The 12 Best Mortgage Brokers in Sydney

Doctors, dentists, lawyers, accountants and other professionals are the core clients of this Inner West brokerage, with a dedicated page for each profession. It arranges low-deposit and waived-LMI loans where eligible, alongside trust, SMSF, construction and self-employed loans. Members of the team have worked as bank loan assessors, and they compare more than 40 lenders. Brokers take calls from 8am to 8pm, seven days, which suits buyers who can only talk after work.

Borrowers with less common needs, such as reverse mortgages, construction finance or modular homes, have a wide product range to draw on here. The North Sydney brokerage works with a panel of more than 70 lenders. Clients hand over their information once and the broker handles the paperwork, with brokers available seven days a week. A free annual loan review checks whether the rate is still competitive long after settlement.

Families who want their mortgage and wider finances handled under one roof will find that combination at XIN. Alongside home loans for first buyers, investors and refinancers, the group arranges SMSF, car and commercial finance. A sister business, XIN Wealth, offers financial planning, family protection and education bonds. With branches in North Sydney, Chatswood, the CBD and Penrith, clients across the city can meet a broker close to home.

Buyers who want the broker to stay involved through settlement and beyond will value MortgageWorks' structured process. The Surry Hills firm follows six stages from discovery to a post-settlement review, and liaises with your conveyancer or solicitor before settlement. Its panel covers more than 40 lenders, with loans ranging from home and investment to construction, deposit bonds and solar. The review stage re-checks the rate periodically, so the loan does not drift above the market.

First home buyers and self-employed borrowers who want a clear view of costs suit AFMS Group. The Martin Place brokerage charges no consultation or brokerage fees on residential loans and discloses its lender commission upfront. Principal broker Andrew Hadjidemetri leads a small team working with more than 30 lenders, from major banks to mutuals. Applications are lodged within 24 hours of receiving documents, which matters when a pre-approval deadline is close.

Borrowers who want plain answers on cost will appreciate how openly this family-run broker explains its pay. Operating since 2017, it spells out its pay: an upfront lender commission of about 0.65% of the loan, received after settlement. Each application is fully assessed before lodging, and clients choose between three matched lender options. Reviews every six months after settlement keep the rate under watch.

First home buyers and self-employed applicants looking for a low-deposit route are the main clients here. The Barangaroo brokerage arranges guarantor loans, 95% loans with LMI waived for eligible borrowers, low-doc loans and pre-approvals. It charges no broker fees and compares more than 40 lenders. Every six months, the team reviews each loan and asks the lender for a discount, which stops existing borrowers sliding onto an uncompetitive rate.

Investors building a portfolio and borrowers over 55 find a wider range than usual at this brokerage on the CBD fringe. Founder Chris Raymond has 18 years in the industry, and the team handles trusts, SMSF lending and cross-collateralised structures as well as equity release and retirement mortgages. Consultations run from 8am to 8pm, seven days, in person or by video. Pre-approvals typically arrive within two business days, depending on the case.

Self-employed borrowers, business owners and medical professionals with less straightforward finances are a natural fit here. Led by managing director Aaron Christie-David, the brokerage has a Pitt Street office and another in Woonona, near Wollongong. Its range runs from first home and investment loans to commercial property, renovation loans and home loans for over-60s. After settlement, loans are reviewed every six to twelve months, with help on offset accounts and refinancing.

Borrowers who care more about loan structure than the headline rate suit Rateseeker's strategy-first approach. The Clarence Street brokerage follows a three-step model of discover, design and deliver, and compares more than 40 lenders including non-banks. Applicants with a patchy credit history can be matched with specialist lenders. After settlement, an annual review and help with top-ups keep the loan aligned with changing plans.

Borrowers who have been turned down elsewhere, from the self-employed to expats and people with credit problems, are the focus here. The Rhodes brokerage has dedicated loan pages for low-doc, bad credit, non-resident and unusual employment cases, and a panel of more than 50 lenders. Lenders pay its commission, though complex scenarios can carry a fee. A home buyers course and more than 15 calculators help first-timers prepare before applying.

Lawyers, barristers and other legal professionals are the only clients of this brokerage, which builds its service around legal careers. Loans cover first homes, upgrades, investment purchases and refinancing, with a dedicated stream for barristers. Through a panel of more than 30 lenders, eligible lawyers can buy with a 10% deposit and access discounted rates. Law firms can also offer the service to their employees through a staff benefits program.