Mortgage Broker in Canberra

Expert Mortgage Broker in Canberra, ACT 2601 - AXTON Finance

Rated 5 from 479 Reviews

Your Trusted Mortgage Broker in Canberra, ACT 2601

When you're navigating the complex world of property finance in Australia's capital, partnering with an experienced Mortgage Broker in Canberra, ACT 2601 can make all the difference to your financial success. AXTON Finance understands that every client's financial situation is unique, whether you're a first home buyer taking your initial steps into the property market, an upgrader seeking a larger family home, or a down-sizer looking to reduce your mortgage commitments. Our comprehensive approach ensures you access some of the best interest rates available while receiving personalised guidance throughout your entire loan application journey.

As your dedicated Finance & Mortgage Broker, AXTON Finance provides access to loan options from banks and lenders across Australia, giving you the competitive advantage of choice rather than being limited to a single institution's products. Our deep understanding of the local property market in Canberra, combined with our expertise in areas such as lenders mortgage insurance (LMI), equity or cash deposit strategies, and using a guarantor when appropriate, positions us as the best Mortgage Broker to guide your property financing decisions. We work tirelessly to assess your borrowing capacity and match you with loan options that align perfectly with your long-term financial goals, whether you're buying a home, purchasing an investment property, or refinancing an existing loan.

The streamlined application process that AXTON Finance offers as your Mortgage Broker in Canberra, ACT 2601 takes the stress out of applying for a loan by handling the complex paperwork and negotiations on your behalf. We help clients get pre-approved quickly, providing clarity on their loan amount and potential interest rate before they begin property hunting. Our expertise extends to optimising your loan to value ratio (LVR), securing interest rate discounts where available, and providing guidance on additional costs such as stamp duty. Whether you're considering a variable interest rate loan for flexibility or a fixed interest rate loan for certainty, our team ensures you understand all options available.

AXTON Finance specialises in various loan types including home loans, investment loans, and refinancing solutions, with our Finance & Mortgage Brokers taking time to assess your Debt-to-Income Ratio and help you access Government Grants and Incentives where applicable. We provide comprehensive guidance on interest only loans versus principal and interest loans, ensuring first home buyers, upgraders, and down-sizers alike receive tailored advice suited to their specific circumstances. Our commitment extends beyond the initial application process, with ongoing support to help you maximise your home equity and adapt your financing as your needs evolve.

Choosing AXTON Finance as your Mortgage Broker in Canberra, ACT 2601 means gaining access to regular home loan health checks, ensuring you continue to potentially access better interest rates as market conditions change. Our professional approach combines extensive industry knowledge with genuine care for our clients' financial wellbeing, making us the trusted choice for Canberra residents seeking expert mortgage broking services. From initial consultation through to settlement and beyond, we remain your committed partners in achieving property ownership success while securing the most advantageous financing terms available in today's competitive market.

How much can you borrow to buy?

AXTON Finance - Best Mortgage Broker in Canberra

Common Questions About Mortgage Brokers in Canberra, ACT 2601

What services does a Mortgage Broker in Canberra, ACT 2601 provide?

A Mortgage Broker in Canberra, ACT 2601 like AXTON Finance provides comprehensive mortgage broking services including home loans, investment loans, refinancing solutions, and loan pre-approval services. We help clients access some of the best interest rates available through our relationships with banks and lenders across Australia. Our services extend to assessing your borrowing capacity, managing the loan application process, and providing ongoing support through regular home loan health checks. We also assist with understanding complex aspects like lenders mortgage insurance (LMI), loan to value ratios, and accessing Government Grants and Incentives. To understand exactly how our services can benefit your specific financial situation, we encourage you to book a Free Consultation with AXTON Finance.

How can a Finance & Mortgage Broker help me get better interest rates?

As an experienced Finance & Mortgage Broker, AXTON Finance has access to loan options from multiple banks and lenders across Australia, which means we can compare rates and negotiate interest rate discounts on your behalf. Unlike dealing directly with a single bank, our Mortgage Broker in Canberra, ACT 2601 services provide you with choice and competitive options. We understand how to present your financial situation in the best possible light to lenders and can guide you on improving factors that influence your interest rate, such as your loan to value ratio (LVR) and debt-to-income ratio. The specific rates available depend on various factors including your financial circumstances and current market conditions. For personalised rate comparisons, we recommend booking a Free Consultation with AXTON Finance.

What's the difference between fixed and variable interest rate loans?

Fixed interest rate loans maintain the same interest rate for a set period, providing certainty in your repayments, while variable interest rate loans can fluctuate with market conditions, offering potential savings when rates fall but risk of increases when rates rise. As your Mortgage Broker in Canberra, ACT 2601, AXTON Finance helps you understand which option suits your financial situation and risk tolerance. Many clients choose a combination of both through split loans. The best choice depends on factors like your budget flexibility, market outlook, and personal preferences. Our Finance & Mortgage Brokers provide detailed analysis of current market conditions and help you access competitive rates for both loan types. To determine which option aligns with your circumstances, book a Free Consultation with AXTON Finance.

Can a Mortgage Broker in Canberra help first home buyers access government incentives?

Yes, AXTON Finance as your Mortgage Broker in Canberra, ACT 2601 specialises in helping first home buyers navigate and access Government Grants and Incentives available in the ACT and nationally. These may include first home buyer grants, stamp duty concessions, and shared equity schemes, though eligibility criteria and available programs change regularly. We stay current with all available programs and can assess which incentives you may qualify for based on your financial situation and the property you're purchasing. Our expertise in the local property market and current legislation ensures you don't miss opportunities to reduce your costs or improve your borrowing capacity. For specific information about current incentives and your eligibility, book a Free Consultation with AXTON Finance.

How does the loan application process work with a Finance & Mortgage Broker?

The streamlined application process with AXTON Finance as your Finance & Mortgage Broker begins with assessing your financial situation and determining your borrowing capacity. We help you get pre-approved, giving you confidence in your loan amount before you start property hunting. Our Mortgage Broker in Canberra, ACT 2601 handles the complex paperwork, liaises with lenders on your behalf, and guides you through each step from initial application to settlement. We ensure you understand all aspects including any lenders mortgage insurance (LMI) requirements, whether you need a guarantor, and optimise your equity or cash deposit position. The timeline and specific requirements vary depending on your circumstances and chosen lender. For a detailed explanation of how the process works for your situation, book a Free Consultation with AXTON Finance.

What's involved in refinancing a loan through a Mortgage Broker in Canberra?

Refinancing through AXTON Finance as your Mortgage Broker in Canberra, ACT 2601 involves reviewing your current loan against available alternatives to potentially access a better interest rate or improved loan features. We conduct a comprehensive home loan health check, assess your current financial situation, and compare options from banks and lenders across Australia. The refinancing process may help you access your home equity, reduce repayments, or change loan structures from interest only to principal and interest or vice versa. We handle the application process, coordinate with your existing lender for discharge, and ensure a smooth transition to your new loan. Potential benefits and costs vary based on your specific circumstances and current loan terms. To explore your refinancing options, book a Free Consultation with AXTON Finance.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Best Mortgage Broker in Canberra

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Best Mortgage Broker in Canberra

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Best Mortgage Broker in Canberra

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 479 Reviews

Thoroughly professional from start to finish. Being new to the Australian house purchasing process, Nicole continually offered detailed guidance and made the whole process seamless. Highly recommend Axton Finance to others.

Mark Kaiser

a day ago

We used AXTON Finance to buy our new home. This involved refinancing 2 properties as well as arranging finance the for the new home. There were a lot of moving parts and AXTON Finance did it all, recommended loan strategies to minimise repayments and secured a better loan deal, 2% below what we were paying. For a non money person, I wouldn't have been able to do it on my own and they saved a ton of time, stress and running aeound in the process. Would recommend AXTON Finance and now they are assisting my mother with a downsizing loan strategy.

Ben Howie

3 days ago

Mortgage Broker ROCKSTAR! As a fist time user of the services of a mortgage broker, I found the guidance and the level of insight afforded by Melanie of the highest of quality and our engagements always exceed my expectations.

Mark Cocks

5 days ago

Very happy with the support Melanie gave us, she went up and above for us, we where a hard one as we had credit card debt, it it was a bit stressful, but Melanie did a wonderful job sorting our finances out.

Vicky Glendinning

This week

We recently purchased an investment property and couldn’t be happier with the support we received from Nicole Campbell at AXTON Finance. From the very beginning, Nicole went above and beyond to make the process smooth, stress-free, and transparent. We're so grateful to have found Nicole! Nicole took the time to understand our goals, explained every step clearly, and was always available to answer our million questions. What really stood out was Nicole's proactive communication and genuine care in ensuring we secured the best loan structure and rate for our circumstances. Throughout the whole process, it was clear that Nicole cared about our goals and protecting our interests. Thanks to Nicole, our finance was approved ahead of schedule, and settlement went through without a hitch. We highly recommend Nicole to anyone looking for a dedicated, knowledgeable, and truly client-focused mortgage broker.

Eda Gul

This week

I can’t recommend Joyce highly enough! From our very first conversation, she made the entire mortgage process simple and stress-free. She took the time to understand my situation, explained every option clearly, and went above and beyond to secure a fantastic rate. Communication was always prompt and professional — nothing was ever too much trouble. If you’re looking for a mortgage broker in Melbourne who genuinely cares about getting the best result for you, Joyce is the one to call.

Fraser Neale

This month

Amazing Mortgage Broker! I was very lucky to have Nicole Campbell on my side. Stayed true to her words and absolutely helpful! No question was ever stupid. Being a FHB I was unaware of certain processes and Nicole being very professional and experienced always assured me every step of the way. I had called a number of other mortgage brokers prior I settled with Nicole and definitely no regrets. Very hold your hand and walk you through the process which is hard to find now-days. Thank you again, Nicole!

Japheth B

This month

Highly recommended . Without sounding cliche, Adam did go above and beyond when refinancing our home loan. There was few bumps along the way, and he had clear communication with us the entire time and always returned calls and emails. I highly recommend Adam to anyone who is looking for a finance broker. Very reliable, thorough and easy to deal with.

Melissa M

This month

AXTON Finance - Best Mortgage Broker in Canberra

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

Get in Touch