This 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.
1. 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.
Hopefully this list will clarify any doubts or reservations you’ve been having. Let’s get right into it.
2. Bendigo Bank
Join over 1.5 million customers in more than 500 communities around Australia, and work with the trusted Bendigo Bank to secure your home loan. With a number of flexible products available, you are sure to find a loan that suits your unique circumstances.
Why opt for Bendigo Bank when securing a home loan? First and foremost, Bendigo Bank has the most satisfied customers of any Australian bank. If that isn’t proof enough, consider their extremely competitive interest rates, rewarding package loans, and their standing as a top 60 ASX listed company.
To help you navigate the home loan process, the Bendigo Bank website is equipped with a number of handy tools and calculators. These will give you a feel for their products and an idea of their highly competitive prices.
If you require more help, or would like some additional support, do not hesitate to get in contact. Bendigo Bank is proudly run by a group of passionate, dynamic, professional bankers. Their Canberra team always puts their clients’ needs first, meaning you can rest easy knowing your home loan is in safe hands.
Whatever you need, their team of specialists are ready and willing to go the extra mile and do all the hard work for you. That’s their guarantee.
3. 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.”
4. 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.