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 it works if you’re in Canberra.
Every meeting happens over video or the phone. You upload your documents securely, sign everything online, and we lodge it to the lender electronically. Being in the same room has never once made a lender go faster.
A typical Canberra job takes three conversations. A first call to work out what you earn and what you are after. A working session to go through the lender options. Then a walk-through of what we are lodging, and email updates until it settles.
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.
Which lenders we can reach has nothing to do with our postcode. The panel is national. A ACT home loan or investment loan is lodged, priced and assessed under exactly the same lender rules as one from down the road in Melbourne. APS income and continuing-employment characteristics are well-recognised by mainstream lenders.
- The same 50+ lenders.
- The same broker the whole way through.
- Nothing to pay us on a normal home loan.
- The same Credit Guide before anything is lodged.
Loans we arrange in Canberra.
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 or paying it down, and how to line up more than one loan. 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 lenders we compare.
More than 50 lenders through Outsource Financial. The six below are the ones we use most. Lending inside super goes to a smaller, more careful group of specialists. Which lender suits you depends on your finances, how much you’re borrowing against the place, and what it’s for — not on where your broker lives.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The loans 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 next biggest group. 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.
Borrowing inside super, and what we get paid.
Both halves, for ACT trustees.
30+ SMSF loans written. Canberra trustees access the whole SMSF loan, start to finish and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
Nothing to pay on a home loan.
The lender pays us when the loan settles. It is all set out in the Credit Guide before we lodge anything. Commercial and SMSF work can carry a fee, and if it does we agree it with you in writing before we start.
What people in Canberra ask first.
Keep reading
- All broking servicesThe main page — every kind of loan, all of Australia.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, how much to borrow, 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.
Just a conversation. What you earn, what you have saved, and the place you have got your eye on if there is one. The same call Canberra clients have been having with us for years.