Home Loan Finance

Your Future Starts with Ledge Home Loans

Helping you feel confident at every step of the lending journey

At Ledge Home Loans, we know that behind every loan is a person, a family, or a business working towards something meaningful.

Based in Subiaco and supporting clients across Perth and Western Australia, we take the time to understand what matters most to you — whether that’s buying your first home, refinancing for flexibility, investing in property, or navigating a more complex financial situation.

We compare over 60 banks and lenders to structure finance that genuinely fits your situation and goals. With more than 30 years of experience and a values-led team, we’re known for making complex lending feel manageable, transparent, and tailored.

With more than 30 years of experience and a values-led team, we’re known for making complex lending feel manageable. From first conversation to settlement and beyond, we stay by your side — ensuring your loan supports the bigger financial picture, not just the transaction.

Because this isn’t just about securing a loan.

It’s about helping you make confident decisions at every stage.

Ready to take the next step? Let’s talk.

Ready to start your journey?

Get in touch

At Ledge Home Loans, we support clients through every stage of their home loan journey — from buying a first home, upgrading to a next home, refinancing an existing loan or investing in property.

Home loans can feel overwhelming, especially when you’re trying to compare lenders, understand borrowing capacity, navigate interest rates or work out which loan structure may suit your situation. Our role is to make the process clearer, simpler and more manageable.

With over 30 years of combined experience and access to a broad panel of lenders, we take the time to understand your goals, circumstances and options before guiding you through the next steps.

Whether you’re buying, refinancing, building or investing, we’re here to support you with practical guidance and a home loan solution that fits your needs.

Get in touch

Perth homes with the skyline in the background

First Home Buyer Loans

Buying your first home is exciting, but it can also come with a lot of questions.

How much can you borrow? What deposit do you need? Are there grants, schemes or lender options available to you? What costs do you need to plan for beyond the purchase price?

At Ledge Home Loans, we support first home buyers with clear, step-by-step guidance so you can feel more informed and confident as you move through the process.

We can help you understand:

Your borrowing capacity
Deposit requirements
First home buyer loan options
Government grants and schemes where applicable
Lender requirements
Pre-approval
The home loan application process
What to expect through settlement

We’ll take the time to explain things clearly, answer your questions and help you understand your options before you make a decision.

Get in touch

Keys to a home and toy house on a table.

Review or refinance your home loan

Things change — interest rates, lender policies, your income, your family situation, your goals and the broader property market.

That’s why it can be worth reviewing your home loan from time to time.

Refinancing isn’t only about looking for a lower interest rate. It may also be about restructuring your loan, consolidating debt, accessing equity, changing lenders, adjusting repayments or making sure your current loan still suits your circumstances.

At Ledge Home Loans, we can review your existing home loan and help you understand whether there may be a more suitable option available.

We can support you with:

Home loan reviews
Refinancing
Interest rate reviews
Loan restructuring
Accessing equity
Debt consolidation options
Switching lenders
Understanding fixed and variable loan options

If it has been more than 12 months since you last reviewed your home loan, or your circumstances have changed, it may be a good time to check in.

Get in touch

Beautifully designed home architecture. Ledge Finance can help with home loan financing solutions.

Investment Property Loans

Property investment can be a powerful long-term strategy, but the right loan structure matters.

Whether you’re buying your first investment property, expanding your portfolio or reviewing an existing investment loan, we can help you understand your options and how they may fit with your broader goals.

We can support you with:

Investment property loans
Refinancing investment loans
Accessing equity
Interest-only and principal-and-interest options
Fixed and variable rate options
Loan structuring considerations
Rentvesting strategies
Portfolio reviews

Every investor’s situation is different, so we’ll take the time to understand your goals, cash flow and lending position before guiding you through the options available.

Get in touch

Our Team

Ledge Home Loans is a small, experienced team of mortgage brokers and lending professionals based in Subiaco, supporting home buyers, homeowners and property investors across Perth and Western Australia.

Led by Director and Mortgage Broker Jonathan Andela, the team brings more than 30 years of combined experience across banking, finance and residential lending. This experience allows us to support a wide range of clients, including first home buyers, property investors, self-employed borrowers and people whose circumstances may not fit neatly within standard lending criteria.

What matters most to us is that you understand your options and feel supported throughout the process. We take the time to explain things clearly, keep you informed and work through the details with you — from your first conversation and loan application through to settlement and beyond.

Meet the Ledge Home Loans Team