Home Loan Broker Sydney logomark Home Loan Broker Sydney

Sydney mortgage broker matching

Home Loan Broker in Sydney

Get matched with experienced mortgage brokers who compare lenders right across Greater Sydney, whether you are buying your first home, refinancing or investing.

  • ✓ Brokers compare major banks, smaller lenders and non-banks
  • ✓ Free, no-obligation pre-approval review
  • ✓ First home buyer, refinance and investor support
See how it works

Request your free review

Tell us what you need and a broker in our network will be in touch.

Your details are only used to arrange your enquiry. See our privacy policy.

Our Services Six home loan services, from first home buyers to refinancing. Locations Broker coverage across 15 Greater Sydney suburbs. Free Tools Estimate your borrowing power and first-home steps. About How our Sydney broker network works. Contact Request a free, no-obligation pre-approval review.

Home loan help for every stage

The brokers in our network handle the full range of Sydney home lending. They check your borrowing power, compare loans across a wide lender panel, and help you weigh fixed rate versus variable rate home loans, offset accounts and the first home guarantee. From pre-approval and lenders mortgage insurance through to construction loans and investment property loans, you get plain-English guidance matched to your situation.

First Home Buyer Loans

Guiding Sydney first-home buyers through deposits, government schemes and pre-approval to their first purchase.

View service →

Home Loan Refinancing

Comparing lenders to help Sydney homeowners cut repayments, release equity or switch to a better rate.

View service →

Investment Property Loans

Structuring finance for Sydney property investors, from borrowing power to equity release and rentvesting.

View service →

Construction and Renovation Loans

Arranging progressive-drawdown finance for building, knock-down-rebuild and major renovations across Sydney.

View service →

Self-Employed Home Loans

Matching sole traders and business owners in Sydney with lenders that understand non-standard income.

View service →

Home Loan Pre-Approval

Fast-tracking conditional pre-approval so Sydney buyers can bid and negotiate with confidence.

View service →

Why Sydney buyers use our broker network

A wide lender panel

Brokers in our network compare home loans across major banks, smaller lenders and non-bank lenders, far wider than the single brand a branch can offer.

Acting in your best interests

Australian mortgage brokers work under a legal best interests duty regulated by ASIC and disclose how they are paid in writing before you proceed.

Usually no cost to you

For most home loans the lender pays the broker after settlement, so the service is generally free to the borrower in the vast majority of cases.

Sydney-wide local knowledge

From the Hills and the North Shore to the south-west and the Sutherland Shire, the network covers buyers and refinancers right across Greater Sydney.

Work out your borrowing power

Send a few details and a broker in our network will review your goals and lender options. There is no cost and no obligation, and your details are only shared with a suitable broker in our network.

  • ✓ Free pre-approval review
  • ✓ Help with first home buyer schemes in NSW
  • ✓ Refinance and equity-release options

Get a free pre-approval review

A broker will be in touch about your Sydney home loan.

Your details are only used to arrange your enquiry. See our privacy policy.

Common Sydney home loan questions

Quick answers on borrowing power, deposits and how a broker can help.

How much does a mortgage broker cost in Australia?
For most home loans a broker costs you nothing out of pocket. The lender pays the broker a commission after your loan settles, so the service is free to the borrower in the vast majority of cases. A small number of brokers charge a fee for complex or commercial scenarios, and if they do they must disclose it to you in writing before you proceed.
How do mortgage brokers get paid if I don't pay them?
Lenders pay brokers two types of commission. An upfront commission of roughly 0.6 to 0.7 percent of the loan amount is paid when the loan settles, and a trail commission of around 0.15 to 0.2 percent of the outstanding balance is paid each year while the loan runs. These payments come from the lender, not from you.
Does using a mortgage broker mean I pay a higher interest rate?
No. The rate you get through a broker is the same rate the lender offers directly, and brokers can often access sharper pricing because of their lender panel and volume. The commission the lender pays the broker does not get added to your rate or your loan balance.
How much can I borrow for a home loan?
Your borrowing power depends on your income, living expenses, existing debts, the number of dependants, and the deposit you have. Lenders must also assess you at your actual interest rate plus an APRA buffer of 3 percentage points, and most apply a debt-to-income cap of around six times gross income. A broker can run your numbers across several lenders, as borrowing capacity varies between them.
Why do lenders assess me at a higher interest rate than the one I'll pay?
Regulator APRA (the Australian Prudential Regulation Authority) requires lenders to add a serviceability buffer of 3 percentage points to your actual rate when testing whether you can afford the loan. This is to make sure you could still cope if rates rose. The buffer was confirmed at 3 percentage points again in 2026, and it reduces how much you can borrow by roughly 15 to 20 percent.

Get matched with a broker

Start your Sydney home loan the easy way

Compare lenders and get a clear next step with a broker in our network.