MORTGAGE BROKER | Canberra & ACT

Home Loans, Commercial Finance & Business Advisory

Finance that supports your next move

Buying a home in Canberra, refinancing an existing loan, investing in property or growing a business requires more than a competitive interest rate. Your finance should fit your income, cash flow, ownership structure and long-term plans.

Advanced Finance Group combines Chartered Accounting expertise with mortgage and finance broking, helping clients across Canberra and the Australian Capital Territory make informed decisions about property, business growth and funding.

From first home buyers and public servants to self-employed professionals, investors and business owners, we bring a broader financial perspective to your borrowing decisions.

Planning a purchase, reviewing your loans or funding your next stage of growth? Book a strategy session with Advanced Finance Group.

Why Choose Advanced Finance Group?

Chartered Accountant + Mortgage & Finance Broker

Led by André Barkhuizen CA, Advanced Finance Group brings together experience in corporate finance, business advisory and lending.

We look beyond the immediate application to understand:

• Your borrowing capacity and comfortable repayment level.
• Your existing debts, assets and cash flow.
• Your employment or business income.
• Your property and business ownership arrangements.
• Your funding needs today and flexibility for the future.

With access to a broad panel of lenders, we assess suitable options and explain the practical differences between them.

Our aim is to help you make better decisions about growth, capital and funding.

Home Loans Canberra & ACT

A lending approach built around your circumstances

Whether you are purchasing an apartment in the city, a family home in Belconnen or Woden, or building in Gungahlin or the Molonglo Valley, we help you understand your options before committing.

We assist with:

• First home buyer loans.
• Owner-occupied home loans.
• Investment property loans.
• Construction finance.
• Refinancing and loan restructuring.
• Fixed, variable and split-rate options.
• Equity release for eligible purposes.
• Bridging finance, subject to lender criteria.
• Debt consolidation where appropriate.

We guide you through borrowing capacity, lender selection, application preparation and settlement, with clear communication throughout.

Home Loans for Public Servants, Professionals & Contractors

Canberra borrowers may have permanent government employment, fixed-term appointments, contracting income, consulting businesses or a combination of income sources.

We help present your circumstances clearly to lenders, including employment history, contract terms, allowances and supporting financial information.

For self-employed applicants, our accounting background helps us interpret financial statements and explain business performance as part of the lending assessment.

Relocating to Canberra or changing employment arrangements? Review your finance before signing a purchase contract.

First Home Buyer Finance ACT

Understand your deposit, purchase costs and borrowing options

Your first purchase starts with knowing what you can afford—and what you need beyond the deposit.

We help you assess:

• Your savings and deposit position.
• Purchase costs and a cash buffer.
• Estimated repayments and borrowing capacity.
• Lenders Mortgage Insurance, where applicable.
• Pre-approval requirements and conditions.
• Potential eligibility for government assistance.

The ACT Home Buyer Concession Scheme provides conveyance duty relief for eligible buyers. Eligibility should be checked against the ACT Revenue Office’s current requirements before you rely on a concession in your purchase budget.

Start with a clear funding plan so you can search with greater confidence.

Understanding ACT Property Finance

Crown leases and property-specific considerations

The ACT has a distinctive leasehold system, with residential Crown leases usually granted for 99 years. When purchasing, the property’s title and lease conditions should be reviewed by your solicitor or conveyancer.

We coordinate the finance assessment with the information your legal adviser provides, helping identify relevant lender requirements early.

Depending on the property and transaction, considerations may include:

• The remaining lease term and permitted use.
• Apartment size, development characteristics and lender acceptance.
• Owners corporation fees and their effect on affordability.
• Construction contracts and progress payment requirements.
• Valuation outcomes and the required deposit.

For buyers comparing Canberra with nearby NSW, the property’s jurisdiction also matters. Purchase costs, concessions and legal requirements should be assessed for the actual property location.

Investment Property Finance Canberra

Build your funding plan around the numbers

An investment property should be assessed through its cash flow, holding costs and effect on your overall financial position.

We help you evaluate finance for houses, townhouses and apartments, considering:

• Available equity and deposit requirements.
• Rental income and lender assessment.
• Repayments and interest-rate sensitivity.
• Rates, applicable land tax, insurance and owners corporation costs.
• Principal-and-interest or interest-only options.
• Loan structure and flexibility for future purchases.

We can model different scenarios so you understand how changes in interest rates, rental income or vacancy may affect your position.

Before purchasing your next investment, understand both the funding requirement and the ongoing cash commitment.

Refinancing & Loan Reviews ACT

Does your existing loan still suit your plans?

Your circumstances can change considerably after settlement. A growing family, higher income, a business venture or another property purchase may call for a fresh look at your lending.

We review your current arrangements and assess whether refinancing or restructuring could improve:

• Interest costs and overall loan pricing.
• Access to offset and redraw facilities.
• Repayment flexibility.
• The organisation of personal and investment borrowing.
• Access to equity, subject to serviceability and lender approval.

We consider switching costs and the effect of any change in loan term, helping you assess the benefit over time.

Commercial & Business Finance Canberra

Funding for premises, working capital and growth

We assist Canberra businesses across professional services, consulting, technology, healthcare, construction, hospitality and other sectors.

Funding needs may include:

• Purchasing or refinancing commercial premises.
• Business acquisitions and expansion.
• Working capital and cash flow facilities.
• Invoice finance.
• Vehicles, machinery and equipment.
• Fit-outs and operational upgrades.
• Property development finance.

For consultants and government-facing contractors, funding discussions may also involve contract duration, customer concentration, payment timing and the resources required to deliver projects.

Our role is to understand the business, assess its funding capacity and prepare a clear lending proposal supported by relevant financial information.

Equipment & Asset Finance ACT

Equip your business while managing cash flow

Equipment purchases should support productivity without placing unnecessary pressure on working capital.

We assist with finance for:

• Business vehicles, utes and trucks.
• Construction machinery and trade equipment.
• Medical and specialist equipment.
• Manufacturing and operational assets.
• Eligible technology and commercial equipment.

We assess available structures against the asset, business circumstances and repayment capacity, including the effect of deposits, loan terms and any balloon payment.

Property Development Finance Canberra & ACT

Test feasibility before committing capital

For developers and investors, the funding structure should reflect the project’s cash requirements, delivery risks and exit strategy.

We assist with finance assessments for eligible residential and commercial projects, including land acquisition, construction and refinancing.

Key considerations may include:

• Developer experience and financial capacity.
• Project feasibility and contingency allowances.
• Planning approvals and relevant Crown lease conditions.
• Construction contracts and builder suitability.
• Equity contributions and presale requirements.
• Funding drawdowns and repayment strategy.

Our advisory capability supports scenario modelling to assess the effect of cost increases, delays and changes in sales outcomes.

Bring us into the conversation early, while there is still time to shape the funding approach.

SMSF Property Loans ACT

Finance aligned with your fund’s circumstances

We assist with lending assessments for eligible residential and commercial property acquisitions through a Self-Managed Superannuation Fund.

This may include a limited recourse borrowing arrangement, subject to the proposed transaction, fund structure and lender requirements.

We work alongside your accountant, legal adviser and licensed financial adviser to assess lending requirements, documentation, liquidity and repayment capacity.

The decision to establish an SMSF or invest through superannuation should be considered with appropriately qualified advisers before proceeding.

Corporate & Business Advisory Canberra

A broader perspective on growth, capital and funding

Finance works best when it supports a clear business plan.

Advanced Finance Group helps business owners and management teams assess decisions through:

• Integrated profit, cash flow and balance sheet forecasts.
• Funding capacity reviews.
• Scenario and sensitivity modelling.
• Business growth and capital planning.
• Financial reporting and board packs.
• Acquisition assessment and due diligence.
• Working capital and performance reviews.
• Succession and ownership transition planning.

For family-owned businesses, we recognise that commercial decisions often involve relationships, shared history and the expectations of different generations.

We help bring financial clarity to those discussions, supporting decisions that consider both the business and the people behind it.

Serving Canberra & the ACT

We assist clients across:

• Canberra City and the Inner North.
• The Inner South.
• Belconnen.
• Gungahlin.
• Woden Valley.
• Weston Creek.
• Tuggeranong.
• Molonglo Valley.
• Other ACT locations.

We also assist clients in nearby Queanbeyan, Jerrabomberra and Googong in NSW, with finance assessed according to the property’s location and relevant requirements.

Appointments are available by phone or video, allowing you to discuss your plans wherever you are based.

Frequently Asked Questions

Can you help public servants and government contractors obtain a home loan?

Yes. We assess your income and employment arrangements, then identify lenders whose criteria may suit your circumstances. Contracting and fixed-term income require individual assessment.

Can you help finance a property held under an ACT Crown lease?

Yes. We can assess lender options for ACT leasehold property and work with the information provided by your solicitor or conveyancer. Acceptance depends on the property, lease and lender requirements.

Can you assist first home buyers with ACT concessions?

We help you factor potential assistance into your funding discussions. Eligibility must be confirmed against current ACT Revenue Office requirements before you rely on it.

Can you help self-employed borrowers?

Yes. We review business financial information and assess suitable lending pathways, including alternative documentation options where available and appropriate.

Can you finance property in Canberra and nearby NSW?

Yes. We assist with lending in both jurisdictions, while accounting for differences in purchase costs, property requirements and available concessions.

Can you help with both business advisory and commercial lending?

Yes. Our combined capability helps connect your business plans, financial forecasts and borrowing requirements.

Take the Next Step with Advanced Finance Group

Your next property or business decision deserves a clear funding plan

Whether you are buying your first Canberra home, investing in ACT property, reviewing your mortgage or funding business growth, start with a conversation about your circumstances and objectives.

Book a strategy session with André Barkhuizen CA to discuss your borrowing capacity, finance options and next steps.

Advanced Finance Group
Helping you make better decisions about growth, capital and funding.

Visit Advanced Finance Group to arrange a conversation

Finance is subject to lender approval, eligibility criteria and terms. Fees and charges may apply. Information is general and does not take account of your individual circumstances.