Business Details
Your Trusted Mortgage Brokers in Perth
Calculated Lending is an award-winning boutique finance and mortgage broking service based in Perth, dedicated to providing strategic, holistic, and personalised advice. Founded by industry leader Bianca Patterson, we specialise in home and investment lending, commercial, business, asset, and development finance. Our team combines exceptional financial expertise with a deep understanding of the property market to deliver tailored solutions that prioritise long-term client outcomes. Committed to elevating industry standards, we advocate for higher education, ethical conduct, and transparency in all our dealings. With over a decade of experience, Bianca and her team have built a reputation for exceptional service, innovation, and client-centric approaches.We pride ourselves on forming lifelong relationships, offering ongoing support, and empowering clients through financial education. Our holistic methodology ensures clients receive realistic, calculated strategies that align with their unique goals. Recognised as leaders in Western Australias broking industry, we partner with like-minded professionals to provide comprehensive solutions for our clients property journeys. Our dedication to excellence has earned us multiple awards and the trust of clients across residential, investment, and commercial sectors. By prioritising integrity, expertise, and strategic thinking, Calculated Lending continues to redefine the broking experience for the modern client.
Services
Home Loans
Investment Loans
Commercial Loans
Development Finance
Business Finance
Equipment Finance
Highlights and features
- We are multi-award-winning professionals recognised for excellence in finance broking.
- Our team has over 12 years of experience in residential and investment lending.
- We advocate for higher industry education, ethics, and transparent conduct.
- We offer holistic advice tailored to clients' long-term financial goals.
- Our strategic solutions leverage deep property market insights and innovation.
What people say
Knowledgeable and efficient
Stress-free process
Highly recommend
Exceptional customer service
Proactive and supportive
Services
Home Loans
We assist clients in securing home loans tailored to their unique circumstances, whether purchasing a new property or refinancing. Our expertise ensures competitive rates and structures that align with long-term financial goals. Clients benefit from our deep market knowledge and commitment to transparent, client-focused solutions.
Investment Loans
Specialising in investment lending, we help clients structure loans to protect assets and leverage equity effectively. Our strategies prioritise tax efficiency, portfolio growth, and risk management. With a focus on long-term returns, we provide solutions that align with clients' investment objectives.
Commercial Loans
We offer financing for commercial properties, including office, retail, and industrial spaces. Our team ensures clients secure terms that support business growth and operational needs. By understanding market trends, we deliver strategic financing solutions for commercial ventures.
Development Finance
From single-home builds to multi-unit developments, we structure loans to support construction and development projects. Our approach balances project timelines with financial feasibility, ensuring clients access funds efficiently while managing risks.
Business Finance
We provide business finance solutions to help clients start or expand their enterprises. Partnering with lenders, we secure cash flow and growth-focused loans tailored to business needs. Our advice ensures sustainable financial strategies for commercial success.
People
Bianca Patterson
Director
Bianca Patterson is an award-winning mortgage broker with 12 years of experience, renowned for her integrity and expertise in finance. She specialises in residential and investment lending, development finance, and commercial solutions. As an MFAA Accredited Mentor, she champions industry education and ethical standards.
Tracey Watkins
Mortgage and Finance Specialist
Tracey Watkins brings 23 years of experience in mortgage broking, offering holistic advice and exceptional service. Her strengths include strategic financial planning and navigating complex lending processes. Clients praise her for making finance accessible and stress-free, with a focus on achieving long-term goals.
Questions
What services does Calculated Lending offer?
We provide home loans, investment loans, commercial finance, development finance, business finance, and equipment finance tailored to your needs.
How does Calculated Lending differ from other brokers?
We prioritise holistic, client-focused advice, ethical conduct, and industry education, with a proven track record of awards and client satisfaction.
Can I get finance as a first-home buyer?
Yes, we specialise in guiding first-home buyers through grants, loans, and tailored strategies to make homeownership achievable.
Do you work with investors?
Yes, we offer investment loan structures to protect assets and leverage equity for long-term portfolio growth.
Reviews (6)
Kamil Buczek
Apr 19, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Bianca helped us to finance our first development property. She is extremely professional with strong work ethic and wide knowledge. Can't wait to buy next one!
Bianca helped us to finance our first development property. She is extremely professional with strong work ethic and wide knowledge. Can't wait to buy next one!
Kamil Buczek
Apr 15, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Bianca helped us to finance our first development property. She is extremely professional with strong work ethic and wide knowledge. Can't wait to buy next one!
Bianca helped us to finance our first development property. She is extremely professional with strong work ethic and wide knowledge. Can't wait to buy next one!
Darcy Ryan
Nov 07, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Bianca and her team went above and beyond to help us get the best outcome for our home loan. We were given friendly and clear advice that was a godsend for my wife and I, who knew nothing about the home loan process beforehand.
Bianca and her team went above and beyond to help us get the best outcome for our home loan. We were given friendly and clear advice that was a godsend for my wife and I, who knew nothing about the home loan process beforehand.
Krysta Ryan
Sep 01, 2020
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My husband and I have been dealing with Bianca from Calculated Lending for over 2 years. She is absolutely brilliant. She helped us with our first mortgage, and most recently helped renegotiate our renewal so it better suits our current circumstances and takes advantage of changes to interest rates. She worked within our budget to get us the best loan, and explained everything - she made the confusing world of home loans so much more approachable and easy to understand. She checks in regularly, and works around us - nothing is ever too much trouble. We recommend her to absolutely everyone - with
Darcy Ryan
Aug 31, 2020
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Positive:Professionalism,Quality,Responsiveness,Value
Bianca and her team went above and beyond to help us get the best outcome for our home loan. We were given friendly and clear advice that was a godsend for my wife and I, who knew nothing about the home loan process beforehand.
Bianca and her team went above and beyond to help us get the best outcome for our home loan. We were given friendly and clear advice that was a godsend for my wife and I, who knew nothing about the home loan process beforehand.
Jeremy E.
Jul 31, 2020
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Bianca and her team have provided a high level collaboration with myself and provided tailored solutions to suit my individual requirements. They educated me along the way, so I was making an informed decision and communicated well throughout the whole process. These guys went above and beyond. I have used them a couple times now and wouldn't hesitate to recommend them.
