A mortgage broker for Sydney borrowers, on a national lender panel.
A mortgage broker covering home loans, refinancing, investment and SMSF lending for Sydney and NSW. Delivered virtually. Same panel, same broker, no in-person office in NSW.
How the service works for Sydney clients.
Every meeting is by video or phone. Document collection is by secure upload. Loan and supporting documents are e-signed. Submission to the lender is electronic. Physical proximity does not change processing time on any major Australian lender.
A typical Sydney file runs across three contact points. An introductory call to map income and target. A working session to compare lender options. A submission walkthrough and updates by email until settlement.
Hours run 8am to 7pm AEST, which is the same clock for Sydney clients. We keep slots open outside the standard 9-to-5 for clients who can only talk at the end of the day.
The Sydney office is closed. Has been for years.
A previous Sydney office at Level 8, 70 Pitt Street operated for a period and was closed well before this site went up. We do not list it as active because clients cannot meet us there. The Pitt Street address still appears in older directories. It is not a place to visit.
Lender access does not depend on broker postcode. The panel is national. Sydney owner-occupier and investment files are submitted, priced and assessed on the same lender policies as a Melbourne file.
- Same 50+ lender panel.
- Same broker, the whole way through.
- No upfront fee for residential lending.
- Same Credit Guide before any submission.
Loans we arrange for Sydney borrowers.
Owner-occupied home loans
Variable, fixed, split, offset. Sydney owner-occupier files often sit at the higher end of the practice average loan size.
Refinancing
Rate review, cashback offers where available, equity release, debt consolidation. NSW mortgages older than two years are usually above market.
First home buyer loans
Federal First Home Guarantee scheme and NSW state assistance. Common in growth corridors like Box Hill and Marsden Park.
Investment property loans
Interest-only, P&I, portfolio structuring. Sydney clients often buy interstate in Brisbane and regional NSW on the same panel.
Commercial property loans
Owner-occupier commercial and investment commercial. NSW self-employed clients with stable cash flow are the typical fit.
SMSF property loans
Residential and commercial LRBAs through specialist SMSF lenders. NSW trustees treated identically to Melbourne files.
Construction and bridging
Progress draws, end debt, short-term bridging. Useful for Sydney upgraders sitting on equity from a long-held property.
Car and personal loans
Through the same panel where it makes sense. Less common than residential, but available when needed.
The 50+ lender panel for Sydney borrowers.
50+ lenders via Outsource Financial. The six listed are the lenders we send the most volume to. SMSF-specialist lenders sit on a smaller, more cautious panel. Lender selection depends on credit profile, LVR and loan purpose, not on the broker's home state.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
Loan profile we see most often.
Sydney loan sizes typically run higher than Melbourne. Average ticket sizes across the practice land between $500,000 and $800,000, and Sydney owner-occupier files often sit above the upper bound, particularly in the inner-west, eastern suburbs and the lower North Shore. The home loan repayment calculator is a useful first read on what those loan sizes look like monthly.
Investment lending is the second-largest cohort. Many Sydney clients buy interstate, particularly Brisbane, Melbourne and regional NSW, and the coordination on that work runs the same way regardless of asset location.
Refinancing volume is meaningful. Sydney mortgages held for more than two years are very often above market, both because rates have moved and because retention pricing inside the major banks rewards the inattentive borrower in the opposite direction. A run through the refinance comparison calculator usually settles the question.
SMSF and broker fees explained.
End-to-end for NSW trustees.
30+ SMSF loan clients across the practice. Sydney trustees access end-to-end SMSF lending and, where relevant, related financial planning under one adviser. Coordinated with the trustee's accountant.
No upfront fee on residential.
Broker commission is paid by the lender on settlement. The arrangement is disclosed in the Credit Guide before any application is submitted. Commercial and SMSF can carry advice fees, agreed in writing before work starts. NSW first-home buyers should also read the first home buyer page on the federal and state schemes that apply.
What Sydney borrowers usually ask first.
Continue reading
- All broking servicesFull pillar page. Every product, full scope, every state.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, LVR positioning, portfolio sequencing.
- SMSF property lendingLRBAs and specialist lenders for NSW trustees.
- Sydney financial plannerVirtual financial planning across NSW.
- Sydney buyer's agentInner-west, North Shore, eastern suburbs, Northern Beaches, growth corridors.
Start with a free first call.
A first conversation. Income, deposit, target property if you have one. The same call Sydney clients have had with us for years.