Mortgage Brokers in Scarborough, WA
Compare home loan rates, run our repayment calculator pre-filled with the Scarborough median, and find a registered mortgage broker. General information only — not financial advice.
Repayments on the Scarborough median
Mortgage Repayment Calculator
Enter your loan details to estimate repayments. General information only — figures are illustrative.
Indicative only. Excludes fees, LMI, stamp duty, rate changes and applicant-specific factors lenders apply. Compare a full rate table before deciding.
Mortgage brokers in Scarborough
Listed alphabetically. Registration with ASIC does not imply endorsement. We do not receive payment from any broker on this list.
Scarborough is a suburb that keeps catching my attention after six years covering Western Australian property markets. It's a beachside pocket of Perth with genuine appeal,situated in postcode 6019 and home to around 15,000 people. The median house price sits at $1.38 million,while units move at around $680,000. That price spread tells you something important — this isn't a one-type-buyer market.
When I look at who's actually buying here,I see a mix of empty nesters downsizing into units,young families stretching into their first homes,and investors banking on rental yields. The beachside lifestyle pulls people in,but so does proximity to the city and solid schools. Worth flagging: Scarborough's popularity has kept values reasonably steady through market cycles,which matters when you're servicing a mortgage over 25 or 30 years.
The short version on borrowing in Scarborough is this — you're looking at two distinct lending conversations depending on whether you're targeting a house or unit. Houses at $1.38 million require different serviceability calculations than units at $680,000,and banks often treat beachside apartments with more caution around flood risk and future value. If you're a first-home buyer,WA's Keystart scheme and first-home owner grant eligibility remain crucial to model out before you commit. No nonsense: get clarity on whether your target property qualifies,because not all do.
Stamp duty in WA is progressive,and at these price points it becomes a real line item. A $1.38 million house purchase will trigger significant duties unless you're eligible for exemptions as a first-home buyer. First-home buyers in WA currently benefit from thresholds and concessions,but they're worth running past a tax specialist because property valuations can shift. Look — here's where it gets practical: if you're refinancing an existing Scarborough property,you skip stamp duty entirely,which changes the math considerably versus a sale and purchase.
Interest rate rises have hit borrowers harder since 2022,and Scarborough's buyer pool shows it. Fewer people are stretching as far into mortgage debt,which has softened some price pressure. That said,the suburb's reputation and beachside postcode mean it attracts consistent demand. Before you engage a broker or lender,understand what your actual serviceability looks like at current rates,not the rates you locked in five years ago. The market here rewards informed buyers.
FAQs — buying in Scarborough
How much can I borrow to buy in Scarborough?
Borrowing power depends on your income, expenses and other commitments. Use our borrowing power calculator with current rates around 5.79%. On the Scarborough median of $1,380,000, a 20% deposit would mean borrowing about $1,104,000.
What's the stamp duty on the median home in Scarborough?
Indicative transfer duty on a $1,380,000 purchase in Western Australia is $62,186 (headline rate, no concessions). First-home-buyer concessions can reduce this — see the Western Australia state page for current grant settings.
Should I use a Scarborough mortgage broker or go direct?
Brokers are typically free for borrowers (paid by the lender on settlement). A good Scarborough broker can compare 30–50 lenders against your circumstances. Going direct is sensible if you already know which lender suits you. Either way, get the rate in writing and compare comparison rates, not headline rates.
What's the lowest home loan rate available right now?
As at the most recent update, the lowest variable rate on our compare table is 5.79% p.a. from Macquarie Bank. See the full compare table for fixed and investor rates.
Are there grants for first-home buyers in Western Australia?
First Home Owner Grant of $10,000 for newly built homes south of the 26th parallel. FHB duty concession applies up to $530,000 for established homes, higher for new builds.
Nearby cities in Western Australia
Sienna covers the FHB end of the WA market plus refinance trends across Perth metro. She was raised in Mandurah, moved to Perth for uni, and never left. She writes for borrowers who don't quite fit the metro template — single-parent families, dual-citizen households, regional buyers commuting in.