Australian Capital Territory
Mortgage broker for Australian Capital Territory home buyers and investorsBuying in ACT? Get the numbers right.
Magnus Finance works with home buyers and property investors in the Australian Capital Territory and right across Australia. We map your borrowing position across real lender calculators, then structure each loan so your next move stays possible.
Book a strategy callThe information on this page is general in nature and doesn't consider your personal circumstances. Government rules were current as at November 2026 and change often. Confirm the details with the ACT Revenue Office before you rely on them, and consider whether this information is right for your situation.
Australian Capital Territory rules that affect your loan.
Stamp duty in ACT
In the Australian Capital Territory it's called conveyance duty. It's usually your biggest upfront cost after the deposit, and lenders want to see you can cover it. Use the ACT Revenue Office calculator for your exact figure.
First home buyers in ACT
- From 1 July 2026, eligible first home buyers pay no conveyance duty on homes or vacant land under the Home Buyer Concession Scheme, with no income test or price cap.
- You must be an individual aged 18 or over, not have owned property in the previous 5 years, and live in the home for 12 months starting within a year of settlement.
- The ACT doesn't currently offer a first home owner grant. The duty concession is the main help.
- The federal 5% Deposit Scheme lets eligible first home buyers purchase with a 5% deposit and no lenders mortgage insurance. Price caps vary by location, so check the Housing Australia eligibility tool.
Property investors in ACT
- The ACT has been gradually replacing conveyance duty with general rates since 2012, so holding costs show up in rates and land tax rather than upfront.
- Investors with short-stay properties face a short-stay levy rising to 7.5% from 1 July 2027.
How Magnus Finance helps
- We run your borrowing capacity across lenders. It can vary a lot from bank to bank for the same person.
- We check how lenders treat the property's postcode and type before you commit.
- We structure each loan, in your name, a trust or a company, so it doesn't block your next purchase. Confirm entity structures with your accountant.
- Everything is done by phone, email and a secure online portal, wherever you are in Australia.
ACT questions.
Do first home buyers pay stamp duty in Canberra?
From 1 July 2026, eligible first home buyers pay no conveyance duty under the ACT Home Buyer Concession Scheme, with no income test or price cap. Eligibility rules apply, so confirm with the ACT Revenue Office.
Do I need a mortgage broker based in the Australian Capital Territory?
No. Magnus Finance is based in Brisbane and works with clients in the Australian Capital Territory and right across Australia by phone, email and a secure online portal. Lender policy, not broker location, decides what you can borrow.
What does a broker do differently for ACT property?
We check how each lender treats the property's location and type, run your numbers through real lender calculators, and factor in state costs like duty and land tax before recommending a structure.