Australia-wide
Cinch Loans is a Melbourne-based mortgage broker with clients in Canberra and across ACT. Appointments are by video or phone, documents are signed electronically, and the lender panel is the same 90-plus lenders we use at home, with ACT policy and schemes applied properly.
Video and phone appointments, Australia-wide
Three things worth knowing before you borrow in Canberra.
2600
Postcode
$1m
First Home Guarantee price cap, Canberra
90+
Lenders on our panel, every state and territory
Canberra is a stable, high-income market with leasehold land, strong public-sector employment and a large stock of townhouses and apartments alongside established suburbs. Queanbeyan, across the border, follows NSW rules.
Australian Public Service and defence clients, investors in apartments, and families upgrading are the usual Canberra clients. APS and defence pay has allowances and conditions that some lenders ignore and others count in full. We know which, and we structure around the ACT leasehold and the Home Buyer Concession Scheme where it applies.
Most Canberra clients never meet us in person, and it makes no difference to the outcome. The first conversation is thirty minutes on video or phone: where you are, what you have, what you want to do. You get a written lending plan with the real borrowing figure, the structure and the costs line by line. Documents are uploaded through a secure portal, identity is verified electronically, and we lodge with the lender the same way a local broker would. The team chases every step from valuation to settlement and you hear about progress before you ask.
The ACT's Home Buyer Concession Scheme removes duty for eligible buyers under an income threshold, with no requirement to be a first home buyer. The federal First Home Guarantee price cap for Canberra is $1 million. Land in the ACT is leasehold, which lenders treat exactly like freehold for a standard 99-year Crown lease.
Canberra's public-sector income profile suits most lenders well, and defence and APS allowances are counted differently from bank to bank. We know which ones count what.
None of this is personal credit advice. Your situation is assessed before any recommendation, the lender is chosen on the written comparison, and the commission we are paid by the lender is disclosed in your Credit Guide before you decide anything.
Where you are, what you have saved, what you want to buy or refinance. You leave with a borrowing figure, the schemes you qualify for, and a plan in writing. No credit check, no obligation.
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Straight answers. If yours isn't here, ask cinchi (bottom right) or book a chat.
Can a Melbourne broker arrange a loan in Canberra?
Yes. Lending is national, the lenders are the same, and ACT schemes and stamp duty are applied correctly because we place loans in ACT regularly. Appointments are by video or phone and documents are signed electronically.
Do you handle the ACT first home buyer schemes?
Yes. The ACT's Home Buyer Concession Scheme removes duty for eligible buyers under an income threshold, with no requirement to be a first home buyer. We check your eligibility for the state scheme and the federal First Home Guarantee ($1m cap here) before you start looking.
How is the valuation done if you are not local?
Valuations are ordered by the lender from its own panel, exactly as they would be for a local broker. We pick lenders with a valuation panel in your area and realistic turnaround times.
What does it cost?
Nothing. We are paid a commission by the lender you choose, disclosed in writing before you decide, and the recommendation does not change with it.
Same team, same process, wherever you are. All locations
Local knowledge. Lending Australia-wide. A cinch.
Canberra
ACT
2600
-35.2820
149.1290
mint
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Mortgage Broker Canberra | Cinch Loans
Mortgage broker with clients in Canberra and across ACT. First home, refinance, investment and SMSF loans across 90+ lenders, by video. Free 30-minute chat.