A mortgage broker for Sydney borrowers, on a national lender panel.
A mortgage broker for Sydney and NSW, covering home loans, refinancing, investment loans and borrowing inside super. It all runs over video and phone. There is no office in NSW, and it makes no difference to the loan you end up with — the lender panel is national and so is the pricing.
How it works if you’re in Sydney.
Every meeting happens over video or the phone. You upload your documents securely, sign everything online, and we lodge it to the lender electronically. Being in the same room has never once made a lender go faster.
A typical Sydney job takes three conversations. A first call to work out what you earn and what you are after. A working session to go through the lender options. Then a walk-through of what we are lodging, and email updates until it settles.
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.
Which lenders we can reach has nothing to do with our postcode. The panel is national. A Sydney home loan or investment loan is lodged, priced and assessed under exactly the same lender rules as one from down the road in Melbourne.
- The same 50+ lenders.
- The same broker the whole way through.
- Nothing to pay us on a normal home loan.
- The same Credit Guide before anything is lodged.
Loans we arrange in Sydney.
Owner-occupied home loans
Variable, fixed, split, offset. Sydney owner-occupier files often sit at the higher end of our usual 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 or paying it down, and how to line up more than one loan. 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
From the same panel of lenders, when it stacks up. Less common than home loans, but we do it.
The lenders we compare.
More than 50 lenders through Outsource Financial. The six below are the ones we use most. Lending inside super goes to a smaller, more careful group of specialists. Which lender suits you depends on your finances, how much you’re borrowing against the place, and what it’s for — not on where your broker lives.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe Financial
- La Trobe Financial
- Mortgage Ezy
- Pepper Money
- Granite Home Loans
The loans we see most often.
Sydney loan sizes typically run higher than Melbourne. Most of our loans 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 next biggest group. 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.
Borrowing inside super, and what we get paid.
Both halves, for NSW trustees.
30+ SMSF loan clients on the books. Sydney trustees get the lending and, where it matters, the wider advice from the one adviser — worked through with your accountant.
Nothing to pay on a home loan.
The lender pays us when the loan settles. It is all set out in the Credit Guide before we lodge anything. Commercial and SMSF work can carry a fee, and if it does we agree it with you in writing before we start. NSW first-home buyers should also read the first home buyer page on the federal and state schemes that apply.
What people in Sydney ask first.
Keep reading
- All broking servicesThe main page — every kind of loan, all of Australia.
- Refinancing your home loanRate review, equity release, debt consolidation.
- Investment property loansStructure, how much to borrow, 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.
Just a conversation. What you earn, what you have saved, and the place you have got your eye on if there is one. The same call Sydney clients have been having with us for years.