A mortgage broker for Canberra borrowers, on a national lender panel.
A mortgage broker covering home loans, refinancing, investment and SMSF lending for Canberra and the ACT. Familiarity with APS pay scales, salary packaging and defined-benefit super. Delivered virtually.
How the service works for Canberra clients.
Every meeting is by video or phone. Document collection is by secure upload. Loan and supporting documents are e-signed. Submission to the lender is electronic. Physical proximity does not change processing time on any major Australian lender.
A typical Canberra file runs across three contact points. An introductory call to map income and target. A working session to compare lender options. A submission walkthrough and updates by email until settlement.
Hours run 8am to 7pm AEST. We keep slots open outside the standard 9-to-5 for APS clients who can only talk after work and for self-employed Canberra contractors with irregular weekday availability.
No Canberra office. The lender panel is national.
The practice operates from Docklands, Melbourne. There is no broker shopfront in Civic, Barton or Braddon. Canberra engagements run by video and phone, the way they have for years.
Lender access does not depend on broker postcode. The panel is national. ACT owner-occupier and investment files are submitted, priced and assessed on the same lender policies as a Melbourne file. APS income and continuing-employment characteristics are well-recognised by mainstream lenders.
- Same 50+ lender panel.
- Same broker, the whole way through.
- No upfront fee for residential lending.
- Same Credit Guide before any submission.
Loans we arrange for Canberra borrowers.
Owner-occupied home loans
Variable, fixed, split, offset. ACT owner-occupier files cover inner-north, inner-south and the suburban districts. APS continuing-employment income is well-understood at every major lender.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. ACT mortgages older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme alongside ACT state assistance. Common in Gungahlin, Molonglo Valley and the outer Belconnen districts.
Investment property loans
Interest-only, P&I, portfolio structuring. ACT clients often buy interstate in Brisbane, Melbourne and the NSW South Coast on the same panel.
Commercial property loans
Owner-occupier commercial and investment commercial. ACT self-employed clients and consultancies with stable revenue are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. ACT trustees treated identically to Melbourne files.
Construction and bridging
Progress draws, end debt, short-term bridging. Useful for ACT knockdown-rebuild work in the established inner-north and inner-south.
Car and personal loans
Through the same panel where it makes sense. Novated-lease alternatives are worth a side-by-side comparison.
The 50+ lender panel for Canberra borrowers.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, LVR and loan purpose, not on the broker's home state.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
Loan profile we see most often.
Canberra loan sizes typically sit between Adelaide and Sydney. Practice-wide average ticket sizes land between $500,000 and $800,000, with inner-north and inner-south owner-occupier files often above that and suburban first-home buyer files below.
Investment lending is the second-largest cohort. Many ACT clients buy interstate in Brisbane, Melbourne and the NSW South Coast. The coordination on that work runs the same way regardless of asset location.
Refinancing volume is meaningful. Canberra mortgages held for more than two years are very often above market, both because rates have moved and because retention pricing inside the major banks rewards the inattentive borrower in the opposite direction.
SMSF and broker fees explained.
End-to-end for ACT trustees.
30+ SMSF loan clients across the practice. Canberra trustees access end-to-end SMSF lending and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
No upfront fee on residential.
Broker commission is paid by the lender on settlement. The arrangement is disclosed in the Credit Guide before any application is submitted. Commercial and SMSF can carry advice fees, agreed in writing before work starts.
What Canberra borrowers usually ask first.
Continue reading
- All broking servicesFull pillar page. Every product, full scope, every state.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, LVR positioning, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for ACT trustees.
- Canberra financial plannerVirtual financial planning across the ACT.
- Canberra buyer's agentInner-north, inner-south, suburban districts.
Start with a free first call.
A first conversation. Income, deposit, target property if you have one. The same call Canberra clients have had with us for years.