Mortgage Broker for Harrison, ACT.
Harrison is a modern Gungahlin suburb in Canberra's north — townhouses, apartments and family homes near the light rail, popular with first-home buyers and the Nepali community.
Harrison at a glance
Gungahlin · Canberra. Want current median prices for a specific Harrison address? Ask us for a free CoreLogic / APM report.
What it actually costs here.
Harrison is a Gungahlin suburb built mostly since 2008, with detached houses, townhouses and apartments along the light rail on Flemington Road. Almost everything here is relatively new, and the ACT’s 2026 changes mean many buyers now pay no stamp duty at all.
| Example purchase | Duty (owner-occupier) | Eligible first home buyer | First home grant | 5% Deposit Scheme |
|---|---|---|---|---|
| Apartment near the light rail, $560,000 | $11,000 | $0 (Home Buyer Concession) | No grant in the ACT | Yes (cap $1,000,000) |
| Townhouse, $760,000 | $19,798 | $0 (Home Buyer Concession) | No grant in the ACT | Yes (cap $1,000,000) |
| 4-bed house, $980,000 | $32,778 | $0 (Home Buyer Concession) | No grant in the ACT | Yes (cap $1,000,000) |
Local lending notes
- Home Buyer Concession Scheme: from 1 July 2026 there’s no income test or price cap, so if no buyer or partner has owned property in the last 5 years, you pay $0 duty on any of these homes.
- New units: owner-occupiers buying an off-the-plan or newly unit-titled apartment or townhouse pay $0 duty at any price, even if they have owned before.
- Leasehold land: all ACT residential land is held on a 99-year Crown lease. Lenders treat it like freehold, but your conveyancer checks the lease purpose clause and any building approvals.
How duty is worked out: ACT stamp duty guide. Grant rules: ACT Home Buyer Concession guide. Want real sales data for a specific Harrison street? Ask us for a free CoreLogic report.
The right loan, in your language.
Harrison buyers are first-home buyers into townhouses and apartments, families and investors. We compare 40+ lenders, map first-home support and low-deposit options — in English, Nepali or Hindi.
40+ lenders, one conversation
Instead of one bank's products, we compare 40+ lenders to find the sharper rate and the structure that actually fits your Harrison purchase.
Free to you
For residential home loans the lender pays our commission — so our advice is generally free. We disclose everything in writing.
English or Nepali
Jwala speaks Nepali and Hindi, and works with many in the community. Deposits, grants, borrowing power and contracts — explained clearly in your language.
Best Interests Duty
As a licensed credit representative we're legally bound to recommend what's right for you — not what pays us most.
Simple, on your schedule.
We help Harrison buyers Australia-wide. Everything is done by phone, video and secure online upload — so being interstate makes no difference to the service or the lenders we can access.
- 100% online: phone, video and secure document upload — anywhere in Australia
- 40+ lenders: the same panel and rates wherever you are
- In your language: English, Nepali or Hindi
- Open 7 days: 6am–8pm Sydney time
What we help with most.
First home in Harrison
We map your real deposit, the First Home Owner Grant, stamp-duty concessions and low-deposit (5%) and no-LMI pathways for Harrison buyers.
Investing around Harrison
Using equity to buy an investment? We structure the loan with a clean tax-deductible purpose from day one and target lenders that value the area well.
Self-employed in Harrison
Run your own business? We have alt-doc / low-doc lenders who assess self-employed Harrison buyers fairly — often with just BAS or an accountant’s letter.
More ways we help Harrison borrowers.
Whatever your situation, we likely have a lender for it — and for residential home loans, our service is free to you.
Nearby suburbs.
Good to know.
Do you have a mortgage broker for Harrison?
Yes. 365 Home Loans helps buyers in Harrison and across Australian Capital Territory. We compare 40+ lenders to find the right loan, and our service is free to you — the lender pays us. You can meet by phone, video or online, and we also speak Nepali and Hindi.
Do I pay stamp duty buying in Harrison?
Not if you qualify for the ACT Home Buyer Concession Scheme (no property owned in the last 5 years) or you’re an owner-occupier buying a new unit. Otherwise an owner-occupier pays about $19,798 on a $760,000 townhouse.
Do you have a Nepali-speaking mortgage broker for Harrison?
Yes — Jwala Aryal speaks Nepali and Hindi, and works with many members of the Nepali community in Harrison. We can explain deposits, grants, borrowing power and the whole loan process in Nepali. See our Nepali home loans page.
Can you help first-home buyers in Harrison?
Absolutely. We guide Harrison first-home buyers through the First Home Owner Grant, stamp-duty concessions, the Australian Government 5% Deposit Scheme (formerly the Home Guarantee Scheme) and low-deposit (from 5%) and no-LMI options — and tell you, in dollars, what you’re actually eligible for.
Is the service really free in Harrison?
Yes. For residential home loans the lender pays our commission, so our service is generally free to you. We disclose all commissions in writing, and under our Best Interests Duty we must recommend what’s right for you.
5.0 stars from 115+ reviews.
"Jwala dai guided me with clarity and patience, ensuring I understood every step and option available."
"Jwala made the whole process so smooth. He explained everything clearly, kept us updated, and found the right deal for our needs."
"Outstanding broker. Clear advice, prompt communication, excellent market knowledge. Made securing our loan hassle-free."
Ready to chat about Harrison?
Book a free, obligation-free call, or send a WhatsApp. One conversation is usually all it takes to know where you stand — in English, Nepali or Hindi.