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 ranking 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 100 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
OurTop10
Compare mortgage brokers in Sydney (Top 10)
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. Soren Financial
- 5.0
- 100%
- 45 lenders
- 24–36 hours approval
- Residential, Commercial, SMSF, Asset Finance, Private Lending
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
Soren Financial is a Sydney-based mortgage brokerage known for delivering clear, strategic lending advice across home loans, refinancing and investment property finance.
Led by Mansour Soltani, the firm takes a straightforward approach to broking. No jargon, no overcomplication, just honest advice and well-structured solutions that align with each client’s goals.
With experience across hundreds of lending scenarios, from straightforward purchases through to complex restructures and time-sensitive settlements, Soren Financial is trusted by clients who want clarity, responsiveness and results. The focus is not just on securing a loan, but on structuring it properly to reduce long-term costs and support better financial outcomes.
5-Point Approval Process:
- Long-term financial goals assessment
- Comprehensive lender panel evaluation
- Real-time loan application matching
- Data-driven shortlisting of top 5 options
- Complete home loan report within 24 hours
Client Experience
Contact Details
Phone: 1300 899 819
Address: Suite 1/225 Pacific Hwy, North Sydney NSW 2060
Current Offer:
Free 48-hour Home Loan Review
2. Approved Finance
- 5.0
- 99%
- 45 lenders
- 24–36 hours approval
- Residential, Commercial, SMSF, Asset 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
Contact Details
Phone: 1300 992 837
Address: 2/658 Pittwater Rd, Brookvale NSW 2100
Current Offer:
Free Home Loan Consultation
3. Catalyst Advisers
- 5.0
- 100%
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.
Catalyst Advisers is a specialist finance brokerage focused on delivering strategic, tailored lending solutions across residential, commercial and more complex scenarios.
The firm takes an advice-first approach, working closely with clients to understand their broader financial position and structure lending that supports long-term outcomes. Whether it’s a straightforward home loan or a complex transaction, Catalyst Advisers is known for clear guidance, strong lender relationships and consistent execution.
The business is led by Adrian, who brings over a decade of experience across property and financial services, with roles spanning client advisory and executive management at Macquarie Bank, X Inc and Finsure Group. He is also the founder of Catalyst Advisers, Catalyst Advice, Catalyst Private Capital and Catalyst Debt Capital.
Over the past 12 years, Adrian has facilitated more than $1 billion in residential and commercial transactions, giving him deep exposure across a wide range of lending scenarios. His expertise spans high-end residential and commercial property funding, corporate finance and development finance, with a strong focus on structuring complex deals and delivering strategic outcomes for clients.
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
Contact Details
Phone: 1300 411 455
Address: Level 4 2 Bligh Street Sydney NSW 200
Current Offer:
Free Home Loan Health Review
4. Roar Capital
- 5.0
- 100%
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
Contact Details
Phone: 0407 345 330
Address: 1/225 Pacific Highway, North Sydney, 2060
Current Offer:
Free Financial Health Check within 48 hours
- 5.0
- 100%
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:
- 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
Current Offer:
Free Consultation
6. Australian Financial & Mortgage Solutions
- 5.0
- 100%
Why choose AFMS Group?
Award-Winning Results: Recognised as an AFG Top 10 Broker nationally and Top 5 in NSW.
Flawless 5.0-Star Rating: Backed by over 800 perfect client reviews across Google and dedicated broker platforms.
Unrivalled Lender Access: We compare over 60 leading lenders to secure a genuinely competitive rate.
Rapid Turnarounds: We drive your application forward without delay to secure fast, confident approvals.
AFMS Group is a Sydney CBD-based mortgage broker providing a comprehensive suite of lending solutions across Sydney and NSW. Whether dealing with residential or business finance, the firm specialises in Home Loans, Investment Loans, Refinancing, Pre-Approvals, Commercial Loans, and SMSF Loans. Over the last few years, the firm has climbed the industry ranks incredibly fast. Today, they are continually recognised in industry awards and top lists as one of the best brokers in Sydney, alongside proving their strength on a national scale.
Services
- Home Loans
- Investment Loans
- Refinance
- Pre-Approval
- Commercial Loans
- SMSF Loans
Led by Director Andrew Hadjidemetri, the team skips the traditional bank runaround to make getting a loan fast, transparent, and completely stress-free. A key differentiator of the firm is that every single loan managed by AFMS receives director-level strategic oversight from Andrew, ensuring his deep industry knowledge is applied to every client’s application. Borrowers choose AFMS Group because they focus on what actually matters: great rates, rapid approvals, and doing the heavy lifting for you.
With a massive panel of over 60 leading lenders, AFMS Group does the shopping around to find a genuinely competitive rate. This consistent expertise is reflected in their track record: they maintain a flawless 5.0-star average rating backed by over 800 reviews across platforms, including 470+ on Google and 350+ specifically for Andrew on dedicated broker pages. They deliver straightforward results designed to get your loan approved promptly and with absolute confidence.
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
Contact Details
Phone: 1300 659 756
Address: Level 14, 5 Martin Place Sydney, NSW 2000
Current Offer:
Free Assessment
- 5.0
- 100%
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
Contact Details
Phone: 0403 355 224
Address: 34-36 Ralph St, Alexandria NSW 2015
Current Offer:
Free Assessment
8. BE Astute
- 5.0
- 98%
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
Contact Details
Phone: 0452 555 777
Address: Brookfield Place, 10 Carrington Street Sydney NSW 2000
Current Offer:
Free Consultation
9. Home Loan Experts
- 4.8
- 92%
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
Contact Details
Phone: 1300 889 743
Address: Suite 207/3 Rider Blvd, Rhodes NSW 2138
Current Offer:
Free Consultation
10. Shore Financial
- 5.0
- 98%
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
Contact Details
Phone: 1300 416 700
Address: Level 16/124 Walker St, North Sydney NSW 2060
Current Offer:
Free Assessment
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.
Submit one inquiry to OurTop10 Brokers
Why choose a mortgage broker in Sydney?
PropTrack Home Price Index shows the median house price in Sydney is $1.6 million. Even with a 10% deposit, you’d still need to take on a mortgage of roughly $1.44 million.
At that level of borrowing, having a good broker can 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 $1.44 million loan, a 0.25% difference in interest rate equates to roughly $2,760 extra in interest per year, based on 5.75% p.a. Over the life of the loan, that’s a $82,828 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. Some of the loan products a broker can help you access include:
- Owner-occupier and investment home loans
- Refinance options based on available equity
- First-home buyer products
- Home finance for self-employed individuals like low-doc loans
- Complex borrowers (e.g. bridging loans, reverse mortgage)
- SMSF lending
- Commercial property loans
Why this matters in Sydney:
Some lenders apply stricter rules to apartments and units in high-density or inner-city postcodes like Zetland, Mascot, Olympic Park and parts of Parramatta. This is typically to limit their exposure to specific buildings or areas, particularly where there are concerns around property values or resale demand. A local broker will generally know which lenders will still provide finance in these areas and which won’t.
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.
Along the way, your broker will:
- 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 always 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 have Sydney property market insights
A Sydney-based broker generally understands how lending rules intersect with local property dynamics; from apartments vs houses, to postcode-specific lending risk, valuation quirks and lender exposure limits.
Our research shows 38% of homebuyers in Sydney and NSW rely on mortgage brokers for general property guidance, not just finance. That local insight can be invaluable when you’re navigating auctions, off-the-plan purchases, strata properties or tightly held suburbs.
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 good 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.
FAQs about Sydney Mortgage Brokers
How much does a mortgage broker in Sydney cost?
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.
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.
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.
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.
Should I use an independent broker or a franchise?
Independent brokers in Sydney often offer more personalised service and insight into local property and lending policies. This is particularly valuable if you’re taking on a high-LVR loan (e.g. first-home buyers), investing in property, consolidating debt or buying in high-density or apartment-heavy postcodes.
On the other hand, franchise brokers can offer scale, structured systems and established branding, which some borrowers like interstate buyers find reassuring.
Should I use Reddit to find top mortgage brokers in Sydney?
Reddit threads (like r/AusFinance or r/Sydney) can be helpful for real, unfiltered experiences with mortgage brokers in Sydney. You’ll often longer-form discussions and candid feedback you won’t find on traditional review sites. But the opinions of a few don’t always reflect the broader market or guarantee a broker is the right fit for your circumstances.
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 Mortgage Broker Market Snapshot
Property Market: Greater Sydney
| Category | Metric | Figure |
|---|---|---|
| All Dwellings | Median Value | $1,241,054 |
| Houses | Median Value | $1,550,563 |
| Units | Median Value | $880,777 |
| All Dwellings | Quarterly Growth | 2.1% |
| All Dwellings | Annual Growth | 3.0% |
| All Dwellings | Gross Rental Yield | 3.0% |
| Houses | Gross Yield | 2.6% |
| Units | Gross Yield | 4.1% |
Source: Cotality (CoreLogic) Home Value Index, December 2025.
Strongest Performing Sydney Regions (12-month growth)
| Region | Annual growth |
|---|---|
| St Marys (Outer West) | 7.6% |
| Marrickville–Sydenham–Petersham | 7.6% |
| Mount Druitt (Blacktown) | 7.5% |
| Bankstown | 7.3% |
| Strathfield–Burwood–Ashfield | 6.5% |
Source: Cotality (CoreLogic) Home Value Index, December 2025.
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