Business Details
14 Years
experience
Your Trusted Mortgage Brokers in Perth
Calculated Lending is an award-winning boutique finance and mortgage broking service based in Perth. We are dedicated to providing strategic, holistic, and personalised advice tailored to each client's unique financial situation. Founded by industry leader Bianca Patterson, our team specialises in home and investment lending, commercial finance, business lending, and development finance. With over a decade of combined experience, we combine deep financial expertise with a thorough understanding of the property market to deliver long-term solutions.Our commitment to education, ethical conduct, and industry excellence has redefined client expectations in the broking industry. By prioritising transparency and client empowerment, we ensure every financial decision aligns with our clients' goals. Our recognition through multiple state and national awards underscores our dedication to service excellence and innovation. Partnering with us means accessing customised financial strategies backed by proven expertise and a client-first approach.
Services
Home Loans
Investment Loans
Commercial Loans
Development Finance
Business Finance
Equipment Finance
Details
- Year established: 2012
Highlights and features
- We are MFAA Accredited Mentors with 12+ years of combined industry experience.
- Award-winning professionals in residential and investment lending excellence.
- Specialise in structuring strategic finance solutions for complex property portfolios.
- Committed to client education and transparent financial decision-making.
- Recognised for ethical conduct and innovation in mortgage broking.
Associations and certifications
- Mortgage & Finance Association of Australia (MFAA)
What people say
Knowledgeable and efficient
Stress-free process
Proactive communication
Industry-leading expertise
Tailored financial solutions
Services
Home Loans
We specialise in arranging competitive home loans tailored to individual circumstances, whether purchasing a primary residence or refinancing existing mortgages. Our expertise ensures optimal loan structures for long-term financial stability. Clients benefit from our extensive lender network and market knowledge to secure favourable terms.
Investment Loans
Our investment loan specialists create strategic financing structures to protect assets and maximise equity growth. We focus on tax-efficient solutions and portfolio diversification strategies for property investors. Clients receive ongoing support to expand and optimise their investment holdings.
Commercial Loans
We provide financing solutions for commercial property acquisitions, including office spaces, retail centres, and industrial facilities. Our team understands complex commercial lending criteria to deliver tailored funding options. Clients gain access to specialised lenders and competitive commercial mortgage rates.
Development Finance
Our development finance services support projects ranging from single-home builds to large-scale residential or commercial developments. We structure multi-stage financing solutions aligned with project timelines and budget requirements. Clients receive expert guidance through the entire development approval process.
Business Finance
We offer business lending solutions for company growth, including cash flow management and equipment financing. Our approach considers both business and personal financial objectives to create integrated lending strategies. Clients access flexible financing products tailored to their industry-specific needs.
People
Bianca Patterson
Director & Mortgage Specialist
Award-winning mortgage broker with 12 years' experience, MFAA Accredited Mentor, and multiple state/national award recipient. Specialises in holistic finance solutions and industry education.
Tracey Watkins
Mortgage and Finance Specialist
23-year industry veteran with expertise in property market dynamics and client-focused finance solutions. Recognised for compliance excellence and stress-free loan processes.
Questions
What types of mortgage loans do you specialise in?
We specialise in residential home loans, investment property financing, commercial mortgages, development finance, and business lending solutions tailored to individual client needs.
How do you ensure I get the best mortgage rate?
We access multiple lenders and customise loan structures based on your financial profile, leveraging our industry relationships and market expertise to secure competitive rates.
Can you help first-time home buyers?
Yes, we provide tailored guidance for first-time buyers, including government grant applications and low-deposit solutions while ensuring long-term affordability.
What areas do you service?
Primarily Western Australia, with a focus on Perth metropolitan and surrounding regions for residential and commercial clients.
How are you different from bank lenders?
As independent brokers, we offer unbiased advice across multiple lenders, prioritising your financial goals over product-specific sales targets used by traditional banks.
Do you offer ongoing mortgage support?
Yes, we provide continuous portfolio reviews and market updates to ensure your mortgage remains optimised as your financial circumstances evolve.
