Mortgage Broker Canberra | Home Loans ACT | Esteb and Co
🏆 5-Star Rated Mortgage Brokers

Mortgage Broker
Canberra & ACT

Compare 83 lenders to find the best home loan for Canberra properties. Free service, expert advice, pre-approval in 24 hours.

Get Pre-Approval Call 0424 406 977

Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

$770K
Median Canberra property
83 Lenders
Compared for best rates
$0 Cost
We're paid by lenders

Canberra Property Market Overview

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$770K
Median House Price
🏢
$510K
Median Unit Price
📈
+8.5%
Recent Growth (12 months)
💼
$95K
Median Household Income

Why Canberrans Choose Us

👨‍💼
Public servant specialist lending
🏛️
Understand Canberra's unique market
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Access to APS-specific loan products

How Much Can You Borrow in Canberra?

Based on typical Canberra incomes and property prices

Single Income
$95,000
Public servant (APS 5-6)
Borrowing Power:
$570K
With 10% deposit:
$630K property
Target suburbs: Belconnen, Tuggeranong, Gungahlin units
Dual Income
$180,000
Public servants (APS 6 + EL1)
Borrowing Power:
$1.08M
With 10% deposit:
$1.2M property
Target suburbs: Weston Creek, Inner North, Gungahlin houses
High Income
$250K+
Senior executives (SES)
Borrowing Power:
$1.5M+
With 10% deposit:
$1.65M+ property
Target suburbs: Inner South, Deakin, Yarralumla, Forrest

Canberra Suburbs by Budget

💰 Under $600K

Units: Belconnen, Tuggeranong, Gungahlin
Distance: 10-20km from CBD
Good for: First home buyers, investors

🏘️ $600K - $900K

Houses: Belconnen, Gungahlin, Weston Creek
Distance: 8-15km from CBD
Good for: Growing families, established suburbs

🏡 $900K - $1.2M

Houses: Inner North, Weston Creek, Woden
Distance: 5-10km from CBD
Good for: Established suburbs, good schools

💎 $1.2M+

Premium: Inner South, Deakin, Yarralumla, Forrest
Distance: 0-5km from CBD
Good for: Prestige, parliamentary triangle proximity

How We Help Canberra Home Buyers

👨‍💼

Public Servant Specialists

We understand APS employment, security clearances, and access special public servant loan products.

🏦

Compare 83 Lenders

Big banks, credit unions, online lenders - we find the lowest rate for Canberra properties.

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Pre-Approval in 24 Hours

Know your budget before inspections. Fast conditional approval for competitive Canberra market.

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No Cost to You

We receive commissions from lenders, not fees from you. No hidden costs.

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First Home Buyer Experts

Access First Home Guarantee (5% deposit), navigate ACT stamp duty concessions.

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Local Market Knowledge

Understand Canberra's unique government employment market and property cycles.

Canberra Home Loan FAQs

Are there special home loans for public servants?

Yes! Several lenders offer special rates and benefits for APS employees due to job security. We can access these exclusive products and compare them against standard loans.

How much deposit do I need in Canberra?

Ideally 10-20%, but you can buy with just 5% using the First Home Guarantee scheme. For a $770K median property, that's only $38,500 deposit (vs $154,000 for 20%).

Does ACT have first home buyer grants?

ACT doesn't have a cash grant like other states, but offers stamp duty concessions and home buyer schemes. The First Home Guarantee (federal) provides 5% deposit option.

Why are Canberra property prices so high?

High median incomes (public servants), low unemployment, limited land release, and strong government job security create sustained demand. But this also means stable prices and low volatility.

How long does pre-approval take?

We provide pre-approval in 24 hours for most applicants. Public servants with stable APS employment often get approved even faster.

Ready to Buy in Canberra?

Let's find you the best home loan for your Canberra property.

✓ Compare 83 lenders
✓ Public servant specialists
✓ Free service
✓ 24hr pre-approval
Get Pre-Approved Now Call 0424 406 977

📍 Servicing all Canberra & ACT | 🏆 500+ Five-Star Reviews | 🏛️ ASIC ACR 574070

Ricky Esteb - Licensed Mortgage Broker
Richard (Ricky) Esteb
Licensed Mortgage Broker & Founder
Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements
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