Business Details
13 Years
experience
Your Trusted Mortgage Broker in Perth
Black Swan Mortgage Services was founded in 2013 with a commitment to delivering personalized mortgage solutions. Our team combines over 35 years of collective experience across the UK and Australian markets, offering clients access to a diverse panel of 30+ lenders. We specialise in navigating complex mortgage products to find tailored solutions for first home buyers, investors, and business owners. Our brokers prioritise transparent communication and ongoing support throughout the entire mortgage process. With offices in Ellenbrook, Joondalup, and The Vines, we maintain strong local connections while leveraging national industry expertise.Our reputation for exceptional service has been built through consistent client satisfaction and professional referrals. We focus on long-term financial planning, including investment property portfolios and refinancing strategies. Our brokers work independently to advocate for clients' interests rather than specific lenders. Continuous professional development ensures our team remains current with evolving mortgage regulations and market conditions. We measure success through client outcomes and the growth of our referral-based business model.
Services
House Purchase
Refinance
First Home Owners
Investment
Business Finance
Car Loans
Plant & Equipment
Details
- Year established: 2013
Highlights and features
- We offer 35+ years combined mortgage broking experience across UK and Australian markets
- Our no brokerage fee policy (paid by banks through commissions) ensures transparent service
- We provide localized expertise with offices in Ellenbrook, Joondalup, and The Vines
- Access to 30+ lenders including all major Australian banks for comprehensive options
- Personalized service model with ongoing support from application to settlement
Associations and certifications
- Australian Credit License 389328
Services
House Purchase
We specialise in finding suitable home loan products for property purchases. Our service includes comparing mortgage options from 30+ lenders, providing impartial advice on interest rates and fees, and guiding clients through the application process. We help buyers understand their borrowing capacity and negotiate with lenders to secure favourable terms.
Refinance
Our refinancing service helps homeowners reduce mortgage costs by finding better loan products. We analyse current mortgage arrangements, compare market rates, and identify potential savings. We assist with the transition process to new lenders while ensuring clients understand any exit fees or break costs associated with their existing loans.
First Home Owners
We provide tailored support for first home buyers, including guidance on government grants and eligibility requirements. Our service covers mortgage pre-approvals, loan product comparisons, and assistance with grant applications. We explain stamp duty concessions and help navigate the entire purchase process from initial enquiry to settlement.
Investment
Our investment services focus on building property portfolios through strategic financing. We advise on investment loan structures, cash flow analysis, and tax-effective borrowing strategies. We work with accountants and financial planners to ensure mortgage solutions align with broader investment goals and help clients maximise their property investment potential.
Business Finance
We arrange business finance solutions including commercial property loans, equipment financing, and franchise purchases. Our service involves assessing business financials, identifying suitable lenders, and negotiating terms that match business requirements. We help with documentation preparation and liaise with lenders to facilitate timely approvals and funding.
People
David Mottram
Owner & Broker
With 14+ years UK mortgage experience and 15+ years in Australia, David established Black Swan Mortgages in 2013. He specialises in honest advice and has built a referral-based business through consistent client satisfaction.
Kevin Henderson
Financial Broker
Kevin joined in 2015 after 7 years managing a design company's finances. He brings 15+ years oil & gas project management experience and focuses on delivering exceptional service to Perth clients.
James Evans
Financial Broker
James joined in 2025 with commercial finance experience and a marketing background. He specialises in property investment strategies and digital commodities, providing comprehensive financial solutions to clients across Western Australia.
Questions
How does your mortgage broking service work?
We act as your advocate, comparing mortgage products from 30+ lenders to find the best fit for your financial situation and goals.
Why use a mortgage broker instead of going directly to a bank?
Brokers provide access to multiple lenders' products, offering impartial advice compared to banks that only promote their own mortgage options.
Do you charge any brokerage fees?
We generally don't charge fees as we receive commissions from lenders, though we'll disclose any potential costs upfront.
What mortgage services do you offer?
We provide house purchases, refinancing, first home owner assistance, investment property loans, business finance, and vehicle financing.
How can you help first home buyers?
We assist with mortgage applications, First Home Owners Grant submissions, and finding suitable loan products with competitive rates.
