Mortgage Brokers in Sydney
Sharper rates, faster approvals and a Sydney-based broker who actually picks up the phone.
From first-home buyers in the Inner West to investors stacking units on the North Shore, our Sydney mortgage brokers negotiate with 40+ lenders so you walk away with a home loan structured for the Sydney market — not a generic call-centre rate.
Local know-how for the Sydney property market
Sydney has Australia's highest median property prices and the toughest serviceability tests. We help you maximise borrowing capacity, navigate LMI on high-LVR loans, and use NSW first-home buyer schemes (First Home Buyer Assistance, First Home Guarantee) where you qualify.
High-LVR & LMI specialists
Sydney prices mean most buyers borrow 80%+. We negotiate LMI waivers for eligible professionals and structure loans to reduce upfront cost.
NSW grants & schemes
We'll check your eligibility for First Home Buyer Assistance, First Home Guarantee and stamp duty concessions across NSW.
Investor structuring
Interest-only, offset accounts, equity release — we structure portfolios for Sydney investors with future purchases in mind.
Self-employed in Sydney
Alt-doc and low-doc lending for Sydney business owners, contractors and tradies whose bank says no.
Suburbs we service across Sydney
Phone, video and in-person appointments available. A few of the Sydney suburbs we regularly settle loans in:
- Parramatta
- Bondi
- Chatswood
- Newtown
- Hurstville
- Liverpool
- Manly
- Penrith
- Surry Hills
- Ryde
- Blacktown
- Cronulla
Sydney mortgage broker FAQs
How much can I borrow for a home loan in Sydney?+
Borrowing power depends on income, expenses, deposit and existing debts. With Sydney's higher prices, most lenders cap repayments at around 30–35% of net income. We'll run the numbers across 40+ lenders to find your maximum.
Do I qualify for the First Home Buyer Assistance Scheme in NSW?+
Most NSW first-home buyers get full stamp duty exemption on new or existing homes up to $800,000, with concessions up to $1,000,000. We'll confirm eligibility and apply on your behalf.
What deposit do I need to buy in Sydney?+
Typically 5–20% of the purchase price. Below 20% you'll usually pay Lenders Mortgage Insurance (LMI), unless you qualify for the First Home Guarantee or an LMI-waiver profession (e.g. medical, legal, accounting).
How long does a Sydney home loan take to settle?+
Most of our Sydney clients go from application to unconditional approval within 1–2 weeks, with settlement timed to the contract (typically 4–6 weeks after exchange).
Do you charge fees as a mortgage broker?+
No. We're paid commission by the lender once your loan settles. You pay nothing for our advice, application work or ongoing rate reviews.
Talk to a Sydney mortgage broker today
Free, no-obligation assessment. We'll show you exactly how much you can borrow and the sharpest rates you qualify for in the Sydney market.
- 40+ lenders compared
- 99% approval rate
- Zero broker fees