First-home buyers
Guidance through grants, stamp duty concessions, government schemes and structuring the deposit to give lenders confidence.
Lending · Owner-occupier
Whether you are buying your first home or upgrading to the next, home loans Canberra borrowers arrange through Numbers & Sense start from a position most brokers never have — a clear view of your full financial picture.
Most mortgage brokers meet your finances for the first time at the point of application. When you work with Numbers & Sense, your accountant and your broker sit within the same practice. That means your income structure, deductions, tax position and cash-flow patterns are already understood before a lender is approached.
For Canberra public servants, this is straightforward. For contractors, sole traders and self-employed professionals whose income doesn't fit a lender's tidy box, it is the difference between a generic submission and one prepared by people who already know how the numbers work.
Home loans Canberra residents arrange through our practice benefit from that continuity — fewer surprises, cleaner applications, and lending structured with your broader affairs in mind.
Who this is for
Guidance through grants, stamp duty concessions, government schemes and structuring the deposit to give lenders confidence.
Selling and buying, bridging finance, or keeping the existing property as an investment — each path has lending and tax consequences we coordinate together.
Permanent, temporary and contract arrangements common across Canberra government departments, with lenders experienced in these structures.
Sole traders, contractors and business owners whose income is strong but whose paperwork requires a broker who understands the accounting behind it.
We compare home loans Canberra borrowers qualify for across a panel of over 30 major banks and specialist lenders. That includes lenders experienced with non-standard income, contractor arrangements and the government employment structures common in the ACT.
Every recommendation is explained in context — not just the rate, but how the loan structure interacts with your tax position, cash flow and longer-term plans.
For investment property finance, see investment loans. To review an existing loan, see refinancing. Our home loans Canberra service complements the accounting and tax work we do for the same clients.
Frequently asked
No. Our lending service is available to anyone, though existing clients benefit from a strategy informed by their full financial position.
Our service is commission-based. There is typically no direct fee to you, and we explain any applicable costs upfront before you proceed.
From initial discussion to formal approval, most straightforward applications take two to four weeks. Complex income structures may take longer, which is why having the accounting relationship already in place helps.
Yes. We guide you through the First Home Owner Grant, stamp duty concessions in the ACT, and the First Home Super Saver Scheme where applicable.
A clear next step
No obligation, no pressure — just a clear picture of where you stand and what is available.
Ready when you are
Tell us what you need and we'll point you to the right person. We reply within one business day.