At the 2021 Census, 39% of homes in White Gum Valley were owned with a mortgage (WA: 40%), 30% were owned outright and 29% were rented. The median mortgage repayment was $2,167 a month and the median rent was $320 a week.

Home ownership figures: ABS 2021 Census, White Gum Valley Suburb and Locality, used under CC BY 4.0. Mortgage broker figures from BrokerScore, updated October 2026.

Buying your first home in White Gum Valley

White Gum Valley is in the $850,000 price cap area for the Australian Government 5% Deposit Scheme (Perth). Eligible first home buyers can buy up to that price with a 5% deposit and no lenders mortgage insurance.

Western Australia grants and concessions

From 7 May 2026: no transfer duty on homes up to $600,000, with a concessional rate up to $800,000.
No duty on vacant land up to $450,000, with a concessional rate up to $550,000.
A First Home Owner Grant is available for eligible new homes.

General information only, checked 9 October 2026. Sources: 5% Deposit Scheme price caps, Western Australia. Eligibility rules apply, so confirm with a mortgage broker.

Find a first home buyer mortgage broker near White Gum Valley →

Mortgage broker White Gum Valley FAQs

How many mortgage brokers are there in White Gum Valley?

There are 0 mortgage brokers on BrokerScore based in White Gum Valley or serving the area, plus 26 more within 5 km.

Who are the top rated mortgage brokers in White Gum Valley?

By BrokerScore, the top rated mortgage brokers in or near White Gum Valley are Premium Portfolio Finance (9.4), BH Brown Mortgage Brokers (6.7) and Aussie Fremantle (6.6). BrokerScore is a rating out of 10 that reflects reviews and how well a mortgage broker looks after the people who contact them. Mortgage brokers can’t pay to change it.

How much does a mortgage broker cost in White Gum Valley?

Most mortgage brokers in White Gum Valley don’t charge you for a standard home loan. They’re usually paid a commission by the lender once your loan settles. Some charge a fee for complex loans, so ask upfront. Every mortgage broker must give you a credit guide that explains how they’re paid and any fees.

What’s the average mortgage repayment in White Gum Valley?

At the 2021 Census, the median mortgage repayment in White Gum Valley was $2,167 a month, and 39% of homes were owned with a mortgage. Interest rates and prices have changed since then, so a local mortgage broker can work out what repayments would look like for you today.

What is the 5% Deposit Scheme price cap in White Gum Valley?

White Gum Valley falls under the $850,000 price cap that applies in Perth. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy up to this price with a 5% deposit and no lenders mortgage insurance. Some suburbs span more than one postcode, so confirm with a participating lender or mortgage broker.

Should I use a mortgage broker or go straight to my bank?

A bank can only offer its own home loans. A mortgage broker compares loans from the lenders on their panel. They must act in your best interests, and they handle the paperwork through to settlement.

How do I choose a mortgage broker in White Gum Valley?

Compare BrokerScores and read recent reviews, check they help with your situation (for example first home buyers, refinancing or self-employed borrowers) and see which lenders they work with. Ask how they’re paid and how many lenders they’ll compare for you. You can message any mortgage broker on this page for free.

Mortgage brokers in suburbs near White Gum Valley

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All mortgage brokers in Perth →

How the list works

The Top Brokers are the three highest BrokerScores in White Gum Valley or within 15 km.

The Featured mortgage broker is on a paid plan, serves White Gum Valley and has a BrokerScore of at least 0.0.

Mortgage brokers with an office in White Gum Valley come next. When fewer than 20 serve White Gum Valley, we add the closest ones nearby and show how far away they are.

How BrokerScore is calculated →

Buying your first home?

See the grants and schemes for first home buyers in WA, and find a mortgage broker who helps first home buyers.

First home buyer guide →Thinking of refinancing? →

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