Personal Loans Perth.

Are you in need of a personal loan?

Helping You With Finance to Achieve Your Goals.

Need some extra cash to finish those bathroom renovations or take a well-deserved holiday? Maybe you just need to pay some bills or consolidate your debts? Whatever your goal, I am the personal loan finance broker who can help you with great finance deals.

With years of experience in the mining industry, I also understand the unique financial needs of FIFO workers.

What Is a Personal Loan?

When you want to finance something other than a car, home, or investment, a personal loan could be what you need. A personal loan enables you to borrow money for your desired purpose and pay it off over an agreed period of time.

You may wish to consolidate outstanding debts, cover your medical/education expenses, or simply want to get away for a well-deserved holiday. Whatever your goal, a personal loan can help you achieve it.

Why Use a Mortgage Broker For a Personal Loan?

There are many advantages to using a mortgage broker for any type of loan, including a personal loan. We know the lenders and understand their policies. We use your credit score to determine your eligibility for the type of loan you are seeking.

We help you find the right loan from the right lender with the right interest rate for your situation. We also help you put together all the paperwork, saving you time and a lot of headaches. Get in touch with me to see how I can help you with your personal loan.

What Drives Mike Mackenzie?

Solutions that work.

Long-term outcomes to reduce your financial stress.

Family-first approach.

Easing the financial burden for you and your family.

Knowledge to empower.

Educating you to make informed financial decisions.

Giving your time back.

Saving you valuable time negotiating with lenders.

Invested in your success.

Simplifying your finances to help you get ahead.

Financing your future.

Tailored finance for today and tomorrow.

Looking For a Personal Loan?
Get in Touch Today!

Personal Loan Types.

Before you apply for a personal loan, it’s a good idea to familiarise yourself with the different types available. Most lenders offer personal loans in one form or another, with varying terms, fees, and interest rates. If you are unsure about the type of personal loan you need, give me a call to discuss your options.

A secured loan is where a lender uses one of your assets as collateral over your loan (usually a vehicle or property). This provides additional assurance to the lender that your debt will be covered if you default on your repayments. Secured loans usually feature lower fees and interest rates than unsecured loans.

An unsecured loan does not require you to offer an asset as collateral over the loan. Unsecured loans include credit cards, student loans, and some personal loans. As no collateral is required for an unsecured loan, it can be a very attractive option for people just starting out or those without major assets.

Got some outstanding debts you just can’t seem to pay off? A debt consolidation loan could the solution.

Debt consolidation merges your existing debts into one manageable loan, usually with a lower interest rate than you are currently paying. I can help you with a debt consolidation loan that will ease the pressure, reduce your personal loan interest, and set you on the path to financial stability. The best news is, consolidating your current debts into one personal loan may allow you to get a home loan if you have a limited borrowing capacity.

If you are a FIFO worker, no problem! I have years of experience in the mining industry and understand your unique financial situation. I can help you save money with a debt consolidation loan tailored to your needs.

Personal Loan vs. Car Loan.

The key difference between a car loan and personal loan is that a car loan is secured, whereas a personal loan is often unsecured. Unsecured loans usually attract a higher interest rate.

A car loan generally covers only the cost of a vehicle at the time of purchase. If, for instance, you need additional funds for registration/insurance, or would like to add some aftermarket modifications, a personal loan could be the right fit for you.

Personal Loan Repayment Calculator.

Want to know how much the repayments could be for your personal loan? Our Personal Loan Repayment calculator can help you find out.

How Can I Help You Today?

Building a new home or renovating?

I can help with great finance deals on construction home loans.

Buying your first home?

I can help get you out of the rent trap and into your first home.

Are you looking for a new home?

I can help with your new home purchase or mortgage refinance.

Financing a vehicle?

I can help with finance to get you into the car of your dreams.

Need finance for your business?

I can help with commercial finance for your business.

Do You Need a Broker Who Cares?
Get in Touch Today!

Testimonials.

“Thanks to Mike’s help we are scheduled to build our dream home! He helped us refinance our current house, and save money. He then walked us through the process of how we could build our dream house as well!

Even if you’re not sure what you can achieve, give Mike a call and he’ll give you your best finance options to move forward. I highly recommend Mike.”

"Mike was so amazing to work with, it wasn't an easy refinance but he made the process as good as it could possibly be. He absolutely went above and beyond. Thank you so much for all the work you did. We are so grateful."

"Mike has been a godsend! He walked me through every stage of the process, making sure I got the best deal with the bank I wanted. His responses were always very prompt & accurate. Mike made purchasing a home effortless. I would strongly recommend him, as I was recommended through a family member."

"Mike Mackenzie is brilliant! My refinance situation was particularly difficult, and he did it with ease. Mike is easy to speak with, knows what to do, and how to get it done. He absolutely knows his job; I wouldn’t go anywhere else. Macca and his team are gold, thanks Mate!"

"Mike has been very helpful in the process of getting my loan. We had a few bumps in the road with the lender, and without him to help me work through them I probably would have given up. Now I’m a happy owner about to build my dream. Thanks again, Mike."

What fees are associated with a personal loan?

Like most types of finance, there are usually fees associated with a personal loan. Fees vary between lenders and loan types so it’s a good idea to get in touch with me to help you find a personal loan with fees to suit your situation.

Upfront fee: Sometimes known as an application fee, this is a one-off fee charged when you apply for a loan. Application fees generally range between $0 and $500, depending on the lender, the type of loan, and your situation.

Ongoing fees: Most loans have a number of fees over the life of the loan to cover administration costs and other lender services. Ongoing fees are usually charged monthly or per the instalments you make in repaying your loan.

Late payment fee: Most lenders charge a fee for failing to make a repayment by the due date. Late payment fees vary between lenders and loans but can easily be avoided by ensuring your repayments are always on time.

Early repayment fee: Many lenders charge a fee for early repayment known as a break cost fee. This fee covers the expected loss to the lender if you pay off your loan early or switch to another type of loan.

What repayment options do I have for a personal loan?

Most lenders offer flexible repayment options to suit your needs and your financial situation. Below, we outline some methods that can assist you to better manage your repayments to suit your situation or pay your loan off sooner.

Extra repayments: Some lenders will allow you to make additional payments on your loan to help you pay it off sooner. In some cases, you will be charged an early repayment fee but this is often far less than what the remaining balance of the loan would have been.

Flexible repayments: Some people, including FIFO workers, have a unique pay cycle that may not correspond with the repayment options of lenders. As your broker, I know the loans that will work for you or will be able to negotiate a flexible repayment frequency tailored to suit your situation.

Increased repayments: If you increase your repayments, some lenders will allow you to reduce your monthly repayments.

My Lending Partners.

I have partnered with multiple lenders, which gives me access to a wider selection of loan options and more competitive rates for you.

Let’s Explore Your Options Together – Contact Us Today

Whether you have questions about your mortgage, need advice on refinancing, or just want to explore your options, we’re here to help. At Your Future Set, we’re committed to guiding you every step of the way.

Let’s start a conversation about how we can support your financial journey.

Book the Conversation

Fill in your details, and one of our experts will get back to you shortly. We’re ready to assist with any queries or concerns you may have

Or fill in the Mortgage Survey below for a quick eligibility check

To ensure we provide you with the best possible advice, we’d love to learn a bit more about your needs first. By filling in the consultation form, we can tailor our conversation to focus on what matters most to you

Stay in touch via our socials.