Best Mortgage Brokers in Sydney

We reviewed 138 mortgage brokers to find the best in Sydney. If you’re looking for a broker near you, you’ll want to trust a Top Expert.

By Christian Sculthorp
Last edited on: February 23, 2024
We do all of the research, so you don't have to!

Finding the best mortgage broker is the first step to getting the best mortgage rates, especially when you can’t get a mortgage through an institutional lender. Mortgage brokers’ services are free in most residential real estate transactions – especially if you qualify through an institutional lender. 

We’ve reviewed the best mortgage brokers in Sydney to give you access to the best mortgage options and mortgage rates. See which ones made our list and why. 

If you’re moving house, also be sure to check out our top Sydney real estate agents and our list of the best Sydney removalists.

Top 15 Mortgage Brokers in Sydney

Choosing the best mortgage broker in Sydney means access to a reputable service from a knowledgeable expert in real estate transactions. We rated each of our Top Experts mortgage brokers according to the following:

Table of Contents
Eventus Financial Logo

1. Eventus Financial

Address:44 Slade Rd, Bardwell Park NSW 2207
Phone:1300 425 017
Reviews:5/5 ⭐ from 367 reviews across 2 profiles
Services:First Home Loans, Refinancing, Debt Consolidation, SMSF Loan

Eventus Financial is a boutique mortgage brokerage firm based in Sydney that has been providing financial services to clients Australia-wide since 2015.

The company offers a wide range of services, including home loan financing, investment, refinancing, debt consolidation, SMSF loans, and mortgage broking. Eventus Financial prides itself on its personalised service and its ability to find the best finance solution for each client.

The company’s team of experienced brokers has a deep understanding of the Australian finance market and can provide tailored advice to help clients achieve their financial goals. Alex Veljancevski, Eventus Founder and Director and a lending specialist himself, has been in the banking and finance industry for over 10 years. He was given the award Mortgage Broker of the Year in 2018 and 2020.

We have heard nothing but incredible things about Eventus. They are a great option for anyone looking for a mortgage broker in Sydney.

Customer Review Highlights:

“Alex from Eventus financial was absolutely incredible in making our dream of purchasing our first home achievable. Alex went above and beyond to assist with any queries we had along the home loan process and was always contactable and quick to respond to our many questions. Alex made us feel very informed and supported and the whole experience was seamless and extremely professional. Alex and the knowledge he holds is second to none and I will not hesitate to recommend his services to my family, colleagues and friends. Thank you again Alex for all of your passion and hard work to help us achieve our biggest goal, we are forever grateful.”

Shore Financial Logo

2. Shore Financial

Shore Financial Website
Address:Level 16/124 Walker St, North Sydney NSW 2060
Phone:1300 416 700
Reviews:4.9/5 ⭐ from 327 reviews across 2 profiles
Services:Refinancing, Commercial Loans, SMSF Loan, First Home Loans

Shore Financial is a team of experts in property finance with ties to the real estate industry throughout Australia.

Shore Financial is a major player in the financial world. They have built strong relationships with banks which allows them to offer their clients special benefits like customized pricing, character-based lending, and free upfront valuations as well as preferential service with 24-hour approvals.

Their specialties are financial planning, residential lending, commercial lending, personal and car loans, insurance, risk insurance, loans, and legal services. Shore Financial was founded in 2013 by Theo Chambers and is currently situated on Walker St, North of Sydney.

Customer reviews show that Shore really cares about their clients and goes above and beyond to help them find the right mortgage.

Customer Review Highlights:

“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, and I was confident I was in good hands. I’ve recommended Mitch to friends who have also had a great experience, and I will be returning in the future.”

Home Loan Experts Logo

3. Home Loan Experts

Address:Suite 207/3 Rider Blvd, Rhodes NSW 2138
Phone:1300 889 743
Reviews:4.6/5 ⭐ from 836 reviews across 2 profiles
Services:Home Loans, Refinancing

Home Loan Experts has been providing professional, customer-focused mortgage services since 2003.

It was started by Otto Dargan, an 18-year-old mortgage broker at the time. Otto built this company into one with access to many different types of loans for every type imaginable. Apart from the standard home loan applications, they also specialize in investment loans, non-resident loans, commercial and business lending, bad credit, low doc, and guarantor loans. With such, Home Loan has been recognized by several institutions and has received industry awards.

In 2022, they were recognized as the Best Customer Service and Best Independent Office for NSW in the Better Business Awards. Last year, they won two coveted awards from the Australian Mortgage Awards: Liberty Australian Brokerage of the Year and Commonwealth Bank Brokerage of the Year.

Customer Review Highlights:

“Excellent service! I live and work in the United States, and it had been very challenging for me to get a mortgage in Australia. Shane and team were very resourceful, diligent, and knowledgeable throughout the whole process. They made every effort to understand my circumstances and figure out the best path forward. They were always clear about what is possible and what isn’t given my circumstances, and I truly appreciated that. They made it happen, and have finally purchased my property. Thank you!”

SF Capital Logo

4. SF Capital

Address:Suite 603, Level 6/350 Kent St, Sydney NSW 2000
Phone:02 8004 1888
Reviews:5/5 ⭐ from 301 reviews across 2 profiles
Services:Home Loans, Refinancing, Commercial Loans, Private Lending

SF Capital has been building relationships with clients for almost 10 years now. They are a Mortgage Broking firm that is award-winning and specialises in servicing goal-driven professionals, property investors, and business owners, alike.

Their expertise is in residential and personal lending and commercial and development loans. For residential, they offer loan application assistance for first-time homeowners, bridging finance, restructuring loan portfolios, investment property portfolio, motor vehicle financing, and more.

For their Commercial & Development Lending, on the other hand, they assist property development financing, purchase of business premises, purchase or refinancing of multiple residential properties in one line, purchase of existing business or establishment of a franchise, asset financing, cash flow, and working capital financing. We think that SF Capital is the go-to in Sydney if you’re looking for a commercial mortgage.

SF Capital’s managing director is Tommy Lim. Lim is a member of the Commercial & Asset Finance Brokers Association (CAFBA) and an accredited broker with the Mortgage & Finance Association of Australia (MFAA).

Customer Review Highlights:

“The team at SF Capital helped me navigate through what was a terrible experience with another broker firm. What was initially a very difficult experience getting a home loan as a self-employed business owner, became much easier with the team at SF Capital taking the helm! They turned everything around and assisted me in getting across the line and securing my loan with a major bank. Big thanks to the team for helping me get my dream home! Highly recommended!!”

5. OneSite Finance

OneSite Finance Website
Address:505/50 Holt St, Surry Hills NSW 2010
Phone:1300 728 196
Reviews:5/5 ⭐ from 256 reviews across 2 profiles
Services:Home Loans, Equipment Finance, Refinancing

Since 2005, OneSite Finance has granted mortgage loans to more than 1,400 families around Sydney.

They work with more than 40 lenders and create well-structured mortgage loan plans that legally help their clients save thousands of interest fees and taxes. They are a Plan Australia Hall of Fame Member and have received multiple awards for customer service, values, and excellence in finance.

OneSite Finance observes an 8-step loan application and approval process facilitated by friendly and licensed Mortgage Brokers. To learn more about how much you can borrow from this company, you can contact them directly and attend their Free Home Loan Strategy Session.

Customer Review Highlights:

“Liz and the team at OneSite Finance are amazing! We have been clients of Liz since 2011, and she has helped us with both our home and all of our investment property loans, ensuring that we get the most competitive rate and the right loan structure. I’ve never met anyone as efficient and on top of things like Liz, and she is also incredibly lovely to deal with. I ALWAYS encourage friends and family to go to her when they are considering a new property, and they’ve all been so happy with her services as well. :)”

AusFinance Mortgage Brokers

6. AusFinance Mortgage Brokers

AusFinance Mortgage Brokers Website
Address:Suite 4 Level 1/97 Grafton St, Bondi Junction NSW 2022
Phone:1300 287 346
Reviews:5/5 ⭐ from 229 reviews across 2 profiles
Services:Home Loans, Refinancing

AusFinance Mortgage Brokers is a finance company that specializes in investment finance, home loans, first home buyers, commercial lending, refinancing, and development funding.

The company is situated at Grafton St, Bondi Junction, Sydney. AusFinance Mortgage Brokers was established in 2011. The company has a team of professional mortgage brokers who have many years of experience in the finance industry. AusFinance Mortgage Brokers has a wide range of products and services that they offer to their clients.

They are also able to tailor their products and services to meet the specific needs of their clients. As such, they were able to acquire a total record of $1 billion in settled loans for home loans alone.

Customer Review Highlights:

“My first home buyer journey with Aus finance has been an amazing one. Victor has been awesome. Giving me the best advice I could have and tailoring it towards my needs and financial situation. Walking with me every step of the way made navigating the complex home buying terrain so much smooth. Thanks to Rosetta who’s been an invaluable team member post unconditional loan approval and making sure I met everything related to settlement. I highly recommend AusFinance to everyone; especially people who are new to the real estate and mortgage borrowing market.”

Simple Easy Finance Logo

7. Simple Easy Finance

Simple Easy Finance Website
Address:Sydney, NSW
Phone:1300 103 998
Reviews:5/5 ⭐ from 202 reviews across 1 profile
Services:Home Loans, Refinancing
Simple Easy Finance is an award-winning mortgage broker that offers a straightforward approach to loan application and approval. If you’re looking for a stress-free mortgage experience, Simple Easy is surely one to consider.
They cater to first-time home buyers, property investors, and people who need home refinancing. They pride themselves on a 95% application success rate, with 98% of their clients receiving lower interest rates. Simply Easy Finance is located along York Street, and you contact them directly or send them a message online to request a free review.
You can get a comprehensive cash flow analysis, free property report, home loan health check, and ongoing support about your house with the help of their specialists.

Customer Review Highlights:

“The team headed by Richard at Simple Easy Finance has been phenomenal in their efforts to assist me in buying my home. Richard and Phong have been so patient and helpful. Made the process so seamless. Their proactive approach and always being “on top of things” and responsiveness are few things that stands them apart from the other providers. I strongly recommend using them! They are the best!”

8. iChoice

Address:343-347 Liverpool Rd, Strathfield NSW 2135
Phone:02 9743 0000
Reviews:5/5 ⭐ from 187 reviews across 2 profiles
Services:Home Loans, Commerical Loans, SMSF Loans, Self-Employed Loans
iChoice was founded in 2005 with headquarters in Strathfield, New South Wales.
They were recognized by MPA Magazine as the best non-franchised brokerage. They have created a niche for themselves in the Australian market, providing specific solutions and offerings to Australians who are employed within certain industries or professions. 
iChoice specializes in finding the best home loan rates, refinance an existing mortgage, new home purchase, investment loans, equity unlocking, commercial loans, interest rate discounts, business loans, and more.
Victoria, iChoice credit manager, has a proven track record of processing over $500 million in residential and commercial loans over the past 7 years. She was recognized as the Best Lending Administrator in NSW at CEA.

Customer Review Highlights:

“I wanted to thank the team at Ichoice-Jason, Jess and Victoria for their wonderful work recently in helping me refinance. Their knowledge, expertise, kindness and patience throughout the process was absolutely amazing and I can’t recommend the team more highly for the professional, diligent and outstanding service they provided for me. The team here are the absolute best in the business and I have recommended friends, family and members of my network to utilise their services at any time they need guidance and support!”

9. Simplify Finance

Simplify Finance Website
Address:Shop 1/1 Marshall Ave, St Leonards NSW 2065, Australia
Phone:1300 820 852
Reviews:5/5 ⭐ from 174 reviews across 2 profiles
Services:Home Loans, Commerical Loans, SMSF Loans, Self-Employed Loans, Asset Finance, Car Finance
Run by Applied Finance expert Fabio de Castro, Simplify Finance is a straightforward financial company that offers more than 300 loan products.
They’ve been advising clients and helping them get approved with the right loan for over 15 years and have been featured by various media agencies, including The Real Estate Conversation, Elite Agent, and Domain. In the field of mortgage, they assist in Australian expat home loans, first home loans, property investment loans, refinancing loans, commercial property loans, and SMSF loans.
You can access a free budget planner, repayment calculator, and stamp duty calculator on their website or contact them directly for a more in-depth discussion of your mortgage needs and situation.

Customer Review Highlights:

“Seamless, professional and stress free! I’d like to thank Fabio and his team for their hard work when I refinanced my investment property and did a title transfer over the Christmas/New Year holiday period. It was a seamless, streamlined process. I provided the documentation and they handled the rest. I’d definitely recommend Fabio and his team! This is the second time I’ve used them and I look forward to using their services in the very near future for my next property purchase.”

Atelier Wealth Mortgage Brokers Logo

10. Atelier Wealth Mortgage Brokers

Atelier Wealth Mortgage Brokers Website
Address:Currency House, Suite 2, Level 15/23 Hunter St, Sydney NSW 2000
Phone:02 4267 2652
Reviews:5/5 ⭐ from 148 reviews across 2 profiles
Services:Home Loans, Refinancing, Investment Property Loans, Equipment Finance
Atelier Wealth is a family-run mortgage brokerage and investment company that has qualified as a finalist in the 2022 Customer Service of the Year Award by the Adviser Australian Broking Awards and the Community Champion Award by the Mortgage & Finance Association of Australia Excellence Awards.
While they provide expert financial broking services to home buyers, owners, and property investors, they’re known for giving back to the community through their Home Loans for the Homeless Program, which provides shelter to underprivileged communities. For every client that signs with them, they grant housing access to one family for the next 30 days.
Atelier Wealth Managing Director, Aaron Christie-David, has been featured in several financial podcasts and media outlets for his knowledge and expertise. You can access competitive mortgages and well-structured loans by contacting them directly.

Customer Review Highlights:

“My wife and I have worked with Aaron and his team at Atelier to secure home loans and mortgage review options for years and cannot recommend them highly enough. The Atelier team have always been super professional, responsive and worked hard and fast always with our best interests in mind. Well done Atelier on delivering on our most recent financial set-up and thank you again for all your support over the years!”

Talk To A Broker Logo

11. Talk To A Broker

Talk To A Broker Website
Address:Level 21/233 Castlereagh St, Sydney NSW 2000
Phone:1300 123 125
Reviews:5/5 ⭐ from 148 reviews across 1 profile
Services:Commercial Finance, Consumer Finance, Insurance
Talk to a Broker is a trusted finance brokerage that works with over 70 financial lenders. They offer commercial and consumer financing and easily connect loan applicants to the right lenders. 
From home loans to motor vehicle loans, boat loans, personal loans, capital loans, construction loans, agricultural equipment loans, and more, Talk to a Broker can help you access funds with friendly loan terms.
If you’re looking for more than just a mortgage, look to Talk a Broker. They can help with a lot more than just home loans.
This company is a member of the Commercial and Asset Finance Brokers Association (CAFBA), the Finance Brokers Association of Australia (FBAA), and the Australian Financial Complaints Authority (AFCA). You can find their office at Castlereagh Street, Sydney.

Customer Review Highlights:

“Extremely happy with my experience with this service! Alice is so lovely, she made my experience in purchasing my new car so quick and easy with minimal stress! She provided a number a options that were tailored to my circumstances which gave me the opportunity to choose what was best for me, she also assisted me from the start to end of the process. Alice was clear and concise in delivery of information, she always transparent meaning there were no hidden surprises post credit settlement. I highly recommend this service to anyone seeking finance and make sure you ask to speak to Alice! 😊”

Aussie Home Loans Carlingford Logo

12. Aussie Home Loans Carlingford

Aussie Home Loans Carlingford Website
Address:801 Pennant Hills Road, Shop/136 Carlingford Court, Carlingford NSW 2118
Phone:02 8832 0000
Reviews:5/5 ⭐ from 134 reviews across 2 profiles
Services:Home Loans, Refinancing
Aussie Home Loans was first launched in 1992 by John Symond. For 30 years, they have accumulated a total of $70 billion in loan books and have grown their network to 1000 brokers and 220 stores around Australia.
Aussie Carlingford in particular was franchised by Ziad Kalach, the current Principal of the Carlingford branch. He is fully accredited by the Mortgage & Finance Association of Australia or MFAA and is currently working with Aussie mortgage brokers who are likewise experienced and accredited. They offer assistance with home loans for property purchases like first home buyers, repeat home buyers, investors, upgrades, and extensions.
They also do refinances, commercial loans, land loans, construction loans, and insurance. They are located in Carlingford Court, 801 Pennant Hills Road, NSW but can arrange an appointment across the area.

Customer Review Highlights:

“Ziad and his team at Aussie Home Loans Carlingford had first helped me a few years back by refinancing my home loan. He had managed to secure a great rate for us and made the entire process seamless. Upon first meeting him I was very impressed by his dedication, professionalism, knowledge and honesty. He had gone over and above what I had expected and would always be willing to answer any questions that I had…”

Australian Financial & Mortgage Solutions Logo

13. Australian Financial & Mortgage Solutions

Australian Financial & Mortgage Solutions Website
Level 8/300 George St, Sydney NSW 2000
Phone:1300 659 756
Reviews:5/5 ⭐ from 129 reviews across 1 profile
Services:Home Loans, Investment Loan, Refinancing, Commercial Loan, Asset Finance, Pre-approval, SMSF Loan
Talk to a Broker is a trusted finance brokerage that works with over 70 financial lenders.
They offer commercial and consumer financing and easily connect loan applicants to the right lenders. From home loans to motor vehicle loans, boat loans, personal loans, capital loans, construction loans, agricultural equipment loans, and more, Talk to a Broker can help you access funds with friendly loan terms.
This company is a member of the Commercial and Asset Finance Brokers Association (CAFBA), the Finance Brokers Association of Australia (FBAA), and the Australian Financial Complaints Authority (AFCA). You can find their office at Castlereagh Street, Sydney.

Customer Review Highlights:

“Extremely happy with my experience with this service! Alice is so lovely, she made my experience in purchasing my new car so quick and easy with minimal stress! She provided a number a options that were tailored to my circumstances which gave me the opportunity to choose what was best for me, she also assisted me from the start to end of the process. Alice was clear and concise in delivery of information, she always transparent meaning there were no hidden surprises post credit settlement. I highly recommend this service to anyone seeking finance and make sure you ask to speak to Alice! 😊”

Ayers Financial Group Logo

14. Ayers Financial Group

Level 6/99 York St, Sydney NSW 2000
Phone:1300 097 676
Reviews:5/5 ⭐ from 127 reviews across 2 profiles
Services:Home Loans, Car Loan, Commercial Loan, Business Loan, Project Finance, SMSF Lending
Ayers Financial Group is one of the best mortgage brokers in Sydney and has successfully served more than 2,500 customers since it started.
They have 18 in-house mortgage and finance specialists who are skilled at navigating the loan process and connecting you to the right lenders and products. They work with 30+ lenders encompassing banking and non-banking institutions and provide expert advice on how to interact with the lenders, which loan products to go for, and what you can do to keep your interest rates low.
Whether you’re building a new home, starting a new business, buying a new car, renovating any of your properties, or purchasing investment products, the Ayers team can help you achieve your financial goals.

Customer Review Highlights:

“It was a very nice experience to have my loan handled by Cathy Huang. She was very professional and patient when walking me through each stages of the process. She was very accommodating to my busy schedule and occasionally took her time after business hours to have solid discussions with me. This showed that not only she was passionate about her job, but she really values her clients and wouldn’t hesitate to give me extra advice. I highly would recommend her to anyone!”

15. Koalify

10 Henrietta St, Waverley NSW 2024
Phone:0424 896 673
Reviews:5/5 ⭐ 
Services:Home Loans, Refinancing

At Koalify, the mission is clear and simple: streamline the mortgage process to ensure a seamless, stress-free journey for every client. This innovative brokerage combines the latest in technology with personalised, expert service to redefine the mortgage experience.

  1. Cutting-Edge Technology Meets Personal Touch: Koalify stands out by blending sophisticated technology with personalised service. This dual approach ensures efficiency and a tailored experience, making the mortgage process smoother and more accessible.

  2. Expert Guidance at No Cost: Koalify’s team of seasoned mortgage professionals is dedicated to providing expert guidance without any consumer fees. Their in-depth knowledge helps secure the best mortgage rates, ensuring you get top-tier service and advice at no additional cost.

  3. Tailored Solutions for Individual Needs: Understanding that every client’s financial situation is unique, Koalify excels in crafting customised mortgage solutions. Their commitment to personalisation ensures that your financial goals are at the forefront of their strategy.

  4. Transparency and Education: With a belief in the power of informed decisions, Koalify emphasises transparency and education. Clients are empowered with clear, easy-to-understand information, ensuring they’re well-equipped to make the best choices for their home financing needs.

  5. Impartial and Unbiased Advice: Koalify’s remuneration structure is designed to prioritise the client’s needs above all. By receiving a set commission directly from lenders and not charging clients, Koalify guarantees impartial advice, focusing solely on finding the best mortgage options for you.

In summary, Koalify is not just a mortgage brokerage; it’s a partner in your journey to homeownership. With its client-centric approach, commitment to transparency, and dedication to personalised service, Koalify is reshaping the mortgage landscape in Sydney, making it a top choice for anyone looking to buy or refinance a home. If you’re looking for a for a mortgage broker in Sydney then definitely check out Koalify.

Customer Review Highlights:

“I recently secured a mortgage through Koalify and was thoroughly impressed. Their team provided clear, expert advice tailored to my needs, making the process straightforward and stress-free. The best part? Their service didn’t cost me a penny. Highly recommend Koalify for anyone navigating the mortgage maze.”


With the right mortgage broker in Sydney, you could find better mortgage rates and enjoy faster approval processes to purchase the property you want. 

This completes our list of the best mortgage brokers in Sydney. We hope this helps you find the best broker to assist with your mortgage application.  


Working with a mortgage broker in Sydney could save you time and money. A mortgage broker could also have better access to more lenders than you have, and negotiate better rates.

Some Australian mortgage brokers may charge a fee but they must disclose their commission to you. While fees vary between brokers, the average commission rate is between 0.65-0.70% + GST.