Mortgage brokers are finance advocates.

We help you find the deal that best suits your needs and circumstances and then take care of the application process for you, liaising with the “banks” and your solicitor from start to finish on your behalf.

We are able to offer our clients a wide range of choice across a large number of financial institutions. Your choice may not always be based on price alone, but will also consider the requirements of our lenders to ensure a successful outcome for our clients.

We start by learning about your financial goals and future plans; we assess your needs and create a tailored package to suit your short and long term financial and lifestyle objectives. Once you are happy with the package we help you to complete the banks application. We handle every step from submission to approval and follow it through to settlement.

We offer an ongoing support and an alternative to the Banks call centres when our clients need advice following settlement.

Lenders find mortgage brokers are a cost effective means for them to obtain new business. Like online companies, banks don’t have to pay for our bricks and mortar; they only pay have to pay us for successful new business.

There are many advantages to using a mortgage broker.

We are able to offer you more choice in your finance options. You also have the benefit of dealing with staff who have many years of experience in the industry. We have the knowledge to evaluate your needs, make comparisons and negotiate better terms and conditions for you.

We will also liaise with all parties from the time of submission through to approval and settlement.

If you want to buy, it makes sense to find out how much you can borrow.

If you apply for a loan and get "pre-approval", you'll know how much you can afford, you'll strengthen your position as a buyer and you’ll have the lender's backing to purchase a property.

By securing a “Pre-Approval” you remove some of the stress of buying a property by streamlining the process after you have located a property.

First home buyers may be eligible to receive a grant toward the purchase of their property. This scheme will be administered by the States and Territories and the terms and conditions of this may vary from state to state and year to year.

The scheme covers only the purchase of your first home in Australia.

You will be eligible to apply if you: are buying or building your first home, are an Australian citizen or permanent resident, intend to make the home your principal residence and start living in the home within a specified time.

Home Loans Canberra will assist in making your application for the First Home Owners Grant.

The Comparison Rate is calculated in accordance with a standard formula, which takes into account the interest rate plus fees and charges such as upfront and ongoing fees. It does not include:

• government charges (eg stamp duty or mortgage registration fees) as these charges will be the same regardless of which financier or loan product the customer chooses;
• fees and charges which cannot be ascertained at the time that the Comparison Rate is calculated; and
• fees and charges which may or may not be charged, because they depend on some event which may or may not occur
  (for example, fees for early termination or redraws).