Mortgage Broker Burns Beach - Phil Farrugia Home of Finance

Hello I’m Phil Farrugia, your local mortgage broker. With our expert knowledge of the area, I’m here to make your finance and home loan options easier. Whether you’re buying, refinancing or investing, I’ll help you compare your options and find a loan that suits your goals.

Mortgage Broker
Phone: 0467 444 707
Email: phil@pfhof.com.au

What Phil Farrugia Home of Finance knows about Burns Beach property right now

We guide Burns Beach buyers through the local market and the lending process so decisions are clearer and better informed. Advice ranges from assessing borrowing capacity and arranging pre-approval to comparing lender policies and loan features, helping clients understand which finance options suit their purchase.

Property market insights for Burns Beach

The following provides an overview of property growth in Burns Beach supported by additional market data.

Price trend for property sales

$ 01 , 060905 , 000000

Past 12 months:

21.1%

DATA INSIGHTS

If you bought a property in
Burns Beach you may have gained

$ 070100 , 000000

Gross yield 4.3%

Time on market12 days

Past 12 months:

20.4%

Weekly rent $1,400

4BR+$1.5m

Growth in property

While property prices have recorded steady gains over the past five years, the more recent twelve-month movement of a 21% increase points to measured demand.

2026$1,570,000 to $1,820,000

2025$1,300,000 to $1,510,000

2024$1,080,000 to $1,260,000

2023$940,000 to $1,100,000

2022$910,000 to $1,060,000

Purchasing property in Burns Beach

Property values in Burns Beach have risen by around 72% over the past five years, reflecting sustained buyer interest in coastal suburbs with good amenities. The suburb’s appeal is driven largely by demand for family-sized homes on reasonable land parcels, close access to foreshore parkland, and the convenience of nearby schools and Transperth bus links to Joondalup and Clarkson. Those factors have supported steady purchaser activity and created a market where homeownership remains a core driver of local value.

It may be a sensible time to consider purchasing because measured price growth has created clearer expectations for borrowing and repayment planning. A broker can help by assessing borrowing capacity, arranging pre-approval, comparing lender policies and loan structures, and outlining how different options affect monthly repayments and long‑term outcomes. With careful planning and lender comparison, buyers can make a confident, well‑informed decision about entering the Burns Beach market.

Want to find out how much you could borrow to buy property in Burns Beach?

Wondering how much you can borrow for a Burns Beach purchase? Assess income, expenses and deposit to estimate borrowing capacity and find suitable lenders and loan types.

Why choose Phil Farrugia Home of Finance in Burns Beach, Perth WA

Find out why clients in Burns Beach choose Phil Farrugia Home of Finance and how our brokerage helps simplify lending decisions. We take a process-driven approach, explain loan options in plain language, liaise with lenders on your behalf and carefully guide buyers, refinancers and investors from application through to smooth, successful settlement.

Clear explanation of loan options

We guide borrowers through loan features, fees and repayment options to make lender comparisons easier for Burns Beach buyers.

Access to a broad lender network

Clients benefit from relationships with multiple lenders, giving more scope to find competitive interest rates and flexible loan terms.

Help through application and settlement

Ongoing support is provided across the whole process, from preparing paperwork and pre‑approval to lender follow‑up and settlement coordination.

Benefits of living in Burns Beach

Discover the area

Lifestyle and living

Burns Beach offers a relaxed coastal lifestyle defined by beachside parkland, low‑density housing and strong connection to the shoreline. Residents have easy access to the Burns Beach foreshore reserve and walking trails, while a small foreshore café and restaurant precinct provides local dining and casual meeting spots. The recently opened Burns Beach Primary School and nearby parks make family life straightforward, and Transperth bus services link the suburb with Joondalup and Clarkson stations for wider metropolitan connections.

Daily conveniences stem from a neighbourhood feel and practical amenities rather than large shopping centres. Local recreation is dominated by coastal open space and playgrounds, with informal community events and outdoor activities common on weekends.

Demographics

Burns Beach features a coastal, family‑oriented mix of households. Many residents own detached homes and have children, attracted by nearby parks, foreshore open space and local primary schooling. The suburb also has professionals and downsizers in low‑rise units and townhouses who value coastal convenience and transport links to Joondalup and Clarkson. Household sizes tend to be larger than inner‑city areas, with families, couples without children and retired residents choosing quieter coastal living.

Population 4,071

Owner Renter

91%9%

We offer comprehensive support for all your home loan and finance needs across a range of services. No matter who you are, our experienced team is committed to finding the right options tailored to your unique situation.

Home loans

The right loan structure can make a huge difference over the life of the mortgage. With access to a wide panel of lenders, we'll help you compare and choose a home loan that suits your needs.

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First home buyers

Choosing a home is a crucial decision but securing the right mortgage is just as important. With access to over 50 lenders, our team can help you get a great deal or find the right lender for your first home.

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Refinance

As a mortgage broker, we offer clients competitive rates and access to a wide range of products on the market. You may be costing yourself thousands of dollars a year by not refinancing, so get in touch today.

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Investing

Many Australians are looking to get ahead by investing in real estate. With a range of products and lenders to choose from, now is an ideal time to strategically expand your investment property portfolio.

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Pre approval

Pre-approval helps you understand what you can borrow before you start making offers. We’ll guide you through the process, prepare your application and work with the lender to secure an approval.

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Personal loans

If you’re consolidating debt, covering a big expense, renovating or planning a major purchase, a personal loan can help you spread the cost into manageable repayments with a predictable schedule.

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Commercial loans

Commercial lending is rarely one-size-fits-all - the right option depends on your business structure, cash flow, financials and the specific asset you’re funding, so getting the loan set up properly is critical.

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Construction loans

Building comes with a different lending process, including progress payments at each stage. We can help you organise approvals and coordinate with your lender so the funding keeps pace.

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Vehicle finance

Whether it’s a personal car or a vehicle for your business, the right finance can help you secure a competitive rate, reduce the total cost over time and keep repayments manageable.

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SMSF finance

Buying property through a self-managed super fund involves strict rules and a specialised loan structure. We’ll work with you to explore SMSF lending options and help you understand the process.

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Asset finance

Asset finance can help you purchase the equipment you need without tying up cash flow, from machinery and tech to tools and fitouts. We can help you choose a structure that makes sense for your business.

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Get in touch with our team by completing an online form or by emailing us today.

A member of our team will send you the relevant onboarding and fact finder forms, and help you complete them.

We review the forms then provide you with borrowing capacity and lender options to select from.

Phil Farrugia

Mortgage Broker

Phone: 0467 444 707
Email: phil@pfhof.com.au

With nearly 30 years in banking and finance, Phil is a Mortgage Specialist based in Connolly who supports first home buyers, upgraders and investors across Perth’s northern suburbs. He draws on deep lender knowledge and hands-on experience in loan structuring and application management to guide clients from initial enquiry through to settlement.

Known for outstanding customer service and an honest, client-focused approach, Phil simplifies lending by explaining options clearly, negotiating with lenders and applying local market insight to make borrowing straightforward.