Structuring your finances correctly is crucial to building wealth long-term.
Motivate Finance is a specialist investment property broker helping buyers and investors across Australia access tailored property finance in Perth. We understand that the right lending structure is just as important as the property itself, which is why we look beyond the next purchase and consider your broader investment strategy.
Working with a wide range of lenders and loan products, we help structure your investment finance carefully from the outset. Our goal is to support asset protection, long-term borrowing capacity and your ability to keep investing with confidence.
Our Services
As your property investment specialists Motivate Finance provide expert guidance and brokerage services to buyers and investors across Australia.
Pre-Approvals
Know exactly how much you can spend when looking for your property. We can compare hundreds of options to get you the best possible outcome.
Property Finance
As property investment specialists, we work as your mortgage broker to get you the best loan to suit your needs. We consider long-term borrowing capacity to ensure you can continue investing in the long term.
Refinancing
If you’re looking to refinance to access equity for your next investment property or to get better rates on your loans, we’re always here to help.
Asset Finance
If you’re looking to secure a new car or a personal loan, we can help you secure finance with terms and interest rates to suit you.
Commercial Finance
If you’re looking to expand your business or purchase a commercial property for investment purposes, we can compare loan options and find you a loan to suit your personal situation.
First Homebuyer Assistance
If you’re planning to purchase a home for the first time, our team provides detailed guidance on everything you need to know and help to navigate various government grants and schemes.
Property Finance Solutions for Perth Investors
Our property finance support covers:
Investment loan structuring built around your goals
Principal and interest vs interest-only considerations
Borrowing capacity and how to protect it
Equity release to help fund your next purchase
Cash flow planning that keeps repayments manageable
Lender selection from a wide panel of banks and lenders
Future portfolio growth factored in from the start
Why Work With a Property Finance Consultant?
When you go straight to one bank, that bank can only advise on its own products and policies. A property finance consultant in Perth works differently. We compare lending across a range of banks and lenders, then recommend what suits your goals rather than what suits a single institution.
Access to Multiple Lenders and Loan Products
We compare options across major banks and specialist lenders to find the right credit policies for your specific situation.
Recommendations Based on Your Goals
Our advice is tailored exclusively to your personal wealth strategy rather than the limited product range of a single financial institution.
Support With Paperwork and Documentation
We manage the application process from start to finish to ensure your submission is accurate and moves forward without unnecessary delays.
Loan Structures Designed for Future Purchases
We organise your debt structures from the outset to protect your ability to buy subsequent assets.
Investment-Focused Advice Rather Than a One-Off Transaction
Our team prioritises long-term portfolio growth rather than simply settling a single mortgage and closing the file.
Investment Property Finance That Supports Long-Term Growth
Good finance does more than fund one property. It sets you up to keep building. Whether you are buying your first investment property or scaling from one property to several, the way your lending is structured shapes what you can do next.
We help you:
Buy a first investment property with a structure that leaves room to grow
Move from a single property to a larger portfolio
Release usable equity to fund your next deposit
Refinance to improve your structure, rates or cash flow
Keep your lending aligned with your broader plan
This is where finance connects to your wider property investment strategy. Our team of property finance consultants works alongside the rest of Motivate Property Group to consider your borrowing capacity, risk tolerance, income requirements, portfolio balance and long-term wealth objectives.
Why Choose Motivate Finance?
Choosing the right lending partner comes down to who understands your goals and how they work with you to reach them. Here's what sets Motivate Finance apart:
Perth-Based Team With Local WA Market Understanding
Our deep knowledge of Western Australian property trends helps us find lenders that view local assets and rental yields favourably.
Part of a Broader Property Investment Group
We align your credit setup with expert insights into acquisition and management, rather than working as an isolated brokerage.
Investment-Focused Lending Specialists
We specialise in loan configurations designed to build wealth rather than standard residential mortgages that might limit your options later.
Access to a Wide Panel of Lenders
Our team compares loan products across major banks and non-bank lenders to find the right policies for your specific financial situation.
Support for Diverse Financial Profiles
We understand how to present the unique income structures of FIFO workers, first-time buyers and seasoned portfolio builders to credit assessors.
A Strategy-Led Approach From Day One
Every loan we secure is chosen based on how it protects your future borrowing capacity for subsequent property acquisitions.
We treat property finance in Perth as one part of a bigger plan. Because Motivate Finance sits within the wider group, your lending, strategy and property management work together rather than in isolation.
Frequently Asked Questions
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When you go to see your everyday bank, they can only provide advice on that specific banks products & policies. When you see an independent Mortgage Broker, they provide the lending advice across a range of banks & lenders, suited to your needs & goals. With your property strategy, we may recommend using a variety of different banks to help put the security back in your hands, rather than leaving you at the mercy of one bank.
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Generally speaking, if you have enough funds saved for a 20% deposit plus costs, then you’ll avoid paying LMI. In some cases, exceptions may apply to this, meaning you won't need to pay LMI with less than a 20% deposit if you’re in certain industries, income levels or in line with some Government back schemes.
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Yes, if you have enough equity, you can typically leverage up to 80% of the value of your home (minus the debt) to be used as deposit for your next property purchase – this is called ‘Useable Equity’. There are some circumstances where lenders may allow you to leverage up to 90% of the value of the home.
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As an independent broker, we are paid by the banks after settlement of the loan, meaning our service is at no cost to you.
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Refinancing is when we approach a lender (same bank or different), and adjust your loan structure for your financial benefit. For example, this may be to release useable equity, reduce your interest rates or costs, or improve cash-flow.
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As per our ‘Best Interest Duty’, an independent broker is bound by very strict laws to ensure that our recommendations are the most suitable for your needs & goals. When we assess your situation, you will be provided with a Credit Proposal, outlining the top options for you, as well as the specific reasons we’re recommending that particular loan & structure. Once you’ve approved this, then we move to facilitate this on your behalf.
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Generally speaking, many First Home Buyers are starting with as little as a 5% deposit plus costs. If you want to avoid having to pay LMI, typically you will need 20% deposit plus costs. Most people enter the market somewhere in between. The deposit amount itself is based on the property, value, lender and your situation.
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Yes, we can assist no matter where you are living, working or purchasing. Nowadays with online video calls, e-signing, and online verification systems, most of our industry is moving to working online.
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For most people, once you’ve purchased the property, it may take anywhere from 3-6 weeks to obtain finance approval. Keeping in mind, there are a lot of factors that need to be considered, for example, the number of properties, loans, banks and vendors involved in the transaction. It is important to engage with your broker before you even considering buying, to ensure you’re prepared and ready.
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