Renting in Western Australia?

The security bond must be lodged with the Bond Administrator (Consumer Protection) until the end of the tenancy.  If more than one person has paid the bond, the names of all the parties must appear on the lodgement form to protect everyone’s share. The Bond Administrator will send a record of payment of the security bond directly to the tenant/s.

Some tenants will arrange for the security bond to be paid to the owner (or agent) on their behalf by the Department of Communities. This money is a personal loan from the Department of Communities to the tenant to help them rent in the private sector. A security bond provided by the Department of Communities must be dealt with like any other person's bond.

The bond money is held with the Bond Administrator through BondsOnline. This is through the Western Australian Government's Department of Mines, Industry Regulation and Safety.

At the end of the residential tenancy agreement, the bond should be refunded to either the tenant or the landlord, depending on whether the tenant has breached the terms of the agreement.

The landlord or tenant should make an application for the bond refund within six months of the end of the tenancy agreement.

In WA, a tenant is responsible to ensure the property is left at the end of the tenancy in a similar condition to how it was at the start of the tenancy, taking into account fair wear and tear. This can be seen through the condition reports.

The tenant is responsible for the cost of repairing any damage to the rental property throughout their tenancy. These costs can be claimed from the bond if the tenant agrees.

If the parties do not agree on the terms of the bond refund, they have two options.

1. Negotiation help - If the landlord and tenant can't come to an agreement about the bond disposal or if a dispute arises over how the bond money should be paid out, it may be able to be resolved by negotiation. WA Consumer Protection offers services to help negotiate a mutually acceptable agreement. Tenants can request assistance via the online complaint form.
2. Magistrates Court - If it is necessary to seek a court order, a Form 6 Application for Disposal of Bond Money should be completed and lodged online from the Magistrates Court. Either the tenant or the landlord can begin this process.

Once the form is lodged, the court will send a copy to the other party, who has three options:

• agree to settle the dispute;
• dispute the application by lodging a Form 5 Notice of Intention to Dispute Application for Disposal of Bond Money (from the Magistrates Court) within seven days, when the matter is set down for hearing before a magistrate; or
• ignore the notice, the court may then issue an order for the release of the bond after seven days.

If a dispute goes to court at the end of a tenancy, the magistrate will make an order as to how the bond money is to be paid out.

Keeping the premises in good condition is always a step in the right direction, especially near the end of your tenancy. Bond cleaners are also an available service if you deem your rental in need of a good clean.

Another way to help you get your bond back is your condition reports. The more photos you take of any existing damages before you start dwelling in the property, the more evidence you have to show if the lessor pulls you up on damages you, your co-tenants or guests weren't responsible for when the lease ends.

The WA Government’s Department of Mines, Industry Regulation and Safety is the main body for bonds and renters in WA. This department provides an informative guide about your rights and responsibilities as a tenant in WA.

Legal Aid in WA can assist with any form of legal issues about renting in WA.

You can apply for varying loan amounts with Jacaranda, depending on your needs. With our Express Personal Loan, you can borrow between $5,000 and $25,000. 

For detailed information about who our products are designed for, please review our Target Market Determinations.

Use our loan repayment estimate calculator to get a guide on what your repayments could be. To get an idea of what rates, fees and charges are associated with our loans, visit our rates and fees page.

Our loan application process has been designed to be as simple and quick as possible, as we know how important it is to receive your funds in a timely manner. How quickly you can apply for a personal loan and receive your funds will depend on your situation.

Applying for a loan with Jacaranda Finance takes most people 5-12 minutes¹, but it could take longer depending on a number of factors such as but not limited to how fast you are at typing or if you have all the required information on hand.

After applying, most customers get an outcome on their loan application on the same day during normal business hours once we have received all of the supporting information we require. We do not guarantee same-day outcomes for all customers.²

Once an applicant has been approved and they have signed a contract, we automatically attempt to release the money to the applicant's bank account. Most customers have a New Payments Platform (NPP) bank account and receive the money in their bank account within 60 seconds. For other customers, the money will be available overnight on weekdays and overnight the following business day if approved on a weekend or public holiday.³

We use the information you provide in the online application form as well as information on your bank statements to make sure that you qualify for a loan product during our credit assessment. If you don't qualify, your application will be declined without a credit check being conducted.

Once we have verified that you meet our non-credit report-related criteria, we do perform a credit check as part of our credit assessment, where an inquiry will be left on your credit file.

We will never perform a credit check without your express consent, which you provide to us when you apply for a loan with Jacaranda Finance. We store your acknowledgement and consent for seven years, and it can be supplied on demand.

There are four credit reporting bodies that we may use to conduct a credit check:

• Equifax
• Experian
• illion
• Talefin

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• Be at least 19 years of age.
• Be employed on a permanent or casual basis.
• Have a consistent income going into your own bank account for the last 90 days.
• Be in control of your finances and be handling existing financial commitments comfortably.
• Be an Australian citizen or permanent resident with a fixed address.
• Have an active email address, phone number, and online banking account in your name that belongs to you.

We accept a wider range of credit history than a bank or a prime lender, but we do not recommend submitting an application if:

• You are currently or recently bankrupt (you must be three years discharged and in control of your finances)
• You are not comfortably repaying your existing financial obligations