The Perth Mortgage Specialist

The Perth Mortgage Specialist is a mortgage broking business trading under Luminosity Holdings Pty Ltd as trustee for the Luminosity Trust. The principal is Michael Harris, who holds a BSc Economics from the London School of Economics, a Diploma of Finance and Mortgage Broking Management, and a Certificate IV in Finance and Mortgage Broking.

As part of a WA owned and operated business focused solely on the Perth market, it offers home loan types including basic, standard variable, fixed rate, split rate, construction, low doc, bridging, reverse, interest only, honeymoon rate, line of credit, and professional packages. It has access to over 1400 financial products from more than 30 lenders. Services, provided at no cost to the client with no clawback fees, include complimentary RP Data property reports, suburb profiles, and loan health checks. Post-settlement services include regular interest rate updates, newsletters, and home loan health checks.

Home loan assistance, refinancing and bridging finance are the services clients most often describe, and the names Michael and Sue feature repeatedly in accounts of the service received. An aspect raised across a number of reviews is the clarity with which loan options and scenarios were explained, so that borrowers understood each stage of the process rather than being left to interpret documents on their own. People buying a first home, refinancing an existing loan or acquiring an investment property describe a personalised approach that made a complicated and extensive process feel manageable.

Several customers mention how quickly pre-approval was obtained and how, when circumstances shifted, a reapplication for bridging finance was handled without disruption; finance approval is reported to have followed within a week. Responsiveness and availability stand out, with queries answered promptly and clients kept informed throughout. The effort made to secure a competitive interest rate, including savings achieved through refinancing, is another theme, as is the patience shown to first home buyers working through their questions. Reviewers describe Michael and his team as knowledgeable, organised and supportive, never pushy, and several note that they felt genuinely important to the team.