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Nice Loans is a mortgage broker helping Canberra buyers compare home loan options from a panel of more than 40+ lenders. We assist with first home buyer finance, owner-occupier loans, refinancing, investment lending and more. Serving clients across Canberra from Belconnen to Tuggeranong, our approach is entirely client-focused and remote-first.
Remote service across the ACT. You can connect with us by phone, email, or video call, without needing to visit an office. We understand the lending considerations that can affect Canberra borrowers, including ACT duty rules, home buyer assistance programs and how lenders may assess Australian Public Service income.
We compare loans from 40+ Australian Lenders Including
Nice Loans compares suitable loan options from a panel of 40+ lenders, rather than limiting your choices to one bank. Our principal broker, Suman Nepal, assists clients across the ACT, from established suburbs in Canberra’s north and south to newer communities such as Molonglo Valley.
Nice Loans is a credit representative, CRN 560610, and is authorised under Australian Credit Licence 390261. Our understanding of Canberra’s public sector workforce and ACT homebuyer assistance rules helps us assess how lender policies may apply to your circumstances.
For transactions from 1 July 2026, the ACT Home Buyer Concession Scheme has no income threshold or property value limit, although ownership and residence requirements still apply. We can explain how the concession may apply, but buyers remain responsible for assessing & claiming their eligibility. The ACT Revenue Office administers the scheme & may conduct compliance checks.
Median House Value
Median Unit Value
Median Days on Market
Median weekly house rent
Source: NAB Canberra Property Market Insights, using Cotality data to June 2026. The report recorded a median dwelling value of $885,256, annual dwelling growth of 2.9%, a 4.2% gross rental yield and a 1.7% vacancy rate. Market data can change and should be checked again before publication.
Canberra's median unit value was $597,430 in June 2026. Eligible buyers may be able to use the ACT Home Buyer Concession Scheme and the Australian Government 5% Deposit Scheme for the same purchase, subject to the separate rules of each program and participating-lender approval.
Lenders may treat ongoing, non-ongoing, casual and contract income differently. We compare lender policies against your documented employment history, contract term, probation status and eligible allowances; borrowing capacity and approval remain subject to lender assessment.
Canberra's gross dwelling rental yield was 4.2% and its vacancy rate was 1.7% in June 2026. Returns vary by property and exclude expenses. We compare investment-loan structures and features against your borrowing position and cash-flow preferences; obtain tax and property advice separately.
Whether you’re purchasing your first home or already own a property, we can help you compare loan structures suited to your circumstances. This may include looking at fixed and variable rates, repayment options, offset and redraw facilities, along with loan features that can influence the overall value and suitability of the loan.
Investment finance needs to fit your existing financial position while complementing your wider property investment plans. We help Hobart investors compare available investment loan options and understand how different lending structures may influence cash flow, usable equity and your ability to borrow in the future.
Reviewing your existing mortgage can create an opportunity to secure a lower interest rate, restructure your loan, access available equity or consolidate eligible debts. We can compare your current loan with options available through our lender panel and help you determine whether refinancing could offer a worthwhile benefit based on your circumstances.
For some eligible borrowers, a family guarantee can make it possible to purchase a property without saving a traditional 20% deposit. With a guarantor loan, an eligible family member can potentially use equity in their own property as additional security for the loan. Depending on the lender and how the transaction is structured, this may lower the deposit requirement and could help avoid LMI.
Factors such as fund structure, investment strategy, trust arrangements, property type and individual lender requirements all need to be assessed when purchasing property through an SMSF. We can work with your accountant or financial advisers to coordinate the finance side and identify lenders offering suitable SMSF lending solutions.
Construction loans are generally arranged around progress payments, with funds released as specified stages of the build are completed. Whether you’re buying vacant land, constructing a new home or planning a knockdown rebuild, we can explain how construction finance is structured and help assess lenders that may be appropriate for your project.
If you need to purchase your next property before your existing home has sold, a bridging loan can provide short-term finance to help manage the gap. This type of lending can offer additional flexibility when the timing of your property purchase and sale does not align.
Property development projects can require a level and structure of funding that goes beyond a standard residential home loan. Nice Loans can help developers investigate finance options appropriate to the size and structure of their project while coordinating with relevant professional advisers where required.
Estimate your LMI premium based on property value, deposit, & loan amount, helping you understand the true cost of buying with a lower deposit.
We start by understanding your goals, financial position and plans. The initial consultation is obligation-free.
We assess your borrowing position and compare potentially suitable options across our approved lender panel.
Once you decide to proceed, we help prepare the required paperwork and liaise with the lender and relevant parties.
Our support continues through settlement and beyond, we can periodically review your lending position even after settlement.
We compare potentially suitable home loan options across our lender panel based on your circumstances, objectives and lending requirements.
We do not charge borrowers a broker fee for standard residential mortgage broking. Lender, government and third party costs may still apply.
There is no need to visit an office. We work with Canberra clients by phone, email and video call and can manage documentation electronically.
Lenders can treat ongoing, casual and contract public sector income differently, thus, we compare relevant lender policies against your employment circumstances.
We coordinate with lenders and relevant parties, follow up on outstanding requirements and keep you updated throughout the application and settlement process.
Our relationship does not have to end at settlement. We can stay in touch and review your loan periodically as your circumstances and the lending market change.
Suman has helped buyers, refinancers and investors across Australia navigate the home loan process, including a growing base of clients serviced remotely. As an accredited mortgage broker with Vow Financial, Suman has access to a panel of more than 40 leading Australian lenders. This allows him to compare a wide range of home loan products, helping you find competitive interest rates, flexible features and loan structures that best suit your circumstances. Also bound by the Best Interests Duty (BID), he has a legal obligation that requires him to act in his clients' best interests.
We appreciate the positive feedback shared by our clients
Canberra is organised into distinct town-centre districts rather than one continuous suburb grid, each with its own price bands, buyer profile and lending considerations. Our services stretch throughout.
Nice Loans provides remote mortgage broking across Canberra and the Australian Capital Territory.
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Nice Loans provides remote mortgage broking across Canberra by phone, email and video call, so you do not need to visit an office. We can assist with electronic documentation and coordinate with your lender and conveyancer throughout the application and settlement process.
For transactions from 1 July 2026, eligible buyers under the ACT Home Buyer Concession Scheme pay no conveyance duty on new homes, established homes or vacant residential land, with no income threshold or property value limit. Buyers and their domestic partners generally must not have held a legal or equitable interest in property anywhere during the previous five years. At least one buyer must meet the scheme’s residence requirements, and limited exemptions may apply.
ACT First Home Owner Grant payments ceased on 1 July 2019. The Home Buyer Concession Scheme is now the ACT’s main form of home buyer duty assistance. Depending on your circumstances, you may also be eligible for federal housing programs, including the Australian Government 5% Deposit Scheme.
Nice Loans does not charge borrowers a broker fee for standard residential mortgage broking services. We are generally paid a commission by the lender when a loan settles, and the amount is disclosed in writing before you proceed. Lender, government and third-party costs may still apply.
Lenders may assess ongoing, non-ongoing, casual, and contract income differently. Their assessment can depend on employment history, contract term, probation, allowances and lender policy. We compare potentially suitable lenders based on your documented circumstances, but approval remains subject to the lender’s criteria.
We provide remote mortgage broking across the ACT, including Belconnen, Gungahlin, Woden Valley, Weston Creek, Tuggeranong, the Inner North, Inner South and Molonglo Valley. Since our services are remote, you can work with us from anywhere across Canberra. We compare lender options based on your circumstances, property type and loan purpose.
Get a free assessment and discuss which grants, schemes and lending options may be available.
