest rates affect both repayments and borrowing capacity.

When rates rise, lenders generally assess new borrowers more conservatively. That can reduce the amount some buyers are able to borrow, even if their income has not changed.

For existing mortgage holders, higher rates can also increase repayment pressure, especially for households that have not reviewed their loan for some time.

This does not mean every borrower needs to panic.

But it does mean this is a sensible time to check whether your loan structure, rate, offset, repayment strategy and lender still suit your situation.

A strategy that is totally personalised but with a common goal - to get you debt free sooner. Imagine being totally unphased by the media circus, the RBA or the fuel prices. This is our intention for our clients. Secure the property, get the loan and then design an exit strategy so you can work towards a financial future without the noise.

👉🏼 Book a strategy session with Dan today

Will Perth property prices come down in 2026?

It’s one of the most common questions we’re being asked right now. Hourly if not daily.

The honest answer is that no one can predict the property market perfectly, but looking at the fundamentals can give us some clues.

Right now, Perth is still dealing with very tight housing supply, strong population growth, and ongoing demand from both owner occupiers and investors. These factors have been a big driver behind the strong price growth we’ve seen over the past couple of years.

For prices to drop significantly, we would typically need to see things like a large increase in housing supply, rising unemployment, or much higher interest rates putting pressure on borrowers. At the moment, those conditions aren’t strongly present.

What we may see instead is a slowing of price growth rather than a sharp drop as the market finds a more balanced pace.

For buyers, the key takeaway is that trying to perfectly “time the market” is incredibly difficult. What often matters far more is having the right mortgage strategy, structuring your loan correctly, and making sure your purchase fits your long-term financial plan.

Whether you’re thinking about buying, refinancing, or planning your next property move, getting the right advice early can make a big difference.

If you’d like to talk through your situation and options, feel free to reach out for a mortgage strategy session. 🏡

Perth’s property market has been breaking records for more than two years straight and if we’ve recently been speaking to clients who had ben waiting for the bubble to burst before purchasing a property. Although, we can’t guarantee anything either way, the data currently suggests that falling prices in Perth are not on the horizon.

Despite stubborn inflation and cost-of-living pressure, Perth continues to outperform every other capital city in Australia. Prices keep rising, competition remains fierce, and homes are selling in record time. But it can’t continue this way forever…can it?

At Base Home Loans, we’re always watching the market closely on behalf of our clients, and the indicators are clear: there are strong reasons why Perth property prices are unlikely to fall anytime soon.

If you want to get to the crux of the matter now – Perth is entering 2026 as one of Australia’s strongest and most resilient housing markets – high demand, limited supply and strong migration trends, and there is little economic data to suggest that there will be any significant change anytime soon.

If you were waiting for things to head south before making any decision to buy, that could be a costly decision and one that requires careful analysis for your own unique situation and goals.

Perth homeowners — here’s something worth thinking about 👇

🏡 Perth house values have sky rocketed in just five years, with the median price now sitting close to $900,000.
📈 That means if you bought for $500k back in 2019, your home could now be worth a lot more giving you serious equity power and a lot more options.
💰 Many Perth locals are using that equity to upgrade their home, without taking on as much new debt as they expect.

And the best part?
When you buy and sell in the same market, you’re trading up smartly, selling high and buying high in one move, so you’re not chasing prices later.

With interest rates holding steady and Perth’s fundamentals still strong, now could be the perfect moment to explore your next chapter.

✨ Thinking about upgrading?
Let’s map out your options, from equity release to bridging loans and refinance strategies.

🔗 Read the full blog: “Is Now the Time to Upgrade?” https://basehomeloans.com.au/is-now-the-time-to-upgrade-your-home/

📍 Base Home Loans — helping Perth homeowners move up with confidence.

Get Your Free First Home Buyer Finance Guide

Still living on two-minute noodles to save for your first home?
Good news! You might not need to anymore.

With the expanded Home Guarantee Scheme, eligible first home buyers can now get into the market with as little as 5% deposit, no LMI required.

At Base Home Loans, we’ll walk you through every step, from checking your eligibility and borrowing capacity to finding the right loan (along with hints and tips for actually getting your offer accepted!)

This simple guide explains what you need to know before buying your first home — from deposits to approval. No jargon, no obligation. Just helpful advice from one of Perth’s best independent mortgage brokers.

Ready to get started? Download your free guide today. https://basehomeloans.com.au/first-home/