GREATER SYDNEY MORTGAGE BROKER
Strategic Home Loans Built for Your Future
The loan that looks cheapest on a rate card may carry restrictive policies that fail to fit your income, timing, or future plans. We compare exact lender policies, upfront fees, and long-term costs across a panel of more than 40 lenders. The result is a lending strategy built strictly around your verified financial position.
40+
Access to major banks, non-banks, and specialist commercial funders.
7 Years' Experience
Direct guidance from an independent professional who reads credit policy.
48-Hour Submission
Target turnaround time once your requested files are received.
$0 Broker Fee
For standard residential home loans (the lender pays the commission).
Borrower profiles
Finance for the property goal you actually have
Employment, existing debts and purchase timing change how a lender reads the application. We structure the loan for the position you are in now.
01
Buying your next home
Coordinate the gap between selling and the next purchase. We look at usable equity, bridging and how your income will be treated on the new loan.
02
Refinancing and debt consolidation
A lower rate only helps if the saving outweighs break costs and setup fees. We compare staying, repricing and switching on the same remaining term.
03
First home buyers
Work out buying costs, stamp duty and which concessions or guarantee schemes reduce the cash you need on settlement.
04
Low deposit home loans
A 20% deposit is not always required. We look at the First Home Guarantee, family guarantee structures and whether LMI is the cheaper path.
Our commitment
Legally bound to put your interests first
A bank branch can only offer that bank's loans. As brokers we work under the best interests duty. That duty requires the recommendation to prioritise your outcome over a lender's commission.
01
A written shortlist
We record the comparison, put the costs and trade-offs in writing, and say why other lenders were left off the list.
02
The 3% serviceability buffer
Lenders test the loan at a rate at least 3% above the rate you pay. Unused card limits and personal loans reduce the amount they will consider.
03
We lodge only when the numbers fit
An application goes in when verified income, debts and the property line up with that lender's policy. A calculator result is not that test.
04
We stay on the file until it settles
We coordinate with your conveyancer and any outgoing lender so the documents and funds are in place for settlement.
How it works
Understand, compare, apply, settle
01
Day 0
Understand your goals
The first conversation covers your plans, approximate numbers and anything in the credit history that needs explaining. You then get a document list for your employment type.
Credit impact — none
02
Days 1–5
A lending strategy built around your position
Once the documents are in, we test them against current lender criteria. You get a written recommendation that explains why that option was selected.
Credit impact — soft enquiry only
03
Days 5–7
We lodge and track the file
After you approve the recommendation, we prepare and lodge the application, track the valuation and clear the conditions for formal approval.
Credit impact — enquiry recorded
04
Weeks 3–6
We stay on the file until it settles
We coordinate with your conveyancer and any outgoing lender so the documents and funds are in place for settlement.
Credit impact — account reported
Passing the lender stress test
Lenders assess the loan at a rate at least 3% above the rate you pay. Unused card limits and existing personal loans reduce the amount they will consider.
Open the calculatorsCommon questions
Home loan questions we get most
If yours is not here, ask it directly — you will get a straight answer, not a callback form.
Ask a broker →Most lenders prefer 20% so you avoid lenders mortgage insurance. Depending on the lender and the property, you may be able to borrow up to 95%. First home buyers may qualify for a guarantee scheme that allows a 5% deposit without LMI. You still need separate funds for stamp duty and legal costs.
The advertised rate is the interest on the balance. The comparison rate folds in most standard upfront and ongoing fees, using a $150,000 loan over 25 years. It is a legal comparison tool, not a quote for your loan amount.
Our target is to submit a complete file within 48 hours of receiving the documents. After that, the lender controls assessment, valuation and formal approval. Settlement follows the contract or the outgoing lender's discharge timeline.
No. An estimate uses unverified figures and basic policy rules. It is not a loan offer or a pre-approval. Unconditional approval needs verified income, credit history, living expenses and an accepted valuation.
Lenders must assess the loan at least 3% above the rate you will pay. Unused credit card limits count as a commitment even when the balance is zero. The calculator does not apply every lender rule.
Related services
Often looked at alongside this
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Loans
01
Investment property loans
Plan the next purchase around usable equity, how the lender treats rent, and the commitments you already have.
Loans
01
Self-employed home loans
Find lenders whose policy fits the business records you can provide, including tax returns and activity statements.
Loans
01
Specialist finance
SMSF lending, company and trust structures, and short-term bridging when a standard home loan is the wrong shape.
Give us a call
Find out what you can borrow, properly
You do not need a chosen lender or a finished folder before the first conversation. Tell us what you want to buy, what you earn and what you owe. We will run the preliminary numbers without a credit enquiry and tell you what is missing.
No credit enquiry
The first numbers do not touch your credit file.
A document list
You collect only what your income type needs.
One broker
You speak with the person who owns the file.