Business Details
Your Trusted Mortgage Partner in Perth
For two decades, we have delivered exceptional mortgage and finance broking services across Perth and the Ovens-Murray region. Our approach eliminates traditional bank appointments by offering tailored loan solutions from a diverse panel of 35 lenders, ensuring clients access optimal financial products. With a commitment to both digital convenience and face-to-face consultations, we guide clients seamlessly from loan approval to settlement. Recognised as a WA Finalist in the 2024 AFG Broker Awards, our team of accredited mortgage consultants combines local expertise with national resources through partnerships like the Australian Financial Group.We prioritise personalised service, understanding that navigating lending complexities requires clarity and support, whether clients are first-time homebuyers, investors, or agribusiness operators. Our membership with the Mortgage & Finance Association of Australia underscores our adherence to industry excellence, while client testimonials highlight our reliability, attention to detail, and stress-free processes.
Services
Home Loans
Investment Loans
Construction Loans
Equity Loans
Car Loans
Commercial Loans
Refinancing
Personal Loans
Agribusiness Finance
Highlights and features
- We offer 20 years of local mortgage broking expertise in Perth and Ovens-Murray
- Access 800+ loan options from 35 major lenders through Australian Financial Group
- Provide free, obligation-free advice with no hidden fees
- Combine digital convenience with face-to-face consultations
- Recognised WA Finalists in the 2024 AFG Broker Awards
Associations and certifications
- Mortgage & Finance Association of Australia (MFAA)
What people say
Exceptional service
Stress-free process
Expert guidance
Tailored solutions
Highly recommend
Services
Home Loans
We specialise in home loans for first-time buyers, property upgraders, and refinancers. Our consultants compare 800+ loan products from 35 lenders to find competitive rates tailored to your financial situation. With free advice and a streamlined application process, we help clients across Perth and regional Victoria achieve homeownership goals efficiently.
Investment Loans
Our investment loan solutions help clients build wealth through property. We provide access to specialist products for residential and commercial investments, including negative gearing and portfolio management strategies. With local market knowledge in Perth and Ovens-Murray, we assist investors in securing optimal financing terms and maximising returns across diverse property portfolios.
Agribusiness Finance
Tailored financial solutions support agricultural enterprises in the Ovens-Murray region. We offer equipment financing, livestock funding, and operating capital loans through partnerships with rural lenders. Our consultants understand farming cycles and provide flexible terms for machinery purchases, land improvements, and seasonal cash flow management to sustain and grow agricultural businesses.
Refinancing
We help homeowners and businesses reduce repayments by reviewing existing loans and identifying better market offers. Our process includes assessing exit fees, comparing interest rates, and negotiating terms to ensure cost savings. Clients benefit from our lender relationships and expertise in navigating refinancing complexities without hidden charges.
Commercial Loans
We provide commercial loans for business expansion, equipment purchases, and working capital. Our consultants connect clients with lenders offering flexible terms for SMEs across Perth and regional Victoria. From start-up financing to asset-backed loans, we focus on solutions that align with business growth strategies and cash flow requirements.
People
Rhys Dillon
Director
Rhys has over 20 years of mortgage broking experience, specialising in tailored solutions for Perth clients. His expertise ensures optimal loan selection and seamless application processes, with a focus on first-home buyers and property investors.
Mike Watts
Director
Mike delivers personalised mortgage advice to Perth clients, leveraging 20+ years of industry experience. He specialises in connecting homebuyers with competitive loan products while maintaining transparent communication throughout the settlement process.
Robert Ryan
Lending Specialist
Robert serves Ovens-Murray clients with mortgage solutions for rural properties and agribusiness needs. His local knowledge and lender network help farmers and regional businesses secure financing tailored to their operational requirements.
Questions
What loan types do you offer?
We provide home loans, investment loans, construction loans, equity loans, car loans, commercial loans, refinancing, personal loans, and agribusiness finance options.
Is your advice free?
Yes, we offer obligation-free advice with no hidden fees. Our services are typically commission-based through lenders, not charged directly to clients.
How does the mortgage process work?
We compare 800+ loan products, help select suitable options, assist with documentation, and guide you from application to settlement, offering digital or in-person support.
Do you serve regional areas?
Yes, we serve Perth and the Ovens-Murray region, including Wodonga, Wangaratta, and Benalla, with local consultants understanding regional market nuances.
What accreditations do you hold?
We're members of the Mortgage & Finance Association of Australia (MFAA) and work with Australian Financial Group (AFG) as our aggregator.
Reviews (6)
Paul Freeman
Jun 23, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Worked with Rhys throughout my whole mortgage process, he made everything smooth, simple and stress free, especially with me working away. I will definitely be working with him in future, and have also recommended Top Mortgages and Rhys to my friends looking to buy. Great service, great company.
Worked with Rhys throughout my whole mortgage process, he made everything smooth, simple and stress free, especially with me working away. I will definitely be working with him in future, and have also recommended Top Mortgages and Rhys to my friends looking to buy. Great service, great company.
Michelle Andrews
Jun 07, 2021
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We cannot thank Rhys enough for his time, effort and patience in securing a suitable mortgage for myself and my partners first home. He really helped us to understand the process, took time to search for the most suitable loan options and we felt comfortable during the entire process knowing Rhys was looking after us. We couldnt be more grateful to have dealt with Rhys and will certainly continue to recommend Top Mortgages to family and friends. Thank you Rhys!
John Lawley
Apr 24, 2021
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I have engaged Rhys and Mike personally and recommended them to my clients, professionally and in both respects, they have impressed. They make (what has become over recent years) a complicated process appear easy, provide regular updates and appropriate pressure on third parties to ensure they get the job done. I highly recommend Top Mortgages.
Zoe George
Nov 03, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Michelle was amazing! Helped me out from start to finish with my car loan. Even came to me when forms needed to be signed, making it super easy to fit everything into my schedule and get everything sorted super fast! 100% recommend!
Michelle was amazing! Helped me out from start to finish with my car loan. Even came to me when forms needed to be signed, making it super easy to fit everything into my schedule and get everything sorted super fast! 100% recommend!
Lukasz Zimowski
Sep 07, 2020
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Rhys has helped my family twice now with Mortgages and has done an amazing job making sure we are looked after by our lender. Thanks Rhys will be back again next time we need your help :)
Paul Robinson
Aug 27, 2020
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I've used Top Mortgages three times in the past decade and each time has been a positive experience. Rhys makes the process exceptionally straight forward and I feel he always has my best interests in mind.
