How we rank mortgage brokers in Sydney
We’ve put together a list of Sydney’s best mortgage brokers using a clear and consistent set of criteria designed to identify experienced and well-reviewed providers.
Our selection criteria includes:
✔ More than 5 years’ experience in mortgage broking or financial services
✔ An average rating of 4.5 stars or above, based on verified customer reviews
✔ A minimum of 50 online reviews from recognised platforms
✔ A strong team structure, rather than a solo operator, to support clients throughout the process
✔ A broad lender panel to ensure access to a wide range of options across the market
✔ In-depth knowledge of the Sydney property market, including local suburbs, pricing trends and lending nuances specific to Sydney
Every provider listed on this page met these standards. They are shown in no particular order: this is not a 1-to-10 merit ranking, and a provider’s position in the list does not mean it is better than the others.
OurTop10
Best mortgage brokers in Sydney
bspoke finance
- 5.0
- 24hr response guaranteed
- Residential, Commercial, Self Employed, ATO Debts, Credit Blemishes
Why choose bspoke finance
- Personalised lending strategies tailored to individual goals and circumstances.
- More than 20 years of banking and finance industry experience.
- Expertise across residential, investment, SMSF and complex lending.
- Strong understanding of self-employed and non-standard income lending.
- Experience assisting clients with ATO debt, credit issues and outstanding tax returns.
- Access to a broad panel of lenders across residential, commercial and specialist finance.
- Ongoing support throughout the entire lending journey.
Best suited for
- First home buyers seeking guidance and support.
- Homeowners looking to refinance or restructure existing debt.
- Property investors focused on long-term growth.
- Self-employed borrowers and business owners.
- SMSF trustees purchasing residential or commercial property.
- Clients seeking tailored lending solutions for unique financial circumstances.
Ryan Rodriguez brings more than twenty years of banking and finance behind bspoke finance. The work covers first purchases, refinances, growing a portfolio and buying through a self-managed super fund.
Where the firm earns its keep is the applications other brokers hand back. Self-employed borrowers with income that does not fit a payslip. Clients carrying ATO debt or with tax returns still outstanding. Past credit issues. None of those are automatic knock-backs, but they need a broker who knows which lender will look at them and how the file has to be put together.
What clients say about bspoke finance
Ryan has helped us secure a great car loan for our growing family. The whole process was made seamless because of Ryan’s prompt communication and attentiveness. Thank you so much for your service!
Ryan from bspoke finance is amazing! He went above and beyond for over 8 months while I was looking for a house! Always kept me informed, always available to help and answered emails, calls and sms promptly. My situation was a little bit tricky but Ryan made the loan happen! He is informative and always there if you need help with anything! Highly recommend!!
Ryan from Bspoke has been amazing, goes over and above to make the home loan journey successful..... Great service still matters
Contact Details
Phone: 1300 386 630
Calendly booking
Email: [email protected]
Service Area: Australia-wide
Head Office: Nexus Building 4 Columbia Court Norwest NSW 2153
Approved Property Finance
- 5.0
- 45 lenders
- 24–36 hours approval
- Residential, Commercial, SMSF, Asset Finance
Why choose Approved Property 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 is the author of the Amazon #1 bestseller ‘The Smart Borrower’s Field Manual’. What stands out is the team’s focus on education and borrower guidance. Rather than simply recommending a loan, they take the time to understand a client’s financial position, explain their options and match them with lenders that suit their circumstances.
Services:
- Mortgage broking and refinancing
- First home buyers finance
- Investment property finance
- Complex residential lending
- Business loans and smsf loans
Client Experience
Flint Group
- 5.0
- 55 lenders
- 2–3 days approval
- Residential, Commercial, Private, Asset, Business
Why choose Flint Group?
- Access to 55+ lenders across residential, commercial, asset and business lending
- Award-winning team (FBAA Broker of the Year) with 500+ five-star client reviews
- Specialists in first home buyers, investors, professionals and high-net-worth clients
- Strong focus on borrower education and long-term strategy
Founded by two of Australia’s most recognised brokers, Flint pairs a large lender panel with a strong focus on education and long-term strategy. Co-founder and CEO Christian Stevens is a multiple award-winning broker (including FBAA Broker of the Year), and the team is known for guiding first home buyers, investors and business owners through even complex lending with clear, proactive communication.
Services:
- Residential mortgages and refinancing
- First home buyer and investment finance
- Commercial and business lending
- Asset and equipment finance
- Private lending and SMSF
Australian Financial & Mortgage Solutions
- 5.0
- 45 lenders
- Residential, Commercial & Business Finance, Asset Finance & Equipment Funding
Why choose AFMS Group?
- Award-winning results: Recognised as an AFG Top 10 Broker nationally and Top 5 in NSW.
- 5.0-star rating: Backed by over 800 perfect client reviews across Google and dedicated broker platforms.
- Broader lender access: Panel includes 45 lenders to secure a genuinely competitive rate.
- Rapid turnarounds: Your application is put forward without delay to secure fast, confident approvals.
AFMS Group is a Sydney CBD-based mortgage brokerage that offers a range of lending solutions across residential and commercial finance. Its services include home loans, investment loans, refinancing, pre-approvals, commercial loans and SMSF lending.
Services
- Home Loans
- Investment Loans
- Refinance
- Pre-Approval
- Commercial Loans
- SMSF Loans
The business is led by director Andrew Hadjidemetri and has grown rapidly in recent years.
Today, the firm is regularly recognised through industry awards and broker rankings, both in Sydney and nationally.
One of the firm’s advantages is that every loan application receives director-level oversight from Andrew. The team assists borrowers with lender selection, loan structuring and managing the application process from submission through to approval.
AFMS Group has access to 45 lenders, which gives borrowers a broad range of loan options to compare. The brokerage also has a strong customer review profile, maintaining a 5.0-star average rating across more than 800 online reviews, including over 470 Google reviews.
Awards & Achievements
♦ 2025: Small Business Champion – Finalist
AFMS was a finalist in the Small Business Champion awards, reaffirming its excellence in business performance.
♦ 2025: AFG – Top 10 broker (National)
AFMS reached the National Top 10 brokers for AFG, proving its strength on a national scale.
♦ 2025: AFG – Top 5 broker (NSW)
AFMS once again ranked among the Top 5 AFG brokers in NSW, maintaining regional leadership.
♦ 2025: #1 NSW AFG broker in lodgements & settlements with Westpac
AFMS repeated its success as the #1 NSW AFG broker for Westpac lodgements and settlements.
♦ 2025: MFAA – Customer Service Award – Individual
AFMS was a finalist for the MFAA Customer Service (Individual) Award, recognising its client-first focus.
Client Experience
What clients say about Australian Financial & Mortgage Solutions
Excellent knowledge of the current lending landscape and best deals available for individual's circumstances. Andrew and team are enthusiastic, very responsive and wants to achieve the best outcomes for his clients.
As first home buyers, I could not recommend Andrew & the team more. They made every process so smooth and simple for us. They supported us and answered any questions we had, and were always happy to help. We never felt pressured and always felt informed when making decisions
Could not recommend Andrew and the team highly enough! He made the process of buying our first home so smooth and was there to help us every step of the way.Highly available, communicative, knowledgeable, friendly and full of great tips! Thank you
Catalyst Advisers
- 5.0
- 70+ lenders
- Residential, Commercial, Business Lending, Asset Finance
Why Choose Catalyst Advisers
Strategy-led advice
Focused on long-term outcomes, not just the loan.
Experienced team
Strong expertise across residential, commercial and complex lending.
Tailored solutions
Finance structured to suit your goals and financial position.
Wide lender access
Access to major banks and specialist lenders for competitive options.
Proven with complex deals
Experienced in navigating non-standard and challenging scenarios.
Clear, straightforward process
No jargon. Clear communication from start to finish.
Adrian Lee came to broking after client advisory and executive roles at Macquarie Bank, X Inc and Finsure Group. He founded Catalyst Advisers and three related businesses alongside it: Catalyst Advice, Catalyst Private Capital and Catalyst Debt Capital.
Over twelve years he has put through more than $1 billion in residential and commercial transactions. The work runs from an ordinary home loan up through commercial property finance, development funding and corporate lending, and the interest is in the ones that need structuring rather than the ones that do not.
Awards and Achievements
- National Broker of the Year – Winner 2025
- Top Brokerage 5+ Brokers – Winner 2025
- National Broker of the Year – Winner 2024
- Mortgage Professional Australia – Top 100 Broker 2025
- Mortgage Professional Australia – Top 100 Broker 2024
- Mortgage Professional Australia – Top 100 Broker 2023
Client Experience
What clients say about Catalyst Advisers
I had a great experience with Marcus. He is a very good communicator, knowledgeable, reliable and works hard for his clients.
Mitch and the team at Catalyst made the finance process seamless and easy from start to finish. They provided specialist knowledge on SMSF financing, provided several options with comparisons on not only rates, but features also, and were responsive throughout. I can't recommend these guys enough!
We were recommended to give Blake a call as he's the guy that makes things happen.. All i can say is WOW! Worked super hard for us to secure a business loan and refinance the house.Fantastic communication through the process! Would happily recommend him to anyone i knew. Thanks again Blake! regards Darren James
Roar Capital
- 5.0
- 30+ lenders
- Residential, Commercial, SMSF, Construction Finance
Why choose Roar Capital?
- 5-star Google ratings for relationship based service
- 30+ lenders on their lender panel
- Fastest turnaround times in the industry
Roar Capital works mostly on owner-occupier and investment purchases, comparing more than 30 banks and lenders.
The emphasis is on what happens before anyone starts inspecting properties: what you can actually afford, getting the paperwork in order, and finding the problems in a file early rather than the week before an auction.
Client Experience
- 5.0
- 45 lenders
- Residential & Commercial Lending Specialists, Investment Loans
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 covers home and investment loans, commercial finance, self-managed super fund lending, construction, bridging and development funding, with more than twenty years of combined experience across the team.
The less common files are where it gets interesting: Defence Home Ownership Assistance Scheme loans, guarantor structures and private lending. Every one of the directors has been named in MPA’s Top 100 Mortgage Brokers.
Awards:
- 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
Contact Details
Phone: 1300 112 448
Address: Suite 702, 418A Elizabeth Street Surry Hills, NSW, 2010
- 5.0
- 45 lenders
- Residential & Investment Lending, Refinancing & Debt Consolidation
Services
- Home loans
- First home buyers
- Property investment loans
- Non-Resident loans
- Expat loans
- Commercial loans
- Guarantor loans
- Self-employed loans
- Business finance
- Equipment finance
- Car loans
- Refinancing
- Debt consolidation
- SMSF loans
- Development/construction loans
- Specialist securities
- Medico lending
Loni Karabesinis started BFC Mortgage after training in accounting and financial planning, and it shows in how the loans get structured — for where a client wants to be in ten years, not only what clears this month.
Twenty years across the full range of lending, with a network of accountants and other professionals behind the file. Clients get walked through the reasoning rather than handed a recommendation.
Client Experience
Contact Details
Phone: 0403 355 224
Address: 1/225 Pacific Highway, North Sydney, NSW 2060
BE Astute
- 5.0
- 45 lenders
- Residential, Commercial & Asset Finance, Self Employed & Complex Lending
Why choose BE Astute?
- Tailored lending options for different financial situations
- User-friendly platform for comparing loan options & application
- Expert guidance on government grants for first-home buyers
- Award-winning team with industry recognition
BE Astute runs a comparison platform borrowers can use to look at loan options themselves before speaking to anyone, with no fees added on top.
First home buyers are a particular focus, especially working out which government grants and schemes apply and what each one asks for. The team has been recognised with industry awards for the work.
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
Contact Details
Phone: 0452 555 777
Address: Brookfield Place, 10 Carrington Street Sydney NSW 2000
Home Loan Experts
- 4.8
- 50+ lenders
- Residential, Commercial, SMSF & Asset Finance
- Expat, Medical & Complex Lending Specialists
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 takes on the applications that get declined elsewhere. The panel covers both the major banks and specialist lenders, which is what matters when a file does not fit standard credit policy.
Rates are argued on the strength of the individual application rather than quoted off a sheet. It is one of the longer-established broking names in Sydney.
Client Experience
Disclaimer: OurTop10 provides general comparison information only. We do not guarantee service outcomes or suitability for individual circumstances. Users should conduct their own research and consider seeking licensed professional advice. Read our full methodology.
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Grade My Home Loan RateWhy choose a mortgage broker in Sydney?
High-density housing can limit your lender options
Census data shows 20-25% of Sydney’s dwellings are classified as high-density housing, the highest share of any capital city in Australia. Unfortunately, many lenders apply stricter lending criteria to apartments and units in high-density or inner-city postcodes such as Zetland, Mascot, Sydney Olympic Park and parts of Parramatta.
This is typically done to limit the lender’s exposure to specific buildings or locations where there may be concerns about oversupply, property values or resale demand. As a result, borrowing limits, deposit requirements and loan eligibility can vary significantly between lenders. A Sydney mortgage broker will know which lenders are comfortable financing properties in these areas and which are not.
Sydney’s property prices leave little room for error
The Cotality Home Value Index shows the median house price in Sydney is $1.5 million. Even with a 10% deposit, you’d still need to take on a mortgage of roughly $1.35 million.
At that level of borrowing, having a good broker will make a major difference. They can help secure a lower interest rate, structure your loan more effectively, and ultimately put you in a stronger financial position over the life of the loan.
For example, on a $1.35 million loan, a 0.25% difference in interest rate equates to roughly $2,619 extra in interest you’d pay per year, based on 6.00% p.a. Over the life of the loan, that’s a $78,570 difference.
Benefits of working with a Sydney mortgage broker
1. They have access to 100+ lenders and loan products
There are 130+ lenders in Australia, and brokers typically work with a panel that includes many of them — including the Big Four (Commonwealth Bank, ANZ, Westpac and NAB), as well as second-tier banks, credit unions and specialist lenders.
This gives you access to a wider range of loan options, not just those offered by a single bank. Loan products a broker can help you access include:
- Owner-occupier loans
- Investment loans
- Refinancing and equity release
- First-home buyer and guarantor loans
- Low-doc and self-employed lending
- SMSF and commercial property finance
2. They manage your loan application from pre-approval to settlement (and beyond)
A professional mortgage broker in Sydney will manage your home loan application end-to-end — from the initial Fact Find (where the broker will gather your info) and pre-approval, through to unconditional approval, settlement, and ongoing support, including an annual rate review.
Here’s what a broker will do:
- Explain complex loan terminology in plain English (e.g. loan-to-value ratio, LMI)
- Assess your borrowing capacity with multiple lenders
- Recommend the most suitable loan structure and product (and explain why)
- Negotiate directly with lenders to get you a better rate and loan terms
- Manage your application paperwork, follow-ups and lender communication
- Lock in pre-approval so you can confidently make offers on properties in Sydney
- Coordinate settlement directly with your lender and conveyancer
3. They will negotiate competitive rates and terms
Mortgage brokers have established relationships with lenders and their Business Development Managers (BDMs) through which they submit large volumes of business each year. In return, they get access to pricing, features and policy flexibility that aren’t available to walk-in customers.
This can include:
Interest rates below those advertised by lenders
Fee waivers on application or ongoing fees
Access to broker-only loan products
More flexible lending terms for specific borrower profiles
Cashback deals
4. They’re bound by a Best Interest Duty — legally on your side
Mortgage brokers are bound by a Best Interest Duty, meaning they’re legally required to put your interests ahead of the lender’s.
In practice, this means they must:
Compare multiple lenders and give you at least 3–5 suitable loan options
Avoid recommending unsuitable or unnecessarily expensive products
Prioritise loans that genuinely align with your financial situation and goals
Importantly, banks in Australia are not subject to the same Best Interest Duty. They can only recommend products from their own range.
5. They can help you navigate auctions, off-the-plan and other complex purchases
A broker will understand how lending rules intersect with auctions, off-the-plan purchases, strata properties, house and land packages, and the valuation quirks of different lenders. Our research reveals that 38% of homebuyers in Sydney and NSW speak to mortgage brokers about property advice as well as finance.
Which licences and accreditations do mortgage brokers need?
All mortgage brokers in Australia are bound by the National Consumer Credit Protection Act 2009 (NCCP Act) and regulated by the Australian Securities and Investments Commission (ASIC).
Mortgage brokers in Australia must:
- Hold an Australian Credit Licence (ACL) or be an authorised credit representative of one (often via an aggregator like Finsure or AFG)
- Meet minimum education standards (at least a Certificate IV in Finance and Mortgage Broking)
- Comply with the Best Interests Duty, which requires brokers to act in the best interests of the borrower
- Provide a Credit Guide outlining their services, commissions and any fees
You can verify a broker by visiting the ASIC Connect Professional Registers and searching their name or licence number to confirm they’re authorised to provide credit assistance.
Many brokers are also accredited members of the Mortgage & Finance Association of Australia or Finance Brokers Association of Australia, which require higher professional standards and ongoing education, often including a Diploma, although this is not a legal requirement.
Other factors to consider when looking for a mortgage broker in Sydney
How independent they are
Even with a large panel, it’s worth asking whether a broker sends a disproportionate amount of business to one lender. A good Sydney broker should clearly explain why a lender is recommended, not default to the same bank every time. A useful question to ask is how often they work with a specific lender and why. If the answer doesn’t stack up, it’s a red flag.
Read real customer reviews
Check independent platforms like Google Reviews and Trustpilot for consistent feedback on communication, speed and outcomes. Look for patterns, not one-off complaints or praise. Pay attention to the proportion of five-star reviews relative to total reviews, not just the overall star rating.
What’s their ownership structure?
Some Australian banks own stakes in brokerage firms, either as wholly owned subsidiaries or through significant investments. It’s worth checking whether a mortgage broker business is independently owned or bank-aligned. Ownership structure can influence lender choice and the range of loan options presented.
Need another real estate or property service in your area?
Check out the best Sydney service providers below:
Guides and tools before you call a broker
- How pre-approval works, with a readiness checker
- How to increase your borrowing capacity, with an estimator
- Fixed vs variable, with a comparison calculator
- Cash-out refinancing, with a usable equity calculator
- What a broker actually does, with a loyalty tax calculator
- Where Sydney house prices sit now, with a repayment calculator
FAQs about Sydney Mortgage Brokers
1. Do mortgage brokers charge fees?
Mortgage brokers generally don’t charge a fee for their service. Instead, they’re paid a commission by the lender once your loan settles — calculated as a percentage of the loan amount, plus a trail commission based on your loan balance while the loan remains in place.
These commissions are already built into the cost of the loan, which means you don’t pay more for using a broker compared to going directly to a bank.
While uncommon, some brokers charge a fee in specific or more complex scenarios, like:
Bridging loans
Certain non-standard or specialist loans
Highly complex lending structures (e.g. SMSF)
Any fees are assessed on a case-by-case basis. Brokers are legally required to disclose all fees upfront and clearly explain what each fee covers in their Credit Guide before providing a service.
2. Can a broker help with refinancing in Sydney?
Yes, a mortgage broker can help with refinancing in Sydney, particularly when it comes to using equity. Brokers know which lenders will allow equity releases of up to 80% without LMI, which banks are more flexible with cash-out or top-up refinances, and which lenders tend to deliver stronger valuation outcomes for Sydney properties.
Common Sydney refinancing scenarios:
Accessing equity for renovations (many homeowners have seen significant property value growth)
Your current rate sits well above market (0.50% or more higher).
Debt consolidation or restructure for tax purposes
Portfolio restructuring for investors with multiple properties
Switching to access better features like offset accounts or flexible repayments
Rate arbitrage if you’ve been with the same bank for 3+ years
Our analysis of ABS data found that around 75,000 Sydney refinances were handled by mortgage brokers last year alone. This means almost three in four Sydney refinances went through brokers.
“This estimate is based on ABS refinance data, Sydney accounting for roughly 66% of NSW activity, and mortgage brokers handling 77% of all home loan refinances.”
3. Can a broker help a first-home buyer buy in Sydney?
A broker can help first-home buyers access a range of loan options, including low-deposit loans, guarantor loans, First Home Guarantee (FHBG) loans, and lenders participating in the Help to Buy scheme. They’ll also guide you through government incentives you may be eligible for — like the $10,000 First Home Owner Grant in NSW and stamp duty concessions. They’ll explain how these work alongside different lender policies.
4. What suburbs do Sydney mortgage brokers service?
Most mortgage brokers in Sydney service clients across the entire metropolitan region, including inner city spots, suburban locations and major growth corridors.
Common areas serviced include:
CBD and Surry Hills
Eastern Suburbs (Bondi, Coogee, Randwick)
Inner West (Newtown, Marrickville, Leichhardt)
North Shore (Mosman, Chatswood, Willoughby)
Northern Beaches (Manly, Dee Why, Mona Vale)
Western Sydney (Parramatta, Penrith, Blacktown)
Hills District (Castle Hill, Kellyville, Baulkham Hills)
South Sydney (Hurstville, Sutherland Shire)
Growth corridors (Marsden Park, Schofields, Leppington)
Brokers can work online, by phone or face-to-face, so location rarely limits access to their services.
5. Should I use an independent broker or a franchise?
Independent brokerages in Sydney often offer more personalised finance services and hyper-local property insights because they’re based here and know the lay of the land. This is particularly valuable if you’re taking on a high-LVR loan (e.g. first-home buyers), investing in property or buying in high-density or apartment-heavy postcodes.
On the other hand, franchise brokerages like Mortgage Choice or Aussie Home loans can offer scale, structured systems and established branding, which some borrowers like interstate buyers find reassuring.
6. Should I use Reddit for mortgage brokers recommendations?
Yes, Reddit threads can be helpful for unfiltered experiences with mortgage brokers in Sydney. You’ll often find peer-to-peer discussions and feedback you won’t find on traditional review sites. Some Reddit communities Sydney borrowers commonly use for broker recommendations include:
r/AusProperty – Focused on property investing, home buying and lending
r/AusFinance – One of Australia’s largest personal finance communities
r/Sydney and r/SydneyScene – Local Sydney communities where home buyers often ask for broker recommendations and share recent experiences
But, remember that the opinions of a few don’t always reflect the broader market or guarantee a broker is the right fit. Reddit has limits including:
Recommendations are anecdotal only and not comprehensive
Threads become outdated quickly as lender policies change almost every week
You can’t easily verify lender access, accreditation or current performance
Sydney property market update: October 2026
Property market snapshot October 2026: Greater Sydney
Property type | Median value | Quarterly change | Gross rental yield |
All dwellings | $1,198,596 | -4.9% | 3.4% |
Houses | $1,466,060 | -5.6% | 3.0% |
Units | $867,597 | -3.0% | 4.4% |
Source: Cotality Home Value Index, October 2026. Note: A dwelling includes both houses and units/apartments, so it’s measuring the combined residential property market rather than just detached houses. Gross rental yield is the annual rental income generated by a property expressed as a percentage of its value.
Top 10 Sydney regions by annual dwelling value change
Rank | Region | Median value | Annual change |
1 | Wollondilly | $1,145,585 | 2.0% |
2 | Wyong | $915,725 | 1.3% |
3 | Camden | $1,169,414 | 1.2% |
4 | Richmond – Windsor | $962,730 | 0.6% |
5 | Fairfield | $1,193,850 | -0.3% |
6 | Campbelltown | $955,028 | -0.5% |
7 | Blue Mountains | $981,137 | -0.7% |
8 | Auburn | $810,209 | -1.5% |
9 | Penrith | $1,021,576 | -1.9% |
10 | Mount Druitt | $927,509 | -2.8% |
Source: Cotality Home Value Index, October 2026. Note: A dwelling includes both houses and units/apartments, so it’s measuring the combined residential property market rather than just detached houses.