Business Details
13 Years
experience
Your Trusted Mortgage Broker in Perth, WA
Established in 2013, Black Swan Mortgage Services has grown from a single vision to a trusted name in mortgage broking across Perth. Our team combines over 35 years of collective experience in the UK and Australian markets, offering clients access to a diverse panel of 30+ lenders. We prioritise client needs through personalised service, leveraging our deep industry knowledge to navigate complex mortgage products. Our commitment to transparency and ethical practices has fostered strong referral networks and long-term client relationships. With offices in Ellenbrook, Joondalup, and The Vines, we deliver local expertise backed by national industry standards.Our brokers specialise in home purchases, refinancing, investment portfolios, and business finance solutions tailored to individual circumstances. We maintain Australian Credit License 389328 to ensure compliance with regulatory frameworks while providing fee-free services through lender commissions. Our growth strategy focuses on maintaining boutique-level service quality while expanding our reach across Western Australia. Client satisfaction remains our core metric, evidenced by our reliance on repeat business and professional referrals from real estate agents and accountants.
Services
Home Purchase
Refinance
First Home Owners
Investment
Business Finance
Car Loans
Plant Equipment
Details
- Year established: 2013
Highlights and features
- We offer 35+ years of combined mortgage broking experience across UK and Australian markets
- Our team provides fee-free services through lender commissions with full transparency
- We maintain access to a panel of 30+ lenders including major banks
- Our brokers specialise in first home buyer grants and investment portfolio structuring
- We operate under Australian Credit License 389328 ensuring regulatory compliance
Associations and certifications
- Australian Credit License 389328
What people say
Personalised service
Successful mortgage solutions
High client satisfaction
70% referrals
Ethical practices
Services
Home Purchase
We help clients secure home loans through our access to 30+ lenders, including major banks. Our brokers assess individual financial situations to recommend suitable mortgage products with competitive rates and terms. We handle application processes and coordinate with all parties until settlement.
Refinance
Our refinance service helps clients reduce monthly payments or shorten loan terms by finding better interest rates. We analyse current mortgage arrangements and compare available products to identify potential savings while considering any exit fees from existing lenders.
First Home Owners
We specialise in assisting first home buyers with grant applications and mortgage selection. Our service includes explaining available government incentives, processing paperwork for first home owner grants, and finding suitable loan products with appropriate lending criteria.
Investment
We help investors build property portfolios through strategic mortgage structuring. Our service includes loan product selection for multiple properties, coordination with accountants for tax-effective solutions, and advice on portfolio diversification strategies.
Business Finance
We provide business finance solutions for commercial premises purchases, capital raising, and franchise acquisitions. Our brokers connect clients with specialist lenders and help structure financing arrangements that align with business growth objectives and cash flow requirements.
People
David Mottram
Principal Broker
With 14+ years UK mortgage experience and 15+ years in Australia, David founded Black Swan Mortgage Services in 2013. He specialises in honest advice and has built strong referral networks through client satisfaction.
Kevin Henderson
Mortgage Broker
Former mining industry project manager with 7 years business ownership experience, Kevin joined Black Swan in 2015. He brings financial management expertise and a commitment to 110% customer service.
James Evans
Financial Broker
Commercial finance specialist with marketing background, James joined in 2025. He focuses on property investment strategies and digital finance solutions while maintaining strong client relationship skills.
Questions
How does a mortgage broker service work?
We provide independent advice across 30+ lenders' products, helping clients find suitable mortgage solutions rather than offering only one bank's options.
Why consider using a mortgage broker?
Over 70% of new mortgages use brokers for their industry expertise and access to multiple lenders, ensuring better-suited mortgage products.
Do you charge a brokerage fee?
We generally don't charge fees as we receive commissions from lenders, though any potential fees would be disclosed upfront.
What mortgage services do you offer?
We specialise in home purchases, refinancing, investment properties, business finance, car loans, and plant & equipment financing.
How can first home buyers benefit?
We assist with first home owner grants, paperwork processing, and finding suitable mortgage packages tailored to individual circumstances.
Reviews (2)
Candice Greenwood
Dec 05, 2021
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We highly recommend David at Black Swan Mortgage Services. David found the best option for our situation and from start to finish kept the lines of communication open and crystal clear. David’s sound knowledge and expertise allowed us to get the best result we could hope for. A++.
Jaylene Green
Dec 01, 2021
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We wish we’d found David years ago. By far, the best broker! We appreciated his prompt communication, attention to detail and willingness to get results. Highly recommend!
