Conveyance duty
ACT duty and the Home Buyer Concession Scheme depend on current eligibility and residence obligations. Verify the rules for the transaction date.
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Online mortgage broker · Canberra and ACT
Home-loan guidance for Canberra and the ACT
Find A Better Rate works with eligible Canberra and ACT borrowers by phone and video, comparing home-loan options for buying, refinancing and residential investment.
Phone and video appointments across Australia
The short answer
Can an online broker arrange an ACT home loan?
Yes. The lending process can generally be completed remotely. ACT conveyance duty, leasehold title, property type and any buyer concession should still be included in the transaction and cash-flow assessment.
A complete lending review
Combine lending policy with ACT buying costs
Canberra borrowers may have stable employment yet still need careful treatment of allowances, contract terms, apartment security and the full cost of purchase.
- Phone and video service for Canberra and ACT borrowers
- Assessment of public-sector, professional, contractor and business income
- Owner-occupied, refinance and investment-loan comparisons
- ACT duty and buyer-concession assumptions checked against current rules
Leasehold title
ACT residential property is generally leasehold. Your solicitor or conveyancer should explain title and contract obligations.
Apartment policy
High-density, small-floor-area or mixed-use developments can have lender-specific valuation and security requirements.
Employment income
Allowances, fixed-term contracts, probation and recent role changes can be treated differently across lenders.
Online, but personal
How an interstate mortgage appointment works
Meet by phone or video to discuss your goals, income, commitments, deposit or equity and preferred timing.
Compare suitable lender policies, repayments, fees and loan features, then prepare the evidence required.
Complete the application electronically and stay informed through approval, valuation and settlement.
Common questions
Straight answers for Canberra and ACT borrowers
Can you help public servants and contractors in Canberra?
Potentially. The lender assessment will depend on employment type, contract term, income history, allowances, probation and the rest of the application.
How does the ACT Home Buyer Concession Scheme work?
The ACT scheme may reduce or remove conveyance duty for eligible buyers. Prior ownership and residence requirements apply, and rules should be checked for the transaction date.
Can you help finance a Canberra apartment?
Yes, subject to lender policy. Floor area, development density, mixed use, title, valuation and market concentration may be relevant.
Can the application be completed online?
Most meetings, document collection and application steps can generally be completed remotely, with local legal representatives handling conveyancing.
Reviewed 14 September 2026 by Chris Berry. Find A Better Rate is based in Melbourne and provides phone and video mortgage-broking services to eligible borrowers across Australia. General information only. State and territory duties, grants, concessions, lender policy, rates and eligibility can change. Loan approval is not guaranteed; obtain legal and tax advice where appropriate.
Official information: Moneysmart mortgage broker guidance · ACT Home Buyer Concession Scheme
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