When it comes to securing a mortgage in Canberra, having the right broker by your side can make all the difference. With so many options available, it can be challenging to find the right match for your needs.
That’s why we’ve compiled a list of the top 10 mortgage brokers in Canberra, plus a few other factors to think about.
Who are the best mortgage brokers in Canberra?
The best Canberra mortgage brokers will be the ones who get to know your financial situation and goals. From here, a good broker should be able to give advice on what products are most suitable to your needs. Many of the best mortgage brokers in Canberra will also have awards for excellence in their field(s) as well as a high number of positive reviews from previous clients.
Here are 10 top mortgage brokers in Canberra:
1. Clarity Home Loans
With a team of brokers who get paid a salary as opposed to working by commission, Clarity Home Loans offers Canberrans a personalised approach to broking. According to its website, Clarity Home Loans has more than 80 years of combined industry experience and provides access to over 2,500 home loan products via 40+ lenders.
Clarity Home Loans won Regional Group of the Year (NSW/ACT) at the 2022 AFG Broker Awards. Additionally, Clarity Home Loans has over 900 5-star reviews on Google.
Phone: (02) 6209 1990
Address: Suite 3.03, Level 3, 33 Allara Street, Canberra City, ACT 2601
Website: https://www.clarityfinancial.com.au/
2. Loan Market Canberra
Loan Market Canberra states it’s dedicated to making the home loan process stress free for clients thanks to its helpful team of skilled brokers. Franchise owner, Nitish Kumar, and the Loan Market Canberra team have access to over 60 lenders, including the big four banks.
In 2024, Loan Market Canberra was awarded Best Customer Service (Office) in NSW/ACT at the Better Business Awards. Loan Market Canberra also has a 5-star rating on Google based on 344 reviews.
Phone: (02) 6173 6399
Email: Submit an online enquiry via their website
Address: 32 Cohen Street, Belconnen, ACT 2617
3. MO'R Mortgage Options
Whether you’re buying your next home, refinancing or purchasing your first property, MO’R Mortgage Options caters to a range of borrower types. MO’R Mortgage Options or “MMO” is a family team of brokers, run by brothers Brendan and Daniel O’Reilly and sister Kathryn De Luca.
MO’R Mortgage Options has almost 200 5-star reviews on Google and has been in operation since July, 2000. The team at MO’R Mortgage Options are highly accredited, with multiple brokers recognised as “Platinum Achievers” by their aggregator, meaning they’re in the aggregator’s top 5% performing brokers nationwide.
Phone: (02) 6286 6501
Email: info@mmo.com.au
Address: Level 2, 19 Barry Drive, Turner, ACT 2612
Website: https://mmo.com.au/
4. Casa Mortgage Services
Casa Mortgage Services says it will streamline the entire buying process for clients, whether they’re buying their first home, renovating, refinancing or investing. Offering a wide range of products, Casa Mortgage Services claims to use “their knowledge of the market to better negotiate with lenders”.
On Google, Casa Mortgage Services has a 5-star rating from 198 reviews. The brokerage claims it will “take care of the paperwork, manage the application process and take it through to approvals and settlement”.
Phone: (02) 6162 2580
Email: Submit an online enquiry via their website
Address: PO Box 813, Gungahlin, ACT 2913
5. More Than Mortgages
More Than Mortgages offers a handful of financial and loan products designed to help a variety of borrowers with their next home purchase. Whether it’s investing, consolidating debt or up/down-sizing a home, the team at More Than Mortgages can assist borrowers every step of the way.
More Than Mortgages’ Founder and Principal Mortgage Broker, Deanna Ezzy, has been named a Top 100 Broker, and the wider team brings decades of finance experience. More Than Mortgages has a 5-star rating on Google based on 125 reviews.
Phone: (02) 6188 4555
Address: 4/6 Phipps Close, Deakin, ACT 2600
6. Trilogy Funding
With 18 years’ experience in the finance industry, Trilogy Funding has clients across Australia and its national office is based in Canberra. According to its website, Trilogy Funding “specialises in helping property investors arrange the right loans with the right structure for long-term property investment success”.
Founded in 2009, Trilogy Funding has helped over 3,500 Canberrans to grow their wealth, whether it’s first home buyers, investors or business owners. Trilogy Funding was named Top 25 Brokerage in 2020-21 by The Adviser and has a 4.9-star rating on Google from 208 reviews.
Phone: 1300 657 132
Address: Equinox, Building 1, Level 1, 70 Kent Street, Deakin, ACT 2600
Website: https://www.trilogyfunding.com.au/
7. Mortgage Choice Manuka - Matthew Hayes
Matthew Hayes and his team at Mortgage Choice Manuka pride themselves on educating and building relationships with clients, whether you’re a first home buyer, purchasing your next home or investing. Mortgage Choice Manuka has a wide range of lenders to choose from and can search through hundreds of products to find a deal tailored to your situation.
The brokerage franchise is part of the REA Group, which includes realestate.com.au and the Australia-wide Mortgage Choice. Matthew Hayes was nominated as Best Regional Broker in 2024 at The Adviser’s Better Business Awards and Mortgage Choice Manuka has over 80 5-star reviews on Google.
Phone: (02) 6239 4215
Email: Submit an online enquiry via their website
Address: 25 Murray Crescent, Manuka, ACT 2603
8. Goodwin Home Loans
Goodwin Home Loans is a “customer-centric, family run mortgage brokerage that loves helping people with their property goals”, according to their website. Offering services for a variety of borrower types, Goodwin Home Loans claims to make the complex buying process simple.
On Google, Goodwin Home Loans has a 5-star rating based on 73 reviews. With decades of experience in the financial industry, Goodwin Home Loans claims its team has “access to the best products, packages and turnaround times from lenders”.
Phone: 0402 297 789
Email: matt@goodwinhomeloans.com.au
Address: Suite 1, 33 Ainslie Place, Canberra City, ACT 2601
Website: https://www.goodwinhomeloans.com.au/
9. Dominion Finance
For 15 years, Dominion Finance has helped thousands of Australians find a suitable mortgage - from standard home loans to low doc loans and everything in between. They have access to a variety of products from 25 lenders, including the major banks.
Dominion Finance was nominated as a finalist in 2017 for Broker of the Year (NSW/ACT) and Brokerage of the Year (National) at the eChoice awards. On Google, Dominion Finance has a 5-star rating from 77 reviews.
Phone: (02) 6162 2740
Address: Suite 5, Level 1, 221 London Circuit, Canberra, ACT 2601
Website: https://www.dominionfinance.com.au/
10. Dream Catchers Lending
Susan Tan is the owner of Dream Catchers Lending who has over 20 years of experience in banking and brokering. On its website, Dream Catchers Lending states that, “no matter what stage of the homeownership journey you are at, Dream Catchers Lending can help you navigate complicated processes and simplify terms and conditions to get the best outcome for you”.
Susan Tan has achieved a 5-star rating on Broker Pages from 67 client reviews, while Dream Catchers Lending has more than 70 5-star reviews on Google.
Phone: 0413 868 333
Address: 14 Wormald Street, Symonston, ACT 2609
How to find the best Canberra mortgage brokers
Searching for a good mortgage broker can seem a little daunting, but there are ways to narrow down your search.
Here’s what you should look for:
Positive reviews: Look for client testimonials, particularly from previous customers who were in a similar position to you (i.e. a first home buyer).
Experience: How long have they been a broker for or have they been in the finance industry prior to becoming a broker?
Recommendations: Ask your family, friends and colleagues if they’ve recently gone through a broker to buy property in Canberra. If so, would they recommend their services?
Transparency: Choose a mortgage broker who is transparent about how they get paid as well as how familiar they are with the Canberra property market.
Your mortgage broker should have a good understanding of the Canberra property market
In February 2024, Canberra’s median house price exceeded $1 million, making it pricier than Brisbane, Adelaide and Perth, according to Domain. Units in Canberra were also in high demand, with a median price of $625,597 - a 10.2% increase year-on-year. In a tough market, a mortgage broker who can secure financing for clients quickly could be invaluable.
It’s important that your broker knows the ACT property rules, like stamp duty concessions, which could impact your borrowing capacity. They should be across the government incentives available for first home buyers.
Choosing a Canberra-based broker may even give you access to non-advertised deals through local lenders.
Key questions to ask mortgage brokers in Canberra
Here are some important questions to ask your Canberra mortgage broker:
What types of loans do you specialise in? Having a broker who has a track record of helping clients in a similar position to you (i.e. an investor) is crucial.
Can you explain the different types of mortgages? Understanding your options ensures you choose the right fit for your needs (e.g. principal and interest or interest only).
What government incentives or programs apply to me? Learning this can save you money during the homebuying process (i.e. Home Buyer Concession Scheme).
How many lenders do you have access to and how do you recommend products? Most brokers will have a selection of preferred lenders they deal with. Some brokers will base their recommendations primarily on the rate, but borrowers may have other priorities. For example, first home buyers may only be after loans with a low interest rate and offset accounts, while investors might be after lenders that offer loans with interest-only repayments.
How do you get paid? Brokers usually earn a commission that’s paid by the lender once the loan has been approved. However, some brokers may charge an upfront fee, particularly if the borrower has a complicated situation (i.e. a person who’s self-employed with average credit).
Disclaimer: The list of mortgage brokers presented on this page is based on research our experts could find at the time of writing. We are not making a recommendation about any particular brokers. Please use this information as a guide only, and do your own research before engaging with a mortgage broker.