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  • Writer's pictureJared Mullane

Top 10 mortgage brokers in Sydney

Updated: 2 days ago

In Sydney, many people turn to mortgage brokers for help when buying property. Why? Because brokers simplify the entire process for borrowers. 


Whether you’re a first home buyer, investor or refinancing, the best brokers will get to know your property goals and help you reach them. Then they should be able to give advice tailored to your situation.


Use our guide to explore 10 of the best mortgage brokers in Sydney, plus check out some key details to be across before engaging with a broker.


Who are the best mortgage brokers in Sydney?

A mortgage broker meeting a client at their office

Finding the best Sydney mortgage brokers is largely about finding someone who can find you the best deals and interest rates. But a good broker will also take the time to understand your financial position, offering recommendations that fit your needs.


Here are 10 of the top mortgage brokers in Sydney:

1. Soren Financial - Mansour Soltani

At Soren Financial, Principal Finance Broker Mansour Soltani leads a dedicated team focused on making the home loan process as easy as possible. Drawing on years of industry experience, Mansour and the team at Soren Financial are committed to finding he best deals for clients, ensuring a smooth and stress-free experience. In recognition of their exceptional growth and service, Soren Financial was awarded the title of fastest-growing brokerage in 2023.


Specialises in:



Lender panel: 45+ lenders


Years in operation: 4+ years


Awards & recognition:


  • Bankwest New Brokerage of the Year 2022 Excellence Awardee


Google review rating: 5 stars (based on 74 reviews)


Contact:



Business hours: Mon-Fri, 8:30am - 5pm (after 5pm by appointment)


Onsite/online appointments: Yes, you can book here

2. Koalify

Koalify is redefining the mortgage experience by combining cutting-edge technology with personalised, expert service. With over 12 years experience in banking and mortgage brokering, Koalify is dedicated to help tailor solutions that meet your specific goals and situation. Koalify's mission is simple: to make the mortgage process as seamless as possible. Whether you're a first home buyer, looking to refinance your existing mortgage or a sophisticated investor, Koalify is committed in helping you navigate the complex world of home financing with confidence.


Specialises in:


  • First home buyer loans

  • Refinancing

  • Next home buyer loans

  • Investment loans

  • Construction loans


Lender panel: 30+ lenders


Years in operation: 2+ years


Awards & recognition: None listed


Google review rating: No details listed


Contact:



Business hours: Online with live chat functionality


Onsite/online appointments: Online only

3. Shore Financial

With over 70 lenders on its books, Shore Financial is regarded as Australia’s number one mortgage broker (according to its website), offering a client-centric approach. Its team of brokers and credit advisers pride themselves on finding the best home loans for their clients’ unique circumstances. Some of its recent awards include Champion Broker Group 2022-23 by the Australian Financial Group and Finalist Major Independent Brokerage 2023 by The Adviser Australian Broking Awards.


Specialises in:


  • First home buyer loans

  • Owner-occupier loans

  • Guarantor loans

  • Refinancing

  • Investment loans


Lender panel: 70+ lenders


Years in operation: 10+ years


Awards & recognition:


  • The Adviser Top 25 Brokerages 2016, 2018-24

  • AFG Champion Broker Group 2020, 2022-23

  • The Adviser Australian Broking Awards 2023 Finalist - Major Independent Brokerage of the Year

  • The Adviser Better Business Awards 2024 Finalist - Best Finance Brokerage NSW/ACT

  • Australian Mortgage Awards 2021-23 Excellence Awardee for Brokerage of the Year

  • MPA 2023 Top Brokerages Australia


Google review rating: 5 stars (based on 429 reviews)


Contact:



Business hours: Mon-Fri, 8:30am - 6pm


Onsite/online appointments: Yes

4. 1st Street Financial

Located in the Eastern Suburbs, 1st Street Financial is a one-stop shop for home loans, investment properties and commercial finance. The brokerage claims to reduce or waive upfront fees, offer lower interest rates and enable speedy loan approval. 1st Street Financial works with more than 40 lenders, including the big four banks, and has extensive knowledge of the Sydney property market.


Specialises in:


  • First home buyer loans

  • Refinancing

  • Bridging loans

  • Investment loans

  • Line of credit


Lender panel: 40+ lenders


Years in operation: 7+ years


Awards & recognition:


  • Commonwealth Bank Brokerage of the Year (>20 Staff) 2023

  • The Adviser Top 25 Brokerage 2020 


Google review rating: 5 stars (based on 65 reviews)


Contact:



Business hours: Mon-Fri, 9am - 5pm


Onsite/online appointments: Yes

5. Mortgage Choice Sydney

Ryan Pappas is the Principal and owner of Mortgage Choice Sydney, holding an ‘Elite’ broker status with the Commonwealth Bank of Australia and Westpac. He is dedicated to securing a range of finances for home loans, first home buyers, people relocating, property investment, refinancing, and more. Ryan has received multiple awards, including Newcomer of the Year - NSW State Finalist in 2022 by The Adviser, AMA 2021 Young Gun - Finalist, MPA 2021 Young Gun - Runner Up, and Newcomer Award - Finalist at the MFAA State Excellence Awards 2021.


Specialises in:


  • First home buyer loans

  • Next home loans

  • Refinancing

  • Investment loans

  • Debt consolidation


Lender panel: 35+ lenders


Years in operation: 10+ years


Awards & recognition:


  • The Adviser Newcomer of the Year 2022 NSW State Finalist - Ryan Pappas

  • AMA Young Gun 2021 Finalist - Ryan Pappas

  • MPA Young Gun 2021 Runner Up - Ryan Pappas

  • MFAA State Excellence Awards 2021 Newcomer Award Finalist - Ryan Pappas


Google review rating: 5 stars (based on 94 reviews)


Contact:



Business hours: Mon-Fri, 8:30 am - 6pm


Onsite/online appointments: Yes

6. XIN Mortgage

XIN Mortgage has 40 licensed brokers who have access to 30 lenders, specialising in first home purchases, refinancing and property investments. The brokerage has more than 700 5-star reviews on Google, and claims to “guide homeowners and investors in choosing the right loan”. Based on its principles of “guiding, growing, guarding”, XIN Mortgage has helped over 3,900 clients and approved roughly 6,800 loans.   


Specialises in:


  • First home buyer loans

  • Refinancing

  • Investment loans

  • Debt consolidation loans

  • Self Manged Super Fund (SMSF)


Lender panel: 25+ lenders


Years in operation: 7+ years


Awards & recognition:


  • The Adviser Top 25 Brokerages 2023-24

  • MPA Top Brokerage 2022-23

  • Australian Mortgage Awards 2021 Gold Winner - Brokerage of the Year (6-20 Staff)


Google review rating: 5 stars (based on 748 reviews)


Contact:



Business hours: Mon-Fri, 9am - 5:30pm


Onsite/online appointments: Yes

7. Principal Mortgages

Principal Mortgages is a reputable mortgage broker known for securing a range of deals for clients across Sydney. Founded in 2004, Principal Mortgages claims to be “lender agnostic”, with all brokers MFAA Approved Credit Advisers. According to its website, Principal Mortgages has worked with more than 1,000 customers, boasting over $500 million in loans approved.


Specialises in:


  • First home buyer loans

  • Next home loans

  • Refinancing

  • Investment loans

  • Pre-approval


Lender panel: 40+ lenders


Years in operation: 20+ years


Awards & recognition: None listed


Google review rating: 5 stars (based on 132 reviews)


Contact:



Business hours:


  • Mon-Fri, 9am - 5pm

  • Sat, 9am - 1pm


Onsite/online appointments: No online appointments (according to Google)

8. SF Capital

Award-winning SF Capital is one of Sydney’s most respected brokerages. SF or “Service First” Capital as they proclaim, pride themselves on delivering expert advice to first home buyers, property upsizers, investors, commercial property, property development, and more. SF Capital bases its success on being customer-centric, acting with integrity, and delivering results. It has more than 170 5-star reviews on Google and was the State and National Customer Service Individual Award winner in 2021 by the MFAA. 


Specialises in:


  • First home buyer loans

  • Property upsizers

  • Investment loans

  • Construction loans

  • Bridging finance



Lender panel: 20+ lenders


Years in operation: 10+ years


Awards & recognition:


  • MFAA Excellence Awards 2021 Equipment Finance Broker Award - State Finalist

  • MFAA Excellence Awards 2021 Customer Service Individual Award - State Winner

  • MFAA Excellence Awards 2021 Customer Service Individual Award - National Winner


Google review rating: 5 stars (based on 185 reviews)


Contact:



Business hours: Mon-Fri, 9am - 6pm


Onsite/online appointments: Yes

9. Insight Property Finance

Insight Property Finance’s small team of mortgage brokers are experts in property finance, refinancing, business loans, and more. According to their website, Property Finance provides tailored solutions with a commitment to results and ongoing support. It was ranked 5th by Mortgage Professionals Australia as Top 100 Brokers in 2021 and a Finalist as Best Residential Broker in 2021 at the Australia Mortgage Awards.


Specialises in:


  • First home buyer loans

  • Refinancing

  • Investment loans

  • Guarantor loans

  • Low-doc loans


Lender panel: 30+ lenders


Years in operation: No details listed


Awards & recognition:


  • MPA Top 100 Brokers 2021 - Rank # 5

  • Australian Mortgage Awards, Best Residential Broker 2021 Finalist

  • Connective Excellence Awards, NSW Broker of the Year 2021 Winner


Google review rating: 5 stars (based on 193 reviews)


Contact:



Business hours: Mon-Fri, 8:30am - 6pm


Onsite/online appointments: Yes

10. Bspoke Finance

Bspoke Finance is a national brokerage operating out of Sydney that has more than 20 lenders on its panel. Bspoke Finance’s Director, Ryan Rodriguez, oversees all operations and has over 15 years’ experience within the banking and finance industry. Areas of expertise include assistance for self-employed and bad credit borrowers, home renovation loans, first home buyers, commercial properties, and more.


Specialises in:


  • First home buyer loans

  • Next home loans

  • Refinancing

  • Construction loans

  • Self-employed loans


Lender panel: 20+ lenders


Years in operation: No details listed


Awards & recognition: None listed


Google review rating: 5 stars (based on 36 reviews)


Contact:



Business hours: Mon-Fri, 8am - 6pm


Onsite/online appointments: Yes


How to find good mortgage brokers in Sydney

To find a good mortgage broker in Sydney, you’ll need to: 


  • Do your research: Read company profiles online and check out reviews from previous clients. Explore what services the brokerage provides and whether it suits your needs. You may also want to see if the company or individual brokers have won any industry awards as this may indicate they excel in a particular field.

  • Ask for recommendations: Don’t be afraid to ask your friends and family for recommendations who have recently bought property in Sydney. They may suggest brokers better suited to your financial goals and overall position. 

  • Narrow down your options: Once you’ve selected a preferred broker, organise a consultation (these are usually free) and discuss your specific needs. Pay attention to how they communicate, ask lots of questions, and assess how they address your concerns. 

  • Choose a mortgage broker: Look for a mortgage broker who gives you great financial advice and is transparent about how they get paid. It’s also important to make sure the broker has a solid understanding of the Sydney property market. 


Make sure your mortgage broker understands the Sydney property market

View of Sydney harbour and bridge

It goes without saying that real estate in Sydney is a highly contested market, featuring some of Australia’s most expensive suburbs. According to Domain, Sydney’s Bellevue Hill reached a median house price of $9.17 million. With such an in-demand market, it’s essential that your mortgage broker can navigate the process efficiently so you can act fast if a property comes to the market that ticks all your boxes.


Make sure your broker is across any state-based rules on property transactions, such as transfer duty rates as this can affect your overall costs and how much you need to borrow.   


Your broker should also be familiar with government incentives for first home buyers or other types of borrowers, such as those who are self-employed.  


Today, most brokers are online and operate across Australia. However, some Sydney-based brokers may have access to local lenders that offer specific deals for borrowers in Sydney.


The best brokers in Sydney will be able to provide you with property reports that show on individual properties, plus insights on the local market, including statistics on a suburb’s population and whether a particular area is yielding good results for investors. Having these details on hand may help you decide if now’s a good time to buy.


How Sydney mortgage brokers can help you

Sydney mortgage brokers offer expert assistance, regardless of your property knowledge. They typically negotiate competitive interest rates and loan terms on your behalf, potentially surpassing those advertised by lenders. 


Throughout the buying process, mortgage brokers give comprehensive guidance and support. This includes explaining various finance options and helping you select the most appropriate deal according to your circumstances.    


One of the major advantages of using a broker is that their human interaction provides reassurance during a somewhat complicated process. This can be a huge bonus if you’re not confident in your ability to find a good deal.


Is it worth paying a mortgage broker in Sydney?

It depends on your situation and your level of experience with buying property in Sydney.  


For some borrowers, mortgage brokers provide peace of mind in securing a good finance deal, as well as dealing with all the relevant paperwork. While other borrowers may be perfectly capable of finding a home loan without the assistance of a broker. 


It’s important to note that competition for properties in Sydney’s most sought after suburbs (such as Chatswood, Frenchs Forest and Mosman) is strong. This is where mortgage brokers are useful as they can help get your finances in order quicker so you’re ready to make a winning offer.  


Keep in mind that most mortgage brokers only work with a selection of lenders. This means that they won’t offer all home loans available to you.


Key questions to ask Sydney mortgage brokers

As a starting point, you should be asking your Sydney mortgage broker the following: 


  • What lenders do you partner with? Brokers do not have access to all lenders in the market. They generally partner with a pool of lenders, including banks, credit unions and specialist lenders. Make sure you’re not limited to a small selection. 

  • How do you recommend loans for my situation? Every borrower’s financial position is unique, meaning you’ll want a broker who listens to your questions and recommends options based on your goals. For example, if you’re a first home buyer, you may prefer a basic loan to minimise costs, whereas refinancers may value loans with an offset account and other features.  

  • What fees are involved, and how are you paid? Most mortgage brokers are paid a commission by the lender you choose, while others may charge an upfront fee (although this isn’t common).

  • Is the interest rate the most important feature of a loan? Mortgage brokers should explain every feature of each option, including the interest rate, fees, terms, redraw facility, offset accounts, and more. This way you get a holistic view of what you’re signing up for. 

  • How long will it take for my mortgage to be approved? Ensure your broker gives you a realistic timeframe of when your mortgage will likely be approved (otherwise known as pre-approval). This will indicate to sales agents that you’re serious about making an offer on a property. 


Disclaimer: The list of mortgage brokers presented on this page is based on research our experts could find at the time of writing. We are not making a recommendation about any particular brokers. Please use this information as a guide only, and do your own research before engaging with a mortgage broker.  


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