Whether you’re a first home buyer, an investor, or looking to refinance, finding the right home loans Goulburn has available can feel overwhelming. David at Ellesmere simplifies the process — comparing options from over 30 lenders to find a rate and structure that genuinely suits your situation.
We help clients across Goulburn, Canberra, the ACT and the Southern Tablelands with:
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- First Home buyer loans & First Home Guarantee (FHOG)
- Investment Property loans
- Construction & Bridging loans
Home Loans Goulburn – FAQs
How much can I borrow for a home loan?
Your borrowing capacity depends on your income, expenses, existing debts and deposit. Use the Borrowing Power Calculator above for an estimate, then speak with David for a more accurate picture based on your full situation.
What’s the difference between fixed and variable rates?
A fixed rate locks your repayments for a set period, giving you certainty. A variable rate moves with the market — it can go up or down. David will help you compare both options across 30+ lenders to find what suits your goals.
Do I need a 20% deposit?
Not always. The First Home Guarantee scheme allows eligible buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance. David can walk you through your eligibility.
David works with first home buyers navigating the First Home Guarantee, investors building a portfolio, and existing homeowners who want to know if their current rate is still competitive. There’s no obligation — just a clear, honest conversation about what’s available and whether it makes sense for you.
📞 Call David: 0437 519 306
ellesmere.com.au
Ellesmere Mortgage & Financial Services services clients across Goulburn, Canberra, the ACT, and the broader Southern Tablelands region.
