Best Mortgage Brokers Sydney

Finding the right mortgage broker in Sydney can be the key to securing your dream home or investment property without any hassle. Sydney has a diverse property market and the highest median house price of any capital city in Australia, and this also means a large number of mortgage brokers. 

There are countless mortgage brokers in Sydney who offer a wealth of experience, extensive lender networks, and personalised service to navigate the complex world of home loans. In this article, we introduce you to the best mortgage brokers in Sydney in 2024. We have curated this list based on a combination of real reviews from verified users and our own personal experience testing out the brokers.

Each of the mortgage brokers in this list stand out for their exceptional customer service, depth of knowledge, and ability to secure the best possible mortgage deals for their clients. Whether you’re a first-time homebuyer, looking to refinance, or an investor seeking to expand your portfolio, the right mortgage broker can make all the difference in achieving your property goals with ease and confidence.

The Best Mortgage Brokers in Sydney 2024

#1. Eden Emerald Mortgages

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My Personal Experience

My experience with Eden Emerald Mortgages was extremely positive, and it is clear why they are ranked as the #1 mortgage broker in Sydney. From my first impressions, their team displayed an unmatched level of professionalism and expertise. The initial consultation was informative, and they took the time to understand my specific financial circumstances and long-term goals. This personalised approach made me feel valued and confident that I was in capable hands.

Eden Emerald Mortgages works with over 35 lenders and were able to secure the lowest possible rates, thanks to their longstanding partnerships. They spent time explaining the benefits and disadvantages of the most appropriate loan products for my needs, so I could make an informed decision.

One of the standout aspects of my experience was the proactive communication from EE Mortgages. They kept me updated throughout the entire application process, promptly addressing any questions or concerns I had. This level of attentiveness ensured that there were no delays or unexpected hurdles, and I managed to secure a mortgage much quicker than I anticipated.

I want to commend the efficiency of the team at Eden Emerald Mortgages, as they made the process of financing a home straightforward and stress-free. Their dedication to client satisfaction and commitment to providing personalised services truly sets them apart in the industry.

Key Points

  • Access the lowest interest rates from 35+ lenders
  • 100% free service with no hidden fees
  • Free friendly and personalised advice via phone or email
  • Established since 2007 and has serviced thousands of clients
  • Quick loan approval times

Phone Number: 1300 889 027

Website: eemortgagebroker.com.au

#2. Shaun Bettman (Principal Mortgages)

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My Personal Experience

Working with Shaun Bettman and his team at Principal Mortgages was an exceptional experience and I can see why they have a 5-star rating on Google, from over 120 reviews. Shaun is the founder and director of the company and he has over 20 years of finance industry experience, which shone through when it came to how knowledgeable and thorough he was with the mortgage broking process.

He spent time getting to know my financial situation and understood what I was looking for in a home loan. When we began the application process, he was comprehensive when detailing which documents were needed. His team was well-organised which meant my documents were assessed shortly after I submitted them, and I was given the options of several lenders with the lowest rates.

I could tell that he was tailoring the best home loan for my requirements, and he also provides financial planning and coaching services which I found incredibly useful. I was able to secure a great fixed-rate loan, with no issues at all. I am confident that Shaun and Principal Mortgages are able to help with your home loan too, as they have an incredible approval rate of 98.5%.

Key Points

  • 98.5% approval rate
  • 5-star Google rating from 128 reviews
  • No cost and no obligation
  • 24/7 support
  • Negotiate the best rates from lenders

Phone Number: 1300 889 027

Website: principalmortgages.com.au

#3. Mansour Soltani (Soren Financial)

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My Personal Experience

I had an excellent experience with Soren Financial, the #3 mortgage broker in Sydney. The director, Mansour Soltani, is known for his deep expertise in navigating first-home mortgages and complex refinancing scenarios, and this was evident as soon as I spoke with him. Together with his experienced team of advisors, he made my refinancing process extremely smooth. Soren Financial has access to 45 verified lenders which enabled them to offer a wide array of competitive options and low interest rates.

What truly distinguished Mansour's approach from other mortgage brokers was his unwavering commitment to understanding my individual financial goals, and I discovered that he applies this diligence to each and every one of this clients. Through Soren Financial's efficient 5-point approval process, clients receive personalised loan solutions that align with their long-term financial goals, highlighting their focus on customer service. 

I have refinanced several times in the past, but was very impressed by Mansour's ability to expedite loan approvals without compromising on quality or accuracy. Refinancing with Soren Financial was quicker than with any other broker I have worked with before. If you are in a rush to get a home loan approved, I would highly recommend speaking to Soren Financial.

The glowing 5-star rating on Google Reviews, based on feedback from over 70 satisfied clients, attests to Soren Financial's excellence in the mortgage brokerage sector. Mansour's professional qualifications and dedication to fostering lasting client relationships underscore the exceptional level of service he provides. As an accredited member of the FBAA and a licensed credit representative, he adheres to the highest industry standards, offering peace of mind to homebuyers navigating the complex mortgage landscape.

Key Points

  • 100% satisfaction guarantee
  • 5-star Google rating from 73 reviews
  • One of the fastest loan approval times in Sydney
  • Specialists in first-home mortgages
  • Better offers and lower interest rates

Phone Number: 1300 889 819

Website: sorenfinancial.com

#4. Justin Doobov (Intelligent Finance)

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My Personal Experience

I had the pleasure of working with Justin Doobov and his team at Intelligent Finance when I was navigating the task of securing a home loan for my brother. As a self-employed individual with a financial situation that didn't fit neatly into the typical borrower's box, my brother found the mortgage process to be overwhelming, to say the least. That's where Justin came in, turning what seemed like an impossible task into a manageable and successful endeavour.

From our first meeting, Justin's expertise in dealing with complex lending situations was evident. He took the time to understand my brother's unique circumstances, providing clear, personalised advice that made him feel at ease. What impressed me most was his ability to find lending solutions that catered specifically to my brother's needs as a self-employed borrower. Justin's knowledge of the industry and relationships with lenders ensured that we received the best possible loan terms.

Justin's dedication to his clients was further demonstrated by how he handled our case. He was always available to answer our questions, no matter how trivial, and kept us informed throughout the entire process. His commitment to transparency and communication made a world of difference, helping to alleviate the stress that comes with purchasing a home.

Perhaps the most telling example of Justin's impact was how he navigated the challenges presented by our financial situation. Despite the hurdles, Justin managed to secure a loan amount that surpassed our expectations. The personalised service we received, combined with Justin's unparalleled expertise in complex lending, transformed my brother's home-buying journey from a stressful ordeal into a rewarding experience.

Key Points

  • Over 400 loan products from 40+ lenders
  • Structure your loan the best way for your needs
  • Won many major industry awards
  • Also offer building and contents insurance 

Phone Number: (02) 9300 6699

Website: intelligentfinance.com.au

#5. Greg Bloom (1st Street Financial)

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My Personal Experience

When I started on the journey of finding a mortgage in Sydney's competitive housing market, Greg Bloom at 1st Street Financial was a beacon of clarity and expertise. His extensive background in finance and real estate, dating back to 2008, immediately set him apart. With degrees from prestigious universities and a career that spanned auditing, wealth management, and now mortgage brokering, Greg brought a wealth of knowledge and an understanding of the intricacies of finance that was both reassuring and enlightening.

What stood out about Greg was his personalised approach to mortgage brokering. He didn't just look for any loan; he sought out the right loan that fit my unique financial situation. As a Chartered Accountant, Greg's ability to demystify complex financial concepts and tailor a mortgage solution specifically for me was unparalleled. His dedication to understanding my needs and leveraging his vast network to secure favorable terms showcased his commitment to his clients' long-term financial health.

Choosing Greg Bloom and 1st Street Financial as my mortgage broker was a great decision in my home-buying process. His holistic approach, grounded in a deep understanding of the financial landscape and a genuine care for his clients, sets him apart in Sydney's mortgage brokering scene. For anyone navigating the vast Australian mortgage market, Greg's expertise and personalised service are invaluable assets that I highly recommend.

Key Points

  • Over 40+ lenders to access better rates
  • Quick and efficient service and advice
  • Reduce or waive upfront lender fees
  • 5-star Google rating from 60 reviews 

Phone Number: 1300 178 787

Website: 1ststreet.com.au

Frequently Asked Questions

How much does a mortgage broker cost?

In many cases, mortgage brokers are free for borrowers. Mortgage brokers typically earn a commission from the lender once the mortgage is finalised. However, some brokers might charge a fee directly to the client, especially for more complex financing solutions. It's important to ask your mortgage broker upfront about any fees or commissions involved so there are no surprises.

Should I buy a house now or wait till the market drops?

Deciding whether to buy a house now or wait for a potential market drop depends on several factors, including your financial readiness, market trends, interest rates, and long-term housing needs. While waiting might seem appealing in anticipation of lower prices, predicting market movements with certainty is challenging. If you're financially stable and find a property that meets your needs within your budget, it could be worth considering making a move now, especially with interest rates and your personal circumstances in mind. Consulting with a mortgage broker or financial advisor can provide personalised insights based on the current market and your situation.

What are the benefits of using a mortgage broker?

Using a mortgage broker offers several benefits, including access to a wide range of loan products from various lenders, which can increase your chances of finding a mortgage that best fits your needs at competitive interest rates. Brokers have expertise in navigating the mortgage process, saving you time and potentially money by negotiating better rates and terms on your behalf. They also provide personalised advice and handle much of the paperwork and communication with lenders, making the loan application process less stressful. Essentially, a mortgage broker acts as your advocate in the mortgage process, tailoring their services to your specific financial situation.

Conclusion

In the ever-evolving Sydney property market, the value of a mortgage broker lies not only in their understanding of financial products but also in their ability to personalise these solutions to individual client needs. The top mortgage brokers in Sydney in 2024, as showcased in this article, excel through their adept use of innovative technology, their bespoke approach to client service, and their strategic foresight in financial planning and wealth growth. Their expertise extends beyond securing competitive loans, emphasising long-term financial wellbeing for their clients.

Choosing the right mortgage broker in Sydney means partnering with someone who provides more than just access to attractive loan options; it means finding an advisor committed to your financial success. The brokers highlighted here stand out for their dedication to client education, their proactive strategies, and their focus on building enduring relationships.


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