The 5 Best Mortgage Brokers in Sydney Who Can Simplify Your Loan Process
Rising property prices, changing interest rates, and confusing loan terms are just some of the challenges of having a mortgage.
And whether you’re a homebuyer or an investor, finding the right mortgage broker can feel just as overwhelming as choosing the property itself. Countless brokers with their “best deals” even make it harder to choose who really has your best interests at heart.
To help you cut through the confusion, we’ve carefully reviewed some of the best mortgage brokers in Sydney you can trust. See who made it to our top list below!
How much does a mortgage broker cost in Sydney?
A mortgage broker in Sydney costs nothing, but they get upfront commissions, which are typically between 0.46% to 0.65% of the loan amount. They also have a trail commission, which is around 0.15% annually.
1. Unconditional Finance Mortgage Brokers Sydney
Address: Level 2/140 William St, Woolloomooloo
Contact Details: 1300484390
Operating Hours: Monday – Friday: 8:00 AM – 6:00 PM
Unconditional Finance Mortgage Brokers Sydney impressed us with their award-winning mortgage brokers. They’ve won various awards, like the 2024 NSW Broker of the Year by Specialist Finance and many more.
What’s especially reassuring is that they have experienced senior mortgage brokers and not just junior loan consultants. This level of expertise really shows when handling complex lending scenarios and navigating strict lender policies.
Their range of loan products is also impressively comprehensive. In addition to standard home loans, they also offer trust loans, business loans, and renovation loans.
One client we talked to even shared that Unconditional Finance helped him settle 15 loans, including a mix of equity releases and mortgages. Despite the complexity of the structure, the brokers were able to strategise effectively and deliver results.
We also find their custom loans very helpful for borrowers who don’t fit the typical borrower profile, such as self-employed individuals or those with complex income structures.
That said, we find their response rate via phone and email disappointing. They’re quite slow, especially for initial consultations. We recommend visiting their office for a quick response.
Proactive team
“Will & UF team went above and beyond at every step, especially when everything needed to move fast. Will’s communication was outstanding — always proactive, always clear, and always available by SMS or email whenever I needed answers. Even when the banks made things more difficult than usual, Will stayed on top of it all and got the deal done. I honestly can’t recommend him highly enough — without a doubt one of the best mortgage brokers I’ve worked with over the years.”
-Ms. Cyril Sansano, Google Review
Helpful and supportive
“Joel, Tori, and Nicole at Unconditional Finance were incredibly helpful and supportive for us as first home buyers. With no knowledge of any of the processes involved with applying for a mortgage, they were extremely attentive and knowledgeable, allowing us to glide through the process without any issues whatsoever. They were also able to assist us with finding a great conveyancer! The whole team was very friendly, relaxed, and ready to answer any of our questions. We highly recommend Unconditional Finance to anyone looking for a mortgage broker, will definitely be speaking to them again ourselves when the time comes!”
-Ms. Mary Elliott, Google Review
2. Mortgage Broker Sydney
Address: Level 11/65 York St
Contact Details: 1300983670
Operating Hours: Monday – Friday: 8:00 AM – 10:00 PM
When we asked local Sydneysiders about some of their trusted brokers, they pointed us to Mortgage Broker Sydney. This is largely due to its 20 years of experience in the industry.
With that kind of tenure, we believe they’ve already seen different market cycles and lending policy changes. That makes them well-equipped to guide borrowers through both straightforward and complex loan applications.
We also personally like their boutique-sized company. Unlike larger broker companies, Mortgage Broker Sydney’s size allows it to deliver a more personalised level of service.
The best part is that their mortgage services are free for their clients. You don’t have to worry about their fee since they earn through commission, directly paid by the lenders.
Apart from that, it’s good to know that they offer both home and commercial loans, making them a practical choice for both aspiring homeowners and entrepreneurs.
Their brokers are also accommodating – the type of people you’ll not feel intimidated with. They answer questions politely and don’t make you feel rushed.
The only downside is that they have limited loan products (only home loans and commercial loans).
Exceptionally helpful
“As a first home buyer, I had a lot of questions throughout the process, and Michael and Wendy were exceptionally helpful! They were always quick to respond, incredibly patient, and explained everything clearly and concisely, which made the whole experience far less stressful. I couldn’t recommend them highly enough.”
-Mr. Chris Bedford, Google Review
Comfortable and reassuring broker
“Laura was recommended to us by friends, and we are so glad we had her as our mortgage broker. From the very first moment, it felt completely comfortable and reassuring. It was our first time buying a home, and Laura patiently explained everything to us in great detail. She was also amazing in terms of availability, always willing to schedule calls at times that suited us and responding incredibly quickly, even outside office hours. She took so much of the stress out of the process and really went the extra mile to make sure we felt confident every step of the way. Thanks to Laura, buying our first home turned into a truly positive experience. We can wholeheartedly recommend Laura and Mortgage Brokers Sydney 100%”
-Mr. Ron Van Den Boogaard, Google Review
3. Lionel Finance
Address: Level 45/680 George St
Contact Details: 1300546635
Operating Hours:
- Monday – Friday: 9:00 AM – 7:00 PM
- Saturday: 9:00 AM – 1:00 PM
Lionel Finance got us because of their attractive multiple loan products, including construction loans, foreign loans, and private equity loans.
Since they have a wide range of loan products, they’re perfect for different types of borrowers. Be it a first-time homebuyer or a developer, we have high hopes they’ll entertain you.
It’s also worth mentioning that they have other services, such as debt negotiation and insurance solutions. That makes them really helpful if you’re looking for more comprehensive financial support beyond just securing a loan.
We also commend their communication. They follow up promptly, making sure that you’re on track with your loan application and process.
They’re also accommodating. A client with a night shift schedule shared that the team adjusted their schedule to accommodate her schedule so they can process her multiple loans.
However, note that they’re only a small team, so their availability may be more limited.
Patient team
“I’d like to extend a heartfelt thank you to Lionel for guiding me through the entire process with patience, clarity, and genuine care. From day one, he took the time to walk me through every step, making sure I fully understood what to expect and what would come next. I truly appreciate how dedicated he was, always on top of timelines, following up promptly, and ensuring that everything stayed on track. His hard work, and steady support made what could have been a stressful experience feel quite smooth and manageable. Thank you, Lionel (and team) for holding my hand throughout this journey and for making the whole process easier. :)”
-Mr. Andy FP, Google Review
Fantastic experience
“Working with Lionel has been a fantastic experience. He guided me through multiple loans with professionalism, patience, and genuine care. What really stood out was how accommodating he was with my night shift schedule, making everything easy and stress-free. I couldn’t recommend him more highly!”
-Ms. Ma-annjit Singh, Google Review
4. Black and White Finance
Address: Suite 404/65 York St
Contact Details: 0448890186
Operating Hours: Monday – Friday: 8:00 AM – 5:30 PM
Black and White Finance earned its place on our list thanks to its solid eight years of industry experience. Operating since 2017, the firm has had ample time to adapt to changing market conditions and evolving lending policies.
It’s also worth highlighting that their owners are experienced mortgage brokers themselves – not just administrators. That means you get guidance directly from people who know the ins and outs of the industry, from requirements to structuring loans.
One key advantage that stood out during our research is their strong focus on first-home buyer loans. Since they know how to help newbies learn more about deposits, grants, and lender requirements, you’ll have a less stressful journey.
Their service offerings are also well-rounded. They cover refinances, purchases, and low deposits. They give clients different options, whether they’re buying or upgrading a property.
When it comes to their lenders, they don’t fall short as well. They have access to 30+ lenders – meaning you can choose one that truly fits your needs.
The only downside? We find their mortgage brokers very limited (fewer than five on the team).
Great communication
“I had an excellent experience working with Peter and Karen at Black and White Finance. They were both incredibly professional, prompt and efficient throughout the entire process. Their clear communication made everything smooth and stress-free. My loan was finalised within a matter of a few weeks. I truly appreciate their hard work and high level of service. Highly recommended!”
-Ms. Sara A., Google Review
Very helpful
“I recently completed my home purchase through Black and White Finance, and Michael and Peter were absolutely fantastic to work with. Their communication was great – always quick to respond to queries and proactive in keeping us updated throughout the entire process.
Michael was very helpful from day one, patiently explaining each step and promptly following up whenever we had questions. What impressed me most was their reliability – they consistently delivered on their word and timelines.
If you’re looking for a mortgage broker, I’d highly recommend giving Black and White Finance a call to see if they can assist you.
Looking forward to working with them again in the future. Thanks!”
-Mr. Stefanus Zhang, Google Review
5. Principal Mortgages
Address: Level 5/20 Bond St
Contact Details: 1300889027
Operating Hours: Monday – Friday: 9:00 AM – 5:00 PM
Principal Mortgages is another company we found with impressive experience. They have 16 years of experience in the mortgage industry, helping clients with different backgrounds.
On top of that, their panels of lenders stood out to us. They have Citibank, Homeside, and Suncorp Bank, to name a few.
This is also why we think they’re a great choice – it means you can find competitive rates that fit your needs. So, regardless if a home loan or refinancing, they can provide you with different loan options.
They’re also known for negotiating lower rates. In fact, a client mentioned that the team facilitated a lower interest for him and advised him on the most appropriate mix of fixed and variable rates.
Another thing we love about this company is its responsive team. Clients said that they communicated clearly and kept them updated every step of the way, making the whole process efficient and stress-free.
They do offer other loan products, but we think that they’re more specialised and focused on home loans. That being said, we think that their expertise and advice are particularly strong for clients looking to buy or refinance in residential properties.
Excellent experience
“We had an excellent experience with Principal Mortgages. Shaun was the ultimate professional from start to finish — incredibly responsive, proactive and completely on top of every detail. As first-home buyers, the process can be stressful, but Shaun and his team handled everything seamlessly, secured us a great rate, and genuinely took the pressure off at every step.
The level of service was outstanding, with near around-the-clock availability to make sure everything ran smoothly and on time. We couldn’t recommend Shaun and the team highly enough and will absolutely be using Principal Mortgages again for future transactions.”
-Mr. Tom Presto, Google Review
Confident and proactive
“I was really impressed with Shaun’s goal-oriented and practical approach in helping me secure my home loan. My situation wasn’t straightforward, but Shaun was confident, proactive, and focused on finding the best solution. While three other brokers were competing for my business, Shaun and his team were miles ahead — they delivered the best loan option on the market in record time. Highly recommend Shaun to anyone looking for a professional, reliable, and results-driven broker, especially if your case is a bit more complex.”
-Mr. Leon Stejko, Google Review