FI Collective

We are FI Collective, a South Perth mortgage and finance brokerage with head broker and managing director Paul Booth and lending administration support. We assist first home buyers, homeowners refinancing, property investors and business borrowers. Our work extends to construction, bridging and commercial finance as well as appropriate vehicle and equipment lending.

We begin with a conversation about the intended borrowing, financial position and timetable. We help organise the documents needed for lender comparisons and applications, respond to requests for additional information and remain involved through settlement. Clients can return to review their loans when circumstances change. Rates, fees, eligibility and approval depend on the lender's assessment, and we make no guarantee of approval.

We discuss deposits, income, existing debt and manageable repayments before comparing home loan products. Loan terms, fixed or variable rates, fees and other features can affect the household's future budget, so we explain the practical differences.

For first home buyers, we explain deposits, borrowing capacity, pre-approval and relevant Western Australian assistance. We help organise income and savings records and clarify that a preliminary assessment does not guarantee final credit approval.