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 2025. 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 2025
#1. Eden Emerald Mortgages
Verified User Reviews
Choosing Eden Emerald Mortgages was the best decision I made during my home-buying process. The team was incredibly knowledgeable and made sure I understood every step. They found a mortgage rate that worked wonderfully with my budget. I truly felt they had my best interests at heart.
I can't recommend EE Mortgages enough! Shaun was professional, responsive, and genuinely caring. He helped me navigate through various loan options and secured a fantastic rate for me. The whole experience was seamless and stress-free.
EE Mortgages provided exceptional service from start to finish. Shaun's attention to detail and proactive communication made all the difference. He not only helped me secure a great mortgage but also educated me on each part of the process. It’s clear that EE Mortgages are leaders in their field.
The team at EE Mortgages went above and beyond to ensure I got the best possible deal. Their expertise and dedication were evident as they carefully worked through my financials. I felt supported every step of the way and am thrilled with the results.
Fantastic service from EE Mortgages! They were patient, thorough, and extremely helpful. They worked around the clock to get me a mortgage that suited our needs, showing true dedication to their clients. Highly recommend them to anyone looking for a trusted mortgage broker.
Eden Emerald Mortgages made buying my first home an enjoyable experience. Shaun and his team was always available to answer my questions and made sure I got the best rate on the market. Their professionalism and expertise are second to none.
I was very impressed with the personalised service I received from EE Mortgages. They took the time to understand my unique situation and tailored their approach accordingly. The process was transparent, and I got a great fixed rate on my home loan.
EE Mortgages is fantastic. They were quick to respond, detailed in their explanations, and refinanced my loan extremely quickly. The interest rate I received was much lower than my previous bank, saving me tens of thousands of dollars over the life of the loan. The level of care and expertise they offer is unparalleled in the industry.
As a self-employed individual, I was worried about getting a mortgage. Eden Emerald Mortgages found the perfect loan for me and handled everything with utmost professionalism. They truly understand the market and work to meet individual client needs.
The team at EE Mortgages are true professionals who prioritise customer satisfaction. They managed to negotiate a mortgage rate for me that I didn't think was possible. Their knowledge and efficient service have made them my go-to mortgage broker from now on.
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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 40 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 40+ lenders
- 5-star average Google reviews rating from plenty of satisfied customers
- 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
Contact Info
Eden Emerald Mortgages
Address: Level 5, 20 Bond Street, Sydney, NSW, 2000, Australia
Phone Number: 02 9188 9398
Website: eemortgagebroker.com.au
#2. Shaun Bettman (Principal Mortgages)
Verified User Reviews
Shaun was extremely helpful throughout the entire process, from running preliminary scenario all the way to the end for the final settlement and even beyond.
As a first home buyer we felt we were in good hands. Shaun was always very patient and available to answer all our questions. And we had many!
I’d would not hesitate a second to recommend Shaun to my friends.
If you're looking for sound advice and a broker who will work tirelessly to get you the outcome you're looking for, Principal Mortgages should be your go-to.
Shaun was an invaluable aid in the purchase of my first property. He took the time to go through all of my finances and recommended a really thoughtful loan amount as well as explaining other options.
He handled all of the bank paperwork very efficiently and the entire process required little effort from me - allowing me to focus on house hunting! Shaun was always happy to talk through or explain concepts that I wasn't familiar with, being my first purchase.
He also recommended a great conveyancing service.
I would 100% recommend Shaun without hesitation.
Incredibly easy to work with, Shaun is very charming and made the whole process very easy and straightforward, even with the occasional issue that cropped up. I know now that there was a lot of effort and hours to work with the banks. Much happier that we didn't need to do it! I highly recommend Shaun to anyone looking for a mortgage broker.
We had a fantastic experience with Shaun from Principal Mortgages.
He was always very quick to respond/assist (even taking our calls during his family holiday) and managed to secure a great rate for our home loan.
His advice was invaluable, and he went above and beyond by recommending some ancillary services that assisted us with our purchase. Highly recommended.
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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)
Verified User Reviews
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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)
Verified User Reviews
They listened to my needs and then created a package accordingly, not just following the standard procedures as most companies do.
Excellent Service. You found the best loan for us and really did your homework, with no stress on us. Thank you again.
Personally I found everything about Intelligent Finance professional and of an unbelievably high standard. You guys really left no stone unturned in getting me the best deal and helping me in anyway possible.
Always excellent service. Intelligent Finance took all concerns and hassles away from the loan process. Made it easy. Trustworthy and reliable.
Maintain the high levels of service and stay in touch with your customers, and I will always be a customer of yours. Intelligent Finance has been the first financial institution to find and fix an issue before the customer has rung to query the problem.
Intelligent Finance was always available for a conversation. The service felt very professional and you went out of your way to help correct a bank error.
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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)
Verified User Reviews
We had such a positive experience with 1st Street. Jeremy assisted us purchasing our first home in Sydney from start to moving in, he and his team made us feel relaxed and confident throughout the whole process. Any questions or concerns were followed up straight away. A reliable team that will guide you all the way. Thanks again for the great service!
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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 2025, 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.