About Us

Calculated Lending is a boutique mortgage broking firm led by award-winning Perth broker Bianca Patterson, delivering strategic, personalised lending solutions built on trust and expertise.

As the Founder and Director of Calculated Lending, Bianca Patterson is widely recognised as one of Western Australia’s leading mortgage and finance specialists. Her extensive knowledge, integrity, and genuine client-first approach have made her one of Perth’s most trusted and sought-after brokers.

Bianca is passionate about delivering outstanding service and clear, strategic advice to her clients. With over 14 years of experience in the mortgage broking industry, she has earned a strong reputation within the WA finance and property market as a highly respected and collaborative leader.

Having served on the Mortgage & Finance Association of Australia (MFAA) Young Professional and Community Panels, and as an MFAA Fellow and MFAA Accredited Mentor, Bianca is dedicated to fostering the next generation of brokers and promoting continued professional development across the industry.

At Calculated Lending, Bianca provides personalised, well-considered, long-term advice and lending solutions across home loans, investment lending, development, commercial and SMSF finance and business lending, helping clients make confident, informed decisions about their financial future.

With more than 25 years of experience in the finance and property industry, Tracey brings deep knowledge and a practical, client-focused approach to every lending scenario. Her strong understanding of internal lending processes, combined with her diverse business background, allows her to navigate complex situations with confidence and clarity. Clients value her organised, thorough and genuinely supportive style.

Tracey is passionate about helping clients achieve their long-term financial goals by applying smart, tailored strategies. She is committed to making the finance process smooth, simple and stress-free, ensuring clients feel informed and supported at every stage.

At Calculated Lending, Tracey works closely with clients to provide holistic advice and exceptional service. She specialises in delivering customised solutions across home loans, investment lending, asset finance, commercial finance, and business lending.

Client Testimonials

Trusted by clients for clear advice, personalised service, and confident lending decisions.

    
 
 
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   Lindsey White 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Tracey from Calculated Lending. Fantastic service and so lovely.
  
 
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   John F 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bianca and the Calculated Lending team are truly exceptional and come with our highest recommendation.

We have relied on Bianca as our mortgage broker for over 10 years, and her service remains unparalleled. She consistently upholds the highest level of professional integrity and honesty - a rare find.

Throughout every financing process, Bianca ensures consistent, clear communication, making complex matters easy to understand. She has repeatedly gone above and beyond, thoroughly addressing all our questions and meeting urgent deadlines, from purchasing our first home to negotiating ongoing interest rates and securing investment properties.

Bianca is a wealth of knowledge and has covered us for every scenario imaginable. Even post-settlement, her follow-up is proactive, ensuring a smooth transition and optimal financial outcomes. If you are looking for a reliable, honest, and expert broker, Bianca is the only choice.
  
 
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   Matt 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tracey Watkins and Bianca Patterson were a pleasure to work with. From our first contact with Bianca to explore our options as first home buyers, to me calling Tracey first thing on a Monday morning in a frantic search for help to submit an offer on a house we found, Tracey worked tirelessly and promptly to help me understand and organise everything. Tracey gave clear, consistent, and timely feedback to ensure our purchase went smoothly. Tracey was crucial to our offer being accepted, guiding us through every step until we received our keys and even after we settled in. By far, the best service and genuine care I have experienced in ages, turning what could have been a stressful process into an exciting journey. I look forward to working with Tracey and Calculated Lending for many years to come.
  
 
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   Victoria Horlock 
 
 
 
 Trustindex verifies that the original source of the review is Google. Tracey Watkins has assisted us many times in applying for finance and this time had our finance approved within 24 hours.   Tracey is professional and makes the process easy and stress free.    I would not hesitate to recommend Tracey.
  
 
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   Nick Lefebvre 
 
 
 
 Trustindex verifies that the original source of the review is Google. We recently worked with Tracey Watkins from Calculated Lending as we were embarking on the daunting journey of buying a new home. From the outset Tracey came across as very proactive, leaving no stone turn unturned. Tracey is well organised, empathetic and went over and above what we would typically expect. She helped ease what is typically a very stressful process so I would strongly recommend Tracey and the Calculated Lending team for those seeking help with their next home loan.
  
 
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   Jon Drumm 
 
 
 
 Trustindex verifies that the original source of the review is Google. Need a finance broker, your search stops here. It is a very rare thing these days to be able to find someone who absolutely has your back.

We recently had the pleasure of working with Bianca to secure a mortgage, and the entire experience was absolutely flawless from start to finish. Their professionalism, support, and guidance throughout the process were second to none.

As first-time buyers, we had a lot of questions, but nothing was ever too much trouble. They took the time to explain everything clearly and made sure we understood each step along the way. Their calm and confident approach helped ease any anxiety we had, and they truly made what can often be a stressful process feel seamless.

We are incredibly grateful for their dedication and would not hesitate to recommend them to anyone looking for expert financial advice and services. Thank you again for helping get us into the market, our own house, with a very pleasing mortgage product, allowing us to take this big step with confidence!
  
 
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   Renee Paparone 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Bianca at Calculated Lending highly enough!! She was incredibly efficient and thorough throughout the remortgaging process. Clear, responsive, and reliable — she made the experience smooth and stress-free. A true professional and a pleasure to work with. A rare find!
  
 
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   Nicola Delnevo 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent!!
Bianca kept us up to date and informed throughout the whole process. She responded to any questions quickly and efficiently.
It was a pleasure to deal with Bianca and we would highly recommend.
  
 
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   Sue Speirs 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have been fortunate to use the professional services of Tracey for a number of years.  As always, the friendly and expert advice was valuable, and the process seamless and efficient as a result of Tracey's knowledge and her above and beyond customer service. I can't recommend this business more highly and wouldn't go anywhere else!
  
 
  
  
 
 
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“I am so glad we contacted Tracey, she came highly recommended and we have not been disappointed. My husband and I were constantly stressed about our financial situation. After meeting with Tracey, we felt she took the time to look over our personal situation and developed a plan with us.”

Joanna and Gary

“Very professional and very kind person makes me felt too comfortable and I would like to do more business with Bianca in the future!”

M Huang

“Bianca is very quick to respond and is extremely knowledgeable.
Bianca will get the best rate and product for you.”

Sarah

“Professional and friendly service.
Helpful and knowledge staff willing to go the extra mile for you.
Once again thank you for all you help I really appreciate everything you and your company have done for us in making our new lives in Australia possible.”

T Williams

“Great mortgage broker. Friendly service. Excellent knowledge. Happily explained difficult concepts and terms.”

R Spilsbury

“You were patient; always willing to answer any question and guide us through the process. You were very approachable.
No pressure when we were just looking. then good amount of pressure when things had to move due to wanting to buy a house.
Another great aspect to your service is your depth of knowledge and technical expertise.”

Claire

“The friendly and efficient manner. Also the commitment I never felt like I was a burden even when I asked silly questions. The support I received was amazing this was my first time buying and thanks to your support and open communication it definitely helped keep my stress levels low.”

Olivia

“Dear Bianca, Thank you for all your advice, guidance and support in securing our new home!
You really went above and beyond and we can’t wait to recommend you to all our friends & family and watch your business grow!”

T & H Murr

“Bianca is amazing at looking at your finances, taking your goals into account and then offering you effective solutions to choose from.
Bianca is organised, effective and professional.”

Jaye

Disclaimer: Client testimonials reflect individual experiences and outcomes, which may differ for other clients. Testimonials do not constitute financial or credit advice.

Awards

Trusted by clients for clear advice, personalised service, and confident lending decisions.

Connective Excellence Awards 2022 Winner

Connective Excellence Awards 2019 Winner

Better Business Awards 2018 Finalist Best Customer Service

Better Business Awards 2018 WINNER EDITOR'S CHOICE WA — Better Business Awards 2018 WINNER EDITOR’S CHOICE WA

MFAA Excellence Awards 2016 Winner Residential Finance Broker WA

Connective Excellence Awards 2017 Winner

Better Business Awards 2017 FINALIST Rising Star WA

MFAA Excellence Awards 2016 Winner Young Professional WA

Broker of the Year - Better Business Awards 2014 Winner — Broker of the Year – Better Business Awards 2014 Winner

Best Newcomer - Better Business Awards 2014 Winner — Best Newcomer – Better Business Awards 2014 Winner

Community

Calculated Lending are proud to support the following causes

Finance Brokes Ride to Conquer Cancer

The MACA Ride to Conquer Cancer is a 2-day 200km cycling event in Perth.

In 2018 Team Finance Brokers Ride to Conquer Cancer raised $90,657.

2018 marked the 7th Ride to Conquer Cancer and saw the total fundraising efforts of all Riders surpass $30 million. These funds go directly to the Harry Perkins Institute of Medical Research and are put to critical work, researching cancer, with the goal of making cancer non-lethal.

The Big Issue

The Big Issue is an independent, not-for-profit organisation dedicated to supporting and creating job opportunities for homeless, marginalised and disadvantaged people. Simply put, they help people help themselves.

The Big Issue run social enterprises to create employment for people who are unable to access mainstream jobs. These enterprises operate much like traditional businesses, except all revenue is put back into the enterprises for the benefit of the individuals involved and broader community.