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The Best Mortgage Brokers in Canberra 

By Emily Morris - 18 August 2017 14

Mortgage Brokers CanberraThis has been updated for August 2017

Buying your first home? Looking to invest? Wanting to refinance your home loan?

Mortgage brokers can help you secure a home loan that will not only benefit your current financial situation, but also add to your long-term wealth-building strategy.

That being said, not all mortgage brokers have the necessary skills, passion, or knowledge to make the home loan or refinancing process quick and painless.

We’ve read through your comments and critiques, and consulted local knowledge to put together this list of the top 3 mortgage brokers in Canberra. Check it out below, and if you don’t agree with our list, share your experience in the comments.

What to Look for in a Reliable Mortgage Broker

Some mortgage brokers can secure you a money-saving loan, and others can’t.

So, what makes a fantastic mortgage broker stand out from the crowd? Here are five traits you should look for in a reliable mortgage broker:

  • Years of experience. The more experience a mortgage broker has, the more equipped they will be at finding the perfect loan solution for your needs.
  • Trustworthiness. When dealing with a mortgage broker, you want to be confident they have your best interest at heart. They work for you – not for the lenders.
  • Up-front. There’s no point working with a mortgage broker that promises the world and under delivers. The best mortgage brokers are up-front about what is and is not possible.
  • Knowledgeable. There is so much to consider when seeking out a home loan: rules and regulations, lenders and their products, the myriad of personal and financial circumstances that affect eligibility… the list goes on. And on top of that, the market is constantly changing. Your mortgage broker must know the industry back to front.
  • Understanding. The best mortgage brokers work hard to understand the complexity of your unique financial situation, and your long-term goals and aspirations.

The Top 3 Canberra Mortgage Brokers According to You

You’ve shared with us your real-life experiences with a number of mortgage brokers in Canberra. We’ve read it all, and come up with this list of the top 3 Canberra mortgage brokers.

Hopefully this list will clarify any doubts or reservations you’ve been having. Let’s get right into it.

Clarity Home Loans

If there’s one mortgage broker in Canberra that can help you navigate the complexities of finding and applying for a home loan, it’s Clarity Home Loans. Their experience, commitment, and extensive knowledge sets them apart from competitors.

One of the key benefits of working with Clarity Home Loans is their transparency. Their mortgage brokers are paid the same amount no matter which lender their client opts for. That means you can be 100% confident that your needs, wants, and goals are the top priority.

Clarity Home Loans maintains contact with both you and the lenders until the loan has settled… but it doesn’t end there. The friendly team works to build a long-term partnership with each and every client, to ensure all facets on the home-buying or investment process run smoothly.

With years of experience, unbeatable customer services, and a large choice of lenders, Clarity Home Loans is a safe choice.

Smartline Personal Mortgage Advisors

Purchasing a new home or investment property is exciting, but finding the perfect loan and doing the mountains of paperwork is not. Skip the headache – the personal mortgage advisors at Smartline do everything for you.

Smartline is a network of mortgage brokers and advisors around Australia, with an office in Canberra. Their team works with clients buying their first home, a new home, refinancing their current loan, or expanding their investment portfolio.

Smartline promises to work for you, not for the lenders. Their brokers listen to your needs and wants, and provide expert advice so you can make informed decisions with confidence.

Don’t take our word for it – check out their 20,000 plus positive online reviews. One of our commenters, alexlee, agreed with all their positive feedback, writing the team at Smartline are “fast and responsive. Very patient at explaining, and structured my residential + investment loan very well.”

Trilogy Funding

Looking to purchase an investment property? Trilogy Funding mortgage brokers in Canberra work solely with clients planning to expand their investment portfolios to increase their wealth now and in the future.

The team at Trilogy Funding are genuinely independent, meaning they always secure the right loan with a structure that benefits the client, not the lender. Shared passion and ambition for success drives them to always do right by the client, even if that means working a little bit harder.

Two of our commenters had fantastic experiences working with Trilogy Funding in Canberra. 74Daizies wrote, “We’ve bought three houses and used Ken at Trilogy. We followed him from his last broker… best guy ever.” And Feng commented, “Go with Trilogy… I just used them for my first investment property and they are a fantastic team.”

Which Mortgage Broker will You Pick?

Have you had experience with an excellent mortgage broker in Canberra? Let us know in the comments below.

What’s Your opinion?


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14 Responses to
The Best Mortgage Brokers in Canberra 
Peter Smith 7:41 am 03 Sep 17

I used Shannon from Clarity Home Loans to refinance and restructure my loan and was very happy with the service I received.

Dru01 4:09 pm 25 Jul 17

I definitely recommend Erich Gruener of Mortgage Choice. As a first home buyer, he patiently answers our questions and explain things in simple english. He goes the extra mile and gave us advice even if it is outside normal office hours. We finally moved in to our first home this month 🙂 thanks to Erich

alexlee 3:42 pm 19 Oct 14

Jun at Smartline has been excellent, fast and responsive. Very patient at explaining, and structured my residential + investment loan very well.

http://www.smartline.com.au/consultantpages/jxu/home.html

Bosworth 12:49 pm 16 Jun 14

Steve Wakeling at Aussie

+1

74Daizies 11:29 am 16 Jun 14

We’ve bought three houses and used Ken at Trilogy. We followed him from his last broker. .. best guy ever.

Feng 7:29 pm 29 May 14

Nooooooooooo. Go with Trilogy or at least pay them a visit.. I just used them for my first investment property and they are a fantastic team. Tiffen and Co just aren’t as polished when I spoke to them and weren’t as switched on as Trilogy.

If you are first home buyer, I don’t think it matters as much. But if you are investing, Trilogy is the place.

Ask for David Thomas, he is the MD and takes new client. Very bright.

mandapanda 5:10 pm 29 May 14

Thanks everyone for your help, I’ve decided to go with tiffen&co so have an appointment next week!

allyroger 4:27 pm 29 May 14

+1 for Tiffen and Co – outstanding service and product knowledge from David Gawthrop 6260 7880

AmarooStu 12:45 pm 29 May 14

Sam Ayliffe, Director, Astute Finance. Well established business in Sydney and are now operating in Canberra. They are Brokers/Financial Planners and now have Real Estate and Property Mgmt in their portfolio. Sam is on 0414 976 865

farout 12:28 pm 29 May 14

I’ve had good service from Steve Wakeling at Aussie. It was a complex case – bridging finance, one property on the market, another about to commence renovations, and all in pushing the 80% LVR. Steve came back with a few options, organised valuations relatively quickly, etc.
By comparison, two other mortgage brokers I spoke to at the same time didn’t call back after hearing the details – presumable because it was too complex to deal with.

mmillercfp 12:00 pm 29 May 14

mmillercfp said :

…knows his mortgages and his always reliable.

Whoops, should read “is always reliable” not “his.”

DeadlySchnauzer 11:58 am 29 May 14

Avoid any mortgage broker that doesn’t charge an upfront fee. It means they work on commission with their providers and have an inherent conflict of interest between the best result for you versus the best commission for them.

Also the whole system is much more transparent these days, so you can just shop around online and find the best deal yourself. Mortgage brokers no longer hold any special sway with providers, and are unlikely to be able to get anything better than what you can find online.

The only reason I would use a mortgage broker is
a) You aren’t confident about what your borrowing limit is
b) Your are worried about finance being knocked back

mmillercfp 11:54 am 29 May 14

Pete Williams at Tiffen & Co has done my own personal mortgages and I also recommend him to look after clients. He’s a great guy, knows his mortgages and his always reliable.

Give him a call on his mobile 0412 332 736.

theword 11:33 am 29 May 14

I’ve used Eric Gruener from Mortgage Choice a couple of times and he was very good. http://www.mortgagechoice.com.au/john.osborne/team. Eric does also contact me regularly which I like.

My sister used Michael O’Reilly – can’t recall where he is from.

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