About Mortgage Broker Canberra
We compare lenders for you, prepare and lodge your application, and manage it through to settlement across the ACT and the NSW towns that sit inside the same market. It costs you nothing, because the lender that writes your loan pays us. This page sets out how that works, the rules we are held to, and what we are not allowed to advise you on.
What We Actually Do For You In Canberra
We sit between you and the lenders. We compare what several of them would offer against your income, your deposit and the property you want, then prepare your application, lodge it, and manage it through valuation and approval to settlement.
Most of what you get from us happens before anything is lodged. Lenders differ enormously in how they read contract income, allowances, rental income, credit card limits and unusual security, so the same Canberra file can be a comfortable approval at one and a decline at another. A decline leaves a mark on your credit file that the next lender can see. That is why we get the fit right for you before chasing the last few points off a rate.
Three things come up here that rarely come up elsewhere, and we check all three on your file: the leasehold title on every ACT block, the weight of Commonwealth and Defence employment in how your income reads to a lender, and a territory duty concession that changes on 1 July 2026 and may be worth timing around. Each has a page on this site explaining what it does to your application.
What This Costs You
Nothing, in the ordinary case. The lender that ultimately writes your loan pays us an upfront commission and an ongoing trail commission, and we tell you in writing what we are paid before you proceed. If a fee were ever payable by you, you would hear the amount from us the same way and in advance. You will never receive an invoice you did not agree to first.
That arrangement raises an obvious question about whose side we are on, and the law answers it. Since 1 January 2021 the Best Interests Duty in ASIC Regulatory Guide 273 has required us to act in your interests and to put them ahead of our own where the two conflict. ASIC's guidance is explicit that where cost and convenience pull in different directions, cost takes priority. If the cheaper lender is the more awkward one to deal with, that is the one we take you to.
The Rules We Are Held To On Your File
- The credential we have to hold
- Nobody can give you credit assistance in Australia without an Australian Credit Licence, or authorisation as a credit representative of a licensee, under the National Consumer Credit Protection Act 2009. Ours is published in the footer once it is issued, so you can check it before you tell us anything about yourself.
- Why we cannot simply pick the lender that pays us most
- ASIC RG 273, in force 1 January 2021. Your interests come first, and where they conflict with ours, yours prevail. Hold us to that when we recommend one lender over another.
- Why we ask you for so many documents
- A lender must make reasonable enquiries into your position and verify what you tell it. That is why we send you a long document list. Understating your living expenses will not help you either, because the lender applies a benchmark floor to whatever you declare.
- Why you will not find a rate on this site
- ASIC Regulatory Guide 234 requires a comparison rate wherever anyone advertises an interest rate. We advertise none, which is why you see no comparison rate here. You get real numbers from us once we know your position, rather than a headline figure you may not qualify for.
- The rate a lender tests you at, not the one you pay
- 3 percentage points (APRA, held 23 July 2025; raised from 2.5 points in October 2021). The lender assesses you at that higher figure rather than the rate you would actually pay, so we work out your borrowing capacity on the buffered number before you start looking.
What You Will Have To Ask Someone Else
We arrange credit. That is a narrower job than it looks from the outside, and the boundaries matter to you because they tell you who to ask for the rest.
Whether a self-managed super fund suits you, whether property belongs inside it and whether to negatively gear are financial advice. Take those to a licensed financial adviser. Deductibility, land tax and capital gains are tax questions for your accountant. Contracts, titles, guarantees and lease terms are legal questions for your conveyancer or solicitor. We will not answer those for you, because answering them would put us outside our authorisation, but we will tell you which of them your file needs settled and arrange the lending around the answer once you have it.
Everything on this site is general information. It does not take your objectives, financial situation or needs into account, and we will not make you a recommendation until we have actually looked at your position.
Where We Can Help You Buy Around Canberra
We cover the whole of the ACT, plus the NSW towns that function as part of the same market. Buy just across the border and you are in a different state, with its own duty scale and its own land tax threshold, so the same purchase price can cost you thousands more or less depending on which side you sign on. We price both sides for you before you decide rather than after.
How To Complain About Us
Call us first. Most of what goes wrong is a document, a timeline or a misunderstanding, and we can fix it faster on the phone than you can through a form.
If we do not resolve it, you can take it over our heads. Every Australian credit licensee and credit representative must belong to the Australian Financial Complaints Authority, which gives you free and independent external dispute resolution. We publish our membership number in the footer once it is issued, so you can check it before you deal with us.
Get An Honest Read On Your Position
Your income, your deposit and the Canberra property you are looking at are enough for us to work out what you can realistically borrow, which two or three lenders suit your position, and what proceeding will cost you. If the plan does not work, we will tell you that instead of walking you into a declined application. The first conversation costs you nothing, commits you to nothing and puts no mark on your credit file. Buyers, owners and investors right across Canberra and the border towns are welcome to call.
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