Mortgage broker Ellenbrook

Financing a new build in Ellenbrook

A large share of purchases in Ellenbrook are house-and-land packages or near-new stock, which use construction loans with staged drawdowns rather than a standard single settlement.

We manage the process between you, the builder and the lender at each stage, and make sure your pre-approval stays valid for the length of the build.

What's different about lending in Ellenbrook

• The new Metronet rail connection has materially changed how lenders and valuers view Ellenbrook — recent sales evidence reflects the improved transport access, but older comparable data may understate current values.
• Most stock is house-and-land packages using construction loans with staged drawdowns rather than standard existing-home settlement.
• WA's First Home Owner Grant applies to new builds here but not established homes, which continues to drive strong first home buyer demand for house-and-land packages specifically.
• As a fringe-corridor suburb, some lenders apply more conservative LVR caps than in established suburbs — a broker who knows which lenders are comfortable with the location matters more here.

Upfront costs in Ellenbrook

Western Australian transfer duty and any new-home grants apply differently depending on whether you're buying land-and-build or an established property — this is often the single biggest cost variable in a growth corridor.

Factor in conveyancing, building and pest (for established purchases), and settlement adjustments on top of deposit and duty.

Working with a broker remotely

Home loans in Australia are handled digitally end to end, and we work with Ellenbrook clients by phone and video with the same lender panel and pricing you'd get walking into a branch.

Our service is free to you — we're paid by the lender that funds the loan, disclosed to you in writing before you apply, and your rate isn't loaded to cover it.

The Ellenbrook property market

Ellenbrook is a large master-planned community on Perth's north-eastern fringe, historically reliant on road access but transformed by the Metronet rail extension, which finally connected the suburb directly to the Perth CBD. Housing is almost entirely house-and-land packages and near-new estates built from the late 1990s onward, and buyers are predominantly young families and first home buyers taking advantage of comparatively affordable land prices this far from the coast. The new train line has already lifted buyer confidence and prices, and lenders and valuers are recalibrating how they treat what was previously viewed as a purely car-dependent estate.