Finance

The 2025 Finance Outlook: What WA Buyers Need to Know Before Taking Out a Loan

  •  
5min
7/11/2025
Nathan Hanna
Director

It has been a big couple of years for finance in WA, and 2025 is shaping up to bring both new opportunities and challenges for borrowers. Whether you are planning a new car, boat, or business upgrade, knowing what to expect can help you make smarter choices and avoid costly mistakes.

Rising demand and changing lender criteria

Across Western Australia, lenders are reporting higher demand for asset finance. With interest rates stabilising, more people are returning to the market, but turnaround times are starting to stretch again. It pays to get pre-approvals sorted early for a smoother process.

Why local knowledge matters

Working with a Perth-based finance broker gives you an edge. Local brokers understand WA’s lending environment, seasonal patterns, and which lenders are most competitive for different industries and asset types.

Car and boat finance leading the way

WA buyers continue to prioritise lifestyle. Car finance dominates, particularly for 4WDs, utes, and family SUVs. Marine finance is also on the rise heading into summer, with more locals opting for small boats, jet skis, and weekend getaways along the coast.

How Hanna Lending can help

We work with a network of trusted lenders across Australia to find the right finance option for your needs, whether you are self-employed, upgrading your car, or expanding your business.
If you are thinking about finance in early 2025, now is the time to start the conversation.

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Nathan Hanna
Director
Nathan has 10 years experience as a finance broker, helping Australians find the right loan. Nathan will work with you to get your next asset or personal finance.

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