Mortgage Broker Canberra
Canberra Home Loan & Complex Lending Specialists
WRA Mortgage Brokers is an Australia-wide mortgage and finance brokerage, based in Melbourne, specialising in home loans, investment finance, construction lending, refinancing and complex borrower scenarios.
Canberra borrowers often have stable incomes and complex structures (including government and contractor employment). WRA services clients in Canberra remotely from our Melbourne office, with expertise in self-employed and complex lending.
Based in Melbourne — expert mortgage broking for Canberra borrowers, delivered remotely with the same care as a local.
How WRA Helps Borrowers in Canberra
Specialist brokers for every situation — at zero cost to you.
Home Loans
Owner-occupied finance up to 95% LVR with access to 50+ lenders.
Refinancing
Switch lenders to a sharper rate and lower repayments. Save $500+/month.
Investment Property
Strategic investment finance structured for your portfolio goals.
Construction Loans
Progress-draw loans for new builds, knockdown-rebuild and renovations.
Self-Employed & Low-Doc
1-year financials, BAS and accountant letters accepted. Low doc to 90% LVR.
Complex Lending
Company & trust borrowers, temporary visas, paid defaults, ATO debt and more.
We Say Yes When Others Say No
Specialist lending policies that most banks and brokers can't offer — available to Canberra borrowers.
ATO debt pay down accepted as cash out purpose
No notional rent for rent-free family living (parent declaration only)
2% servicing buffer — helpful in high-rate environments
1-year financials accepted for self-employed clients
Accountant letter accepted in place of NOA for full-doc SE applicants
Company and Trust borrowers accepted
Low doc up to 90% LVR · Owner-occupied up to 95% LVR
Temporary visas accepted · Paid defaults up to $1,000
Your Canberra Home Loan Journey
A simple 4-step process — fast, fully remote, stress-free.
Assessment
We review your finances and goals remotely.
Pre-Approval
Fast pre-approval from the best lender for you.
Strategy
We structure the right loan for your situation.
Settlement
We manage paperwork and settlement remotely.
Ready to Get Started in Canberra?
Get your 100% free assessment today — no obligation, no cost, just expert advice. Most clients are pre-approved within 48 hours, wherever you are in Australia.
WRA Mortgage Brokers — based in Melbourne, servicing clients in Canberra and across Australia.