Sydney Mortgage Brokers: Top 10 Highest-Rated Mortgage Brokers in 2025

A trusted Sydney mortgage broker helps property buyers and investors access the best financial products available.

How to Spot the Best Mortgage Broker Sydney Has To Offer

When searching for an amazing broker in Sydney, consider these essential criteria for a stress free experience:

  • Industry Experience: Minimum 5 years in the mortgage and finance association industry
  • Client Satisfaction: 4.5+ average rating from previous clients
  • Proven Track Record: 50+ verified reviews showing exceptional service
  • Lender Panel: Access to many lenders beyond your current bank
  • Specialisation: Expertise in investment property, renovation loans, and SMSF loans
A mortgage broker helps you compare home loans and get approved fast

Best Sydney Mortgage Brokers

RankBrokerSpecialtyNumber of LendersClient RatingApproval RateProcessing TimeCurrent Offer
1Roar CapitalInvestment properties, Refinancing45+5.0/5.0 (85+ reviews)100%5-8 daysFree Financial Health Check
2Approved FinanceComplex lending, Commercial loans50+5.0/5.0 (43+ reviews)99%

1-24 hours

Free Home Loan Consultation
3Soren FinancialFirst home buyers, Refinancing45+5.0/5.0 (93+ reviews)100%1-2 days

Free 48-Hour Home Loan Review

4MortgageWorks

Investment Loans, Home Loans, Commercial Loans

50+5.0/5.0 (439+ reviews)100%6-10 daysFree 48-Hour Home Loan Review
5BFC Mortgage

Home loans, First home buyers, Property investment loans

35+5.0/5.0 100%6-10 daysFree Consultation
6 BE Astute

First home buyers, Government grants

30+5.0/5.0 (50+ reviews)98%7-12 daysFree Consultation
7Breathloans

Self-employed, Unique situations

40+5.0/5.0 (65+ reviews)95%8-12 daysFree 48-Hour Home Loan Review
8My Finance Mate

Diverse clientele, Self-employed

30+5.0/5.0 (40+ reviews)97%7-12 daysFree Assessment
9Home Loan Experts

Difficult approvals, Specialist lending

40+4.8/5.0 (150+ reviews)92%10-14 daysFree Consultation
10Shore Financial

First home buyers, Real estate network

35+5.0/5.0 (100+ reviews)98%7-10 daysFree Assessment

Submit one inquiry to OurTop10 Brokers

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OurTop10
Recommended Sydney Mortgage Brokers

Use this curated list to find a professional broker who’s right for you. The next time you’re looking up ‘mortgage broker Sydney’, you’ll be guided through every step of the mortgage process and help you secure the best interest rates available.

1. Roar Capital

Why choose Roar Capital?

  • 100% loan approval rates with professional advice
  • 5-star Google ratings for relationship based service
  • 45+ lenders on their lender panel
  • Fastest turnaround times in the industry

Roar Capital specialises in helping Australians confidently purchase their next investment property or owner occupied home. With access to over 40 banks and lenders, they craft tailored mortgage solutions for both residential and investment loans. Their team helps clients understand borrowing capacity and maximise their potential through early financial planning.

Client Experience

Francis Barcelon
"I recently refinanced my loan with the help of the legends at Roar Capital, and the experience couldn't have been smoother. Sevag's professionalism and expertise was evident from start to finish, and he worked tirelessly to secure the best rates for me. The entire process was incredibly smooth, and I felt supported every step of the way."
Stan Sushchev
"I am so happy we came across Roar Capital as we were looking for a broker. Sevag has been super helpful from day 1. His in-depth knowledge of the market, lenders and all nuances, his professionalism and personalized approach have made our journey super easy and smooth."

Contact Details

Phone: 0407 345 330
Address: 1/225 Pacific Highway, North Sydney, 2060

Current Offer:
Free Financial Health Check within 48 hours

2. Approved Finance

Why choose Approved Finance?

  • Priority access to senior credit officials
  • Same-day decisions with formal approval possible in 24 hours
  • Specialised in complex residential and commercial lending options
  • Expert guidance through the loan application process

Principal finance broker James Haywood authored the Amazon #1 Best Seller “The Smart Borrower’s Field Manual.” Their expertise in understanding credit requirements helps evaluate clients’ financial situations, match them with suitable home loan products, and navigate the mortgage comparison process effectively.

Services:

  • Mortgage broking and refinancing
  • First home buyers finance
  • Investment property finance
  • Complex residential lending
  • Business loans and smsf loans

Client Experience

Valerie Wang
"Blake has been exceptionally professional and helpful in every step of the way. He consistently provides updates and goes out of his way to ensure that my loan gets approved. Cannot recommend a better broker than Blake!"
Diana Ariza
"If you're looking for a mortgage broker who truly has your back, I can't recommend Blake highly enough. Blake always takes the time to understand your specific needs and presents options that align with your goals."

Contact Details

Phone: 1300 992 837
Address: 2/658 Pittwater Rd, Brookvale NSW 2100

Current Offer:
Free Home Loan Consultation

3. Soren Financial

mansour soltani

Why Choose Soren Financial?

  • 100% loan approval rates with numerous loan application successes
  • 20+ years of partnerships with major banks
  • Stress free experience with 100% satisfaction guarantee
  • Access to 45+ lenders for mortgage solutions

Based in North Sydney, Mansour Soltani established Soren Financial to provide bespoke client experiences while giving borrowers access to numerous lending options. Known for securing home loan products with the lowest loan repayments, they maintain strong relationships with different lenders who can handle challenging scenarios.

5-Point Approval Process:

  1. Long-term financial goals assessment
  2. Comprehensive lender panel evaluation
  3. Real-time loan application matching
  4. Data-driven shortlisting of top 5 options
  5. Complete home loan report within 24 hours

Client Experience

Bachir Naim
"Where do I start, after using numerous brokers throughout the years, these guys are simply the best! They are responsive, they tailored the loan to suit my situation and did it in record time."
Robert Williams Pate
"Very happy with the service. Fast response times and very patient with First Home Buyers asking many a question! Helped me make sense of what was before a very daunting task."

Contact Details

Phone: 1300 899 819
Address: Suite 1/225 Pacific Hwy, North Sydney NSW 2060

Current Offer:
Free 48-hour Home Loan Review

Services

  • Investment Loans
  • Home Loans
  • Defence Finance
  • Commercial Loans
  • SMSF Loans
  • Guarantor Loans
  • Business Loans
  • Construction Loans
  • Deposit Bonds
  • Bridging Loans
  • Private Loans
  • Development Finance
  • Car Loans

MortgageWorks was founded to help people achieve their financial goals. With 20+ years of experience across the team, MortgageWorks takes the hard work out of securing a mortgage.

In a landscape that regularly leaves clients overwhelmed, our brokers are here to guide you through the maze of property finance with security and confidence. Our end-to-end process is designed to provide the best outcome for our clients and partners

Through dedication, attention to detail and excellent service, the brokers at MortgageWorks will do what it takes to become your trusted, reliable partner for the life of your loan. Our focus on exceptional service has seen each of our directors recognised as MPA top-100 mortgage brokers.

Awards:

  • 2022 New Brokerage Award
  • 2023, 2024 AMA Excellence Brokerage of the Year
  • 2023 AMA
  • Women in Finance Winner 2024
  • MPA Elite Woman 2025,
  • MPA Top brokerage 2025
  • Australian Broker Fast Brokerages 2025,
  • The Adviser Top 25 Brokerages 2025
  • MPA Top 100 Broker – 2022, 2023, 2025

Client Experience

Mitch Babbs
I recently worked with Anthony and have to say he's the best mortgage broker Sydney has to offer. From start to finish on both a recent investment loan and owner-occupied refinance, Anthony made the entire process seamless and stress-free. He took the time to understand my financial goals and presented several options that suited my needs. Thanks to his expert guidance, I ended up with a much better rate and structure than I had before—saving me money and giving me more flexibility moving forward. Anthony and the entire team at MortgageWorks were always professional, responsive, and incredibly knowledgeable. It’s clear the team genuinely cares about getting the best results for their clients. If you're considering refinancing, I highly recommend reaching out to Anthony. Easily the best mortgage broker in Sydney I've dealt with.
Ramandeep kaur
From Mortgage works Sydney, Jack Greentree is absolutely outstanding! He made both my home loan and investment loan process unbelievably easy and fast. He goes above and beyond to secure the best deals and ensures everything is handled with the highest level of professionalism. I’ve recommended Jack to many friends, and he has delivered excellent results every single time — never disappointing anyone. His expertise, efficiency, and genuine care for his clients make him the best mortgage broker you could ever ask for. Truly the go-to person for all loan needs!

Contact Details

Phone: 1300 112 448
Address: Suite 702, 418A Elizabeth Street Surry Hills, NSW, 2010

Current Offer:
Free Consultation

Services

  • Home loans
  • First home buyers
  • Property investment loans
  • Non-Resident loans
  • Ex-Pat loans
  • Commercial loans
  • Guarantor loans
  • Self Employed loans
  • Business Finance
  • Equipment Finance
  • Car loans
  • Refinancing
  • Debt consolidation
  • Self-managed Superfund Loans (SMSF LOANS)
  • Development/Construction loans
  • Specialist Securities
  • Medico lending

BFC Mortgage is a trusted Australian mortgage brokerage with over 20 years of experience across the full spectrum of lending. Founded by Director Loni Karabesinis, a qualified mortgage broker with a background in accounting and financial planning, the firm is dedicated to structuring loans that fit each client’s unique need – today and into the future. With access to a wide network of professional services and lending partners, BFC Mortgage delivers a seamless experience while empowering clients with the knowledge and skills to build long-term financial security and wealth.

Founder and Director Loni Karabesinis ensures every loan is structured to meet clients’ needs today while preparing them for tomorrow. With a strong background in accounting and financial planning, Loni brings extensive expertise to guide clients through every stage of their property journey. Supported by access to a wide network of professional services, he delivers a seamless experience and places a strong emphasis on education—empowering clients with the knowledge and skills to build lasting wealth for themselves and their families.


 

Client Experience

Nicolas Materac
"Loni from BFC Mortgage is a competent broker who goes well beyond the usual mums and dads loans and understands investors, and their own specific sets of criteria. Whether this is your first rodeo or your 10th one, Loni is your guys for nothing finance If you are looking for a first loan, a refinance, an equity redraw to put the money to better use, proper structures, Interest Only loan, best interest rate, you name it… Loni is here to guide and help you along the way."
Dina Salem
“Loni and his team were fantastic to work with, I received a fantastic solution to a complicated scenario.“ Highrise Investments Pty Ltd. “My experience with Loni was exceptional. He is very professional and knowledgeable at what he does. He took time to understand my position. He is straightforward and didn’t give false hope, straight to the point and gave me the best solution to save money and get me the most appropriate loan. He is very reliable. He was available to answer questions and explain all the steps of the process. He was instrumental in me buying my property. Highly Recommend his service.“

Contact Details

Phone: 0403 355 224
Address: 34-36 Ralph St, Alexandria NSW 2015

Current Offer:
Free Assessment

6. BE Astute

Why choose BE Astute?

  • Tailored lending options for unique financial situations
  • User-friendly platform for comparing loan application options
  • Expert guidance on government grants for first home buyers
  • Award-winning team with industry recognition

BE Astute recognises that no two financial situations are identical. Their commitment to understanding specific needs allows them to tailor mortgage solutions that align with circumstances. Their platform helps explore diverse home loan choices without hidden fees.

Awards:

  • The Adviser Better Business Awards 2022 – Best Newcomer
  • Finsure Academy finance broker of the Year 2022
  • NAB Platinum Broker status

Services:

  • Home loan and refinancing solutions
  • Investment property loans
  • Construction and bridging loans
  • Business loans and personal loans

Client Experience

Jessica and Mark T.
“BE Astute helped us navigate the complexities of first home buying with expert advice on government grants we didn’t know we qualified for.”

Contact Details

Phone: 0452 555 777
Address: Brookfield Place, 10 Carrington Street Sydney NSW 2000 

Current Offer:
Free Consultation

7. Breathloans

Why choose Breathloans?

  • Award-winning mortgage advisor service
  • Specialises in unique client situations
  • Strong personal relationships with lenders
  • Cutting-edge technology with personalised service

Since 2017, Ollie and team have dedicated themselves to understanding each client’s unique situation, from home buyers to self-employed investors. They combine technology with attentive service, ensuring clients understand correct loan repayments and features like offset account facilities.

Client Experience

Madeleine WilsonMadeleine Wilson
08:19 03 Aug 25
Ollie is amazing always helps find a solution and comes through with the goods. Makes this whole home ownership thing a lot less stressful
Jack PollockJack Pollock
23:42 22 Jul 25
Ollie and the Breath Loans team were a pleasure to work with, totally professional, very informative, proactive and always ready to answer any question we had. The team made the process very easy, totally seamless and they were always there for us. I would highly recommend the Breath Loans team and happily work with them again - thanks
Matthew RoseMatthew Rose
10:32 30 Jun 25
Ollie and the Breath Loans team made the whole loan application process so easy. They are such an efficient team our loan was organised and approved with over a month to spare before settlement! I would not hesitate to recommend Ollie and the Breath Loans team as the best in the business!!
Amrita PuniaAmrita Punia
02:42 05 Feb 25
Ollie and his team were extremely professional, proactive, responsive and made the process of securing my loan for my property an extremely seamless and stress free experience. All requirements for documentation to support the loan were provided upfront via their workflow system, making it simple, easy and efficient. No questions went unanswered and my loan was approved within record time, which made settlement smooth. Thankyou and I definitely recommend your services!
s westfields westfield
09:44 10 Nov 24
Ollie and the team went above and beyond with our recent financing for an investment property. The transaction was fairly complex however the Breath team were always timely with information and great to deal with. Five Stars!
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Contact Details

Phone: 0422 164 377
Address: 2D Darley Rd, Manly NSW 2095

Current Offer:
Free 48-Hour Home Loan Review

8. Home Loan Experts

Why choose Home Loan Experts?

  • Specialisation in getting tough loan approved
  • Strong relationships with major banks and specialist lenders
  • Ability to negotiate competitive interest rate options
  • Expertise in complex lending options

Home Loan Experts have built reputation for delivering exceptional service and getting tough loan application approvals with lenders and major banks. They negotiate competitive mortgage rates based on application strength and have become a trusted sydney mortgage broker for many years.

Client Experience

Natalia A
"Rojan Paudel and Shalu Pradhan were our points of contact from the start (sourcing a loan) to the end (settlement). Could not speak more highly of the service that they both provided."
Alice P
"Fantastic, efficient and comprehensive service. Manish and Irek were not only extremely easy to deal with, they provided timely service and found a loan perfect for our circumstances."

Contact Details

Phone: 1300 889 743
Address: Suite 207/3 Rider Blvd, Rhodes NSW 2138

Current Offer:
Free Consultation

9. Shore Financial

Why choose Shore Financial?

  • Sydney’s fastest-growing mortgage brokerage
  • Strategic alliance with Australian real estate networks
  • 9 years helping Sydney residents find homes
  • Proven track record with multiple mortgage solutions

With strategic alliance to the Australian real estate network, Shore Financial has helped people in Sydney find homes for almost 9 years. As the fastest-growing sydney mortgage broker service, they have a team of professionals delivering outstanding customer service and strategic home loan advice.

Client Experience

Sarah Bowes
"It has been a great experience working with Shore Financial. Mitch was incredibly patient with my first home loan and property purchase. It was a smooth, stress free process."
Elishia
"I had such a great experience with Shore Financial! Greg was so helpful with my first loan and successful property purchase!"

Contact Details

Phone: 1300 416 700
Address: Level 16/124 Walker St, North Sydney NSW 2060

Current Offer:
Free Assessment

10. My Finance Mate

Why choose My Finance Mate?

  • Independent finance broker with expert guidance
  • Specialised solutions for first-time home buyers
  • Deep understanding of various mortgage products
  • Help clients avoid hidden fees when comparing products

My Finance Mate was established as an independent finance brokerage to provide expert guidance through the complex sydney market. The lead mortgage broker sydney specialist excels in managing complex scenarios with deep understanding of loan approval requirements and monthly fees structures.

Client Experience

Parastoo Roozgard
"If you're looking for someone who can provide clear, honest, and realistic explanations in just one session, don't hesitate to call Mohsen. He offers valuable suggestions and is friendly and approachable."
Heath Thomson
"Mohsen was amazing. What stood out most was his commitment to ensuring I found the best possible loan for my needs. He went above and beyond, providing personalized advice."

Contact Details

Phone: 0469 844 656
Address: 193 Macquarie St, Sydney NSW 2000

Current Offer:
Free Assessment

Mortgage Brokers Sydney - Happy couple meeting with a mortgage broker in a modern Sydney office to discuss home loan options.

What is a Sydney Mortgage Broker?

A mortgage broker is a licensed financial professional who acts as an intermediary between borrowers and lenders to secure home loan products with favourable terms and interest rate options. According to the Mortgage & Finance Association of Australia (MFAA), mortgage brokers now facilitate over 65% of all residential home loan applications in Australia.

In Sydney, these professionals play a crucial role in navigating the competitive property market by offering personalised lending options tailored to each client’s unique financial situation.

Why Choose a Mortgage Broker in Sydney?

Benefits of Working with a Sydney Mortgage Broker

1. Access to Diverse Loan Products: Sydney mortgage broker professionals collaborate with numerous lenders, including major banks like Commonwealth Bank, ANZ, Westpac, NAB, and boutique institutions. This provides access to wide variety of home loan products, investment loans, and specialised financing options not available directly to consumers.

2. Expert Guidance Throughout the Process: A professional mortgage broker sydney specialist simplifies the home loan process by:

  • Explaining complex terminology like lenders mortgage insurance in plain language
  • Comparing various lending options based on your borrowing capacity
  • Recommending the right loan for your financial situation
  • Managing paperwork to get your loan approved faster
  • Guiding you through pre approval process


3. Time-Saving Convenience:
Working with a finance broker saves valuable time by:

  • Eliminating need to research multiple lenders independently
  • Handling negotiations with financial institutions
  • Managing loan application paperwork and follow-ups
  • Coordinating settlement process for stress free experience


4. Competitive Rates and Terms:
Thanks to established relationships with lenders, brokers often:

  • Negotiate interest rate options lower than advertised rates
  • Secure fee waivers not available to direct applicants
  • Arrange flexible terms for specific circumstances
  • Access exclusive broker-only products
  • Secure lowest loan repayments with features like offset account facilities


5. Personalised Service:
Sydney mortgage brokers pride themselves on:

  • Offering flexible meeting times including evenings and weekends
  • Providing ongoing support throughout loan lifecycle
  • Conducting regular reviews to ensure mortgage remains competitive
  • Building long-term relationships focused on financial success

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Conclusion

Choosing the right mortgage broker in Sydney can significantly impact your home purchase journey. These top-rated brokers offer exceptional service, access to many lenders, and expertise in navigating the complex Sydney property market. Whether you’re a first-time home buyer or seasoned property market investor, working with a trusted Sydney mortgage broker ensures you secure the best mortgage rates and loan approval for your unique situation.

Remember to compare lending options, understand monthly fees, and ensure your chosen finance broker provides relationship based service that makes the whole process as smooth as possible. With the right professional guidance, securing your ideal home loan in Sydney’s competitive market becomes a stress free experience.