Mortgage Broker Mindarie - 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 Mindarie property right now

We help buyers in Mindarie understand the local property landscape alongside their borrowing options. From assessing borrowing capacity and arranging pre-approval to comparing suitable lending products, the brokerage provides clear, practical support throughout the finance process.

Property market insights for Mindarie

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

Price trend for house sales

$ 01 , 030500 , 000000

Past 12 months:

16.8%

DATA INSIGHTS

If you bought a house in
Mindarie you may have gained

$ 050300 , 000000

Gross yield 3.8%

Time on market14 days

Past 12 months:

10.9%

Weekly rent $998

3BR$1.1m

4BR$1.4m

5BR+$1.9m

Growth in houses

House prices have seen consistent gains over the past five years, and the latest twelve-month change, a 17% rise, suggests ongoing buyer interest in Mindarie’s residential market.

2026$1,250,000 to $1,450,000

2025$1,070,000 to $1,240,000

2024$845,000 to $985,000

2023$755,000 to $875,000

2022$760,000 to $880,000

Growth in units

While unit prices have recorded modest growth over the past five years, the more recent twelve-month movement of a 13% increase points to measured demand.

2026$930,000 to $1,080,000

2025$830,000 to $960,000

2024$710,000 to $830,000

2023$580,000 to $675,000

2022$620,000 to $720,000

Purchasing property in Mindarie

Over the past five years house prices in Mindarie have risen by around 65% while unit prices have increased by about 50%, reflecting different demand drivers across the suburb. The rise in house values aligns with ongoing demand for family-sized homes on larger blocks, proximity to schools, parks and coastal open space, and the appeal of owner-occupier living close to the marina and transport links. Growth in unit values has been supported by investor interest and downsizer demand, plus more affordable entry points for first‑home buyers and renters seeking proximity to the foreshore and local amenities.

For prospective buyers the current market movement suggests an opportunity to secure finance that matches specific goals, whether buying a family home or an investment unit. A mortgage broker can assess borrowing capacity, compare lenders and loan structures and clarify which loan features suit the purchase plan, helping to present realistic options and documentation to lenders. Given the measured nature of recent gains, now is a considered time to review finance options and move from planning to purchase.

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

Estimate how much you could borrow to buy in Mindarie with a borrowing estimate and pre‑approval. The brokerage will review income, expenses and current loans to provide a realistic borrowing range and explain how deposit size and loan structure affect capacity.

Why choose Phil Farrugia Home of Finance in Mindarie, Perth WA

Discover what sets Phil Farrugia Home of Finance apart when arranging home loans in Mindarie. The team blends clear communication with a process-driven approach to guide clients from pre-approval to settlement, making lending steps easier to follow.

Access to a wide lender panel

We help clients compare lending options across many lenders and recommend loan structures that match borrowing goals and plans.

Clear guidance on loan structure

We explain loan structure options and how features affect repayments, taxes and future borrowing capacity. Phil Farrugia Home of Finance compares likely scenarios and sets out practical trade-offs so clients can pick a loan that fits.

Support through application and settlement

Full application support lessens lender follow‑up and clarifies required paperwork, while ongoing liaison keeps the process moving toward settlement.

Benefits of living in Mindarie

Discover the area

Lifestyle and living

Mindarie presents a relaxed coastal lifestyle centred on the Mindarie Marina and nearby foreshore, giving residents ready access to waterfront dining, walking paths and recreational boating. The suburb’s streets combine low‑rise housing and pockets of townhouses with landscaped verges, creating a suburban feel that remains closely connected to the water and open space.

Daily life in Mindarie is practical and community focused, with convenient local shops, cafés and parks within walking distance for many households. Public transport links to Clarkson Station and surrounding suburbs support commuter routes, while nearby schools, sporting grounds and family amenities make the area well suited to those seeking a calm, seaside setting without losing suburban conveniences.

Demographics

Mindarie has a mix of families, established owners, professionals and retirees who value coastal living. Households include young families drawn to nearby schools and parks, long‑term owner‑occupiers enjoying the marina and foreshore, and residents in standalone homes on medium to large blocks. A local rental market serves short‑term coastal renters and longer‑term tenants working nearby. Commuters travel to Clarkson Station and surrounding centres for work. Life stages vary: school families, professional couples and active retirees.

Population 7,867

Owner Renter

84%16%

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.