Your mortgage broker in Fremantle.
Independent home loan, refinancing and investment lending advice for Fremantle buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know this market.
Everstone Finance is an independent mortgage broker serving Fremantle, Perth. Founded by former major bank lenders, we help Fremantle buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Fremantle is its own kind of market, and it pays to have a broker who gets that
Buying in Fremantle means picking a lane, and the choice between a $710K port-side unit and a $1.47M heritage house reshapes the whole loan. The historic port city at the mouth of the Swan River runs a deep apartment market, where units typically change hands near $710K, alongside a tightly held stock of character houses sitting much higher at around $1.47M. That gap is the whole point: the deposit, the serviceability test and even the lender category you fall into all shift depending on which side of the market you are buying.
The buyers reflect that range. Professionals chase apartments closer to the centre for the cafe and harbour lifestyle, first home buyers and investors hunt the lower entry point units offer, and established owner occupiers compete for the heritage cottages and the limited freestanding stock. It is a younger, growing pocket, up about 12.7% over five years to a population of roughly 9,300, with the 30 to 39 bracket the largest group and around 57% of homes lived in by their owners. Sitting about 15km from the Perth GPO, it remains one of the metro area's fastest moving corners.
Premium prices change how you borrow. House values have climbed sharply (roughly 14.5% over the past year, with units up around 12.81%), so a standard 20 percent deposit on a house lands near $260,000 to $280,000, and many buyers here draw on equity in an existing home rather than saving from scratch. Stock can sell in about ten to eleven days, so pre approval that genuinely holds up under a larger loan size is worth locking in before you inspect.
Whether it is your first apartment, a refinance you have carried for years, or your next investment, the structure matters more than the headline rate, and that is the conversation the Everstone team has with you in plain English, with no pressure. We are independent, paid by the lender rather than by you, hold a 5.0 Google rating, and operate under the Best Interests Duty as Australian Credit Representative 574314.
Fremantle property market snapshot (May 2026)
A direct read on where the Fremantle market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
Units & apartments
How Fremantle values have moved
Median values over the last five years for houses and units, plus an indicative gross rental yield, so you can see the direction of the market, not just today's number.
What the five year trend shows: these trajectories are read from the Cotality charts for Fremantle and rounded to each chart's axis grid. They are shown to illustrate direction rather than exact monthly figures, and they change over time, so treat them as a guide and ask us for the current read before you act.
In short: as at May 2026, buying a house in Fremantle typically means ~$1.47M, while a unit typically means ~$710K. With around 43% of residents renting and a deep apartment market, loan structure matters as much as the rate here, which is exactly the kind of thing we work through with you.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Fremantle WA 6160, as at 31 May 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions.
When did you last check your rate?
Most people set a loan and forget it, while lenders quietly keep their sharpest rates for new customers. A 15 minute review tells you whether you're still on a competitive deal, or leaving money on the table. No cost, no obligation, no credit check.
Book your free 15 min reviewWhatever stage you're at
The same plain English, best interests approach, tailored to how people actually buy and invest in Fremantle 6160.
First home buyers
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We map your true borrowing capacity, deposit options and any grants or schemes you're eligible for, so you can move confidently when the right Fremantle place comes up.
Refinancing
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If you've held your loan a while, you may be on a rate that sharper deals have left behind. We compare 40+ lenders and handle the switch, and we tell you honestly if you're already well placed.
Property investors
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We structure investment lending across principal and interest and interest only, factoring in Fremantle rental income and your future portfolio moves.
Commercial & SMSF
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Buying premises or refinancing a commercial loan? We arrange commercial and SMSF lending, and explain how the terms, rates and deposits differ from a standard home loan.
Upgraders & downsizers
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Moving between price brackets is a big jump. We model the numbers, including bridging and equity options, so the next move is a confident one.
Self employed & complex income
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If your income isn't a simple payslip, we know which lenders take a sensible view, and how to present your file so it's assessed on its real strength.
We know how lenders price loans and where the margin sits. That knowledge now works entirely for you, not the bank.
No charge for our service. Lenders price loans the same whether you go direct or through us, so there's no cost penalty for the help.
Proactive reviews and rate monitoring, and we handle the switch when a better deal appears. Independent, under the Best Interests Duty.
The people behind Everstone
You're trusting someone with one of the biggest financial decisions you'll make. Here's who you'll actually be working with.
Ahmed Lotfi
A former major bank lender who now works entirely for you. Ahmed handles structuring, refinancing and investment lending across the 40+ lender panel.
Zappelin Heng
Co founder with deep lender experience, focused on getting complex and self employed files assessed on their real strength, not a checklist.
Book a free Fremantle mortgage consultation
15 or 30 minutes · phone, Zoom or in person by arrangement · calendar invite sent immediately
Fremantle mortgage broker FAQs
Who is the best mortgage broker in Fremantle?+
Everstone Finance is an independent mortgage broker serving Fremantle, Perth (WA 6160), founded by former major bank lenders Ahmed Lotfi and Zappelin Heng. It holds a 5.0 Google rating, compares loans across 40+ lenders, charges clients nothing (brokers are paid by the lender after settlement), and operates under the Best Interests Duty as Australian Credit Representative 574314.
Do I need to be in Fremantle to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and work with borrowers across Fremantle and the rest of Australia by phone and Zoom, and in person by arrangement. Lending isn't tied to your postcode the way some services are.
What does property cost in Fremantle right now?+
As at May 2026, Cotality (CoreLogic) data puts the Fremantle house median sale price at around $1,470,000 and the unit median at around ~$710K. We can assess realistic borrowing capacity for either a house or a unit.
Is using a mortgage broker free?+
Yes. No charge for the consultation, and no charge if you proceed. Brokers in Australia are paid by the lender after settlement, and lenders price loans the same whether you go direct or through a broker, so there's no cost penalty for the help.
Will an enquiry affect my credit score?+
No. A consultation involves no credit check. A credit enquiry is only run once you've reviewed your options and given explicit consent to formally apply.
Can Everstone Finance help investors buying in Fremantle?+
Yes. We structure investment lending across principal and interest and interest only, factoring in rental income and future portfolio moves. We can model the numbers for a Fremantle investment purchase.
How long does the mortgage process take?+
As a guide: 1 to 2 days to chat and plan, 1 to 2 days to prepare your options, and 1 to 2 days to submit once we have your documents. Settlement then aligns with your contract date. We can move faster when a deadline calls for it.
Serving Fremantle WA 6160 · based at 35 Malcolm St, South Yarra VIC 3141
Nearby areas: East Fremantle · North Fremantle · South Fremantle · White Gum Valley
0407 834 757 · ahmed@everstonefinance.com.au