Sydney Services & Moving Here Mortgage Brokers

The 7 Best Mortgage Brokers in Sydney (2026)

Updated October 2026 · 7 picks

The best mortgage brokers in Sydney in 2026 include Shore Financial and Zippy Financial in North Sydney for investors and first home buyers, Home Loan Experts in Rhodes for self-employed, expat and harder cases, and Azura Financial in Double Bay for eastern-suburbs buyers. Mortgage Navigators has been in Earlwood since 1999.

How we chose

This is a shortlist of established Sydney mortgage brokers, not a ranking. Each one is currently trading, has its own website and either a published Sydney office or a clearly defined service area, and works with a broad panel of lenders. We mixed large national brands with independent brokerages, described each from what it says it does, and did not repeat their award claims as our own findings. Nobody paid to be included and there are no affiliate links.

Nothing here is financial or credit advice. Every broker must hold an Australian Credit Licence or be an authorised credit representative of a licensee — check the broker and the business on ASIC's professional registers (search "credit representative" or "credit licensee" at ASIC Connect) before you hand over documents, and check they belong to the Australian Financial Complaints Authority (AFCA).

More than seven in ten new home loans in Australia now go through a broker. A broker compares loans from dozens of lenders and handles the paperwork, and is usually paid a commission by the lender rather than a fee by you. Since 2021 brokers have had a legal duty to act in your best interests.

1. Shore Financial — North Sydney

A large North Sydney brokerage with a panel of 70-plus lenders and a free annual loan review.

Specialty Home loans, refinancing, investment loansBest for Owner-occupiers, refinancers and investors

Shore Financial is a North Sydney mortgage brokerage that says it has arranged more than $17 billion in home loans, with a lender panel of over 70. It positions itself on service — promising responses within hours — and runs a free annual review of each client's loan to check the rate is still competitive.

It suits busy professionals buying or refinancing in Sydney who want a broker that keeps watching their rate after settlement.

Good to know: Take up its annual review — lenders rarely cut existing customers' rates unprompted.

Level 16, 124 Walker Street, North Sydney NSW 2060

Google Maps Website

2. Zippy Financial — North Sydney

A property-investor-led brokerage founded in 2015 by a former banker.

Specialty Investment loans, first home buyers, expat and overseas buyers, self-employed, SMSFBest for Investors, first home buyers and expats

Zippy Financial was founded in 2015 by Louisa Sanghera after a 25-year career in banking and broking, and works from North Sydney with access to more than 60 lenders. The site says most of the team are property investors themselves, and Louisa also holds a real estate licence and has trained as a buyer's agent.

It is a good fit for investors building a portfolio and for expats or overseas buyers. For most home loans it charges you nothing, with lender commissions disclosed in writing.

Good to know: Investors: ask how a loan structure will affect your borrowing for the next purchase.

Level 6, 275 Alfred Street, North Sydney NSW 2060

Google Maps Website

3. Home Loan Experts — Rhodes

A Sydney brokerage known for complex cases: self-employed, low-doc, expat and non-resident loans.

Specialty Self-employed and low-doc loans, expat and non-resident mortgages, specialist lendingBest for Borrowers banks have turned down or who have unusual income

Home Loan Experts is headquartered in Rhodes with a branch in Gosford, and compares loans from more than 50 lenders. Its pitch is getting approvals where others fail: self-employed borrowers, low-doc loans, Australian expats and non-residents.

Its extensive online guides to lender policies are useful even before you call. Most clients pay nothing, though it says a fee can apply for complex loans.

Good to know: If a bank has already said no, tell it why up front — that's its speciality.

Suite 207, 3 Rider Boulevard, Rhodes NSW 2138

Google Maps Website

4. Azura Financial — Double Bay

An eastern-suburbs brokerage named Finance Broker Business of the year at the MFAA's NSW/ACT awards.

Specialty Home loans, refinancing, pre-approvals, investment lendingBest for Eastern-suburbs buyers, upgraders and investors

Azura Financial is a mortgage brokerage on Cross Street in Double Bay, and it has been named Finance Broker Business of the year at the Mortgage & Finance Association of Australia's NSW and ACT Excellence Awards. It offers loan health checks, pre-approval sense checks and suburb reports alongside standard home and investment loans.

It suits buyers and upgraders in the eastern suburbs who want a local broker who knows the price points and lenders' policies on high-value loans.

Good to know: Ask for a pre-approval sense check before auction season so you bid with confidence.

Level 2, 36 Cross Street, Double Bay NSW 2028

Google Maps Website

5. Mortgage Navigators — Earlwood

An inner-south-west brokerage helping Sydney buyers since 1999.

Specialty Home loans, investment loans, refinancingBest for First home buyers, families and investors

Mortgage Navigators has been arranging home loans since 1999 from its office on Homer Street in Earlwood. Its focus is helping everyday Australians build wealth through property. Its broker George Massouridis was named Residential Finance Broker of the year at the MFAA's 2025 NSW and ACT Excellence Awards.

It suits first home buyers and families in the inner south-west and St George area who want a long-established local broker.

Good to know: A good first call if you live in the inner south-west and want to meet face to face.

297-299 Homer Street, Earlwood NSW 2206

Google Maps Website

6. Aussie — Eveleigh (head office); stores across Sydney

The best-known broker brand in Australia, with stores and brokers right across Sydney.

Specialty Home loans, refinancing, investment loans, buyer servicesBest for Buyers who want a nearby store and a big-brand process

Aussie, now part of Lendi Group (which also runs the online broker Lendi), is one of Australia's biggest broking networks, with stores and mobile brokers across Sydney and its head office in the Locomotive Workshop at Eveleigh. Its brokers compare a broad panel of lenders.

It suits buyers who want a local store to walk into. Each Aussie store is run by its own brokers, so meet the person who will actually handle your loan.

Good to know: Prefer to do it all online? Lendi, its sister brand, runs the same process digitally.

Bay 14, Locomotive Workshop, 2 Locomotive Street, Eveleigh NSW 2015

Google Maps Website

7. Two Red Shoes — The Hills, Western Sydney and the Central Coast (mobile)

A mobile broker that comes to you across Western Sydney, the Hills and the Central Coast.

Specialty Home loans, refinancing, first home buyer loansBest for Families in the Hills, Penrith, Parramatta and the Blue Mountains

Two Red Shoes is a mobile mortgage broking business that meets clients at their home or office, at a time that suits them. It covers the Hills District, Parramatta, Penrith and the Nepean, the lower Blue Mountains, Hornsby, the Hawkesbury and the Central Coast.

It suits busy families in Sydney's west and north-west who would rather not travel into an office, and first home buyers who want time to talk the process through.

Good to know: Book an evening or weekend meeting at home — that's the point of a mobile broker.

Website

Frequently asked questions

How are mortgage brokers paid in Australia?

Usually by the lender, not you. Brokers receive an upfront commission when the loan settles (typically around 0.5–0.7% of the loan) and a small ongoing trail commission. They must disclose these in writing. Some charge a fee for complex or commercial loans — ask before you start.

Is a broker better than going straight to a bank?

A broker can compare many lenders, including smaller banks and non-bank lenders that may offer sharper rates or accept unusual income, and must act in your best interests. A bank can only offer its own products. If you already have a strong relationship and a good rate, ask your broker to compare it.

What help is there for first home buyers in Sydney?

The federal Home Guarantee Scheme lets eligible first home buyers buy with a 5% deposit and no lenders mortgage insurance, under price caps that are higher in Sydney than elsewhere. In NSW, first home buyers can also pay no transfer duty below a threshold and reduced duty above it. Eligibility rules change, so ask a broker to check you against the current ones.

Can I get a home loan in Sydney as a new arrival or non-resident?

Yes, but options narrow. Temporary visa holders and non-residents can borrow from a smaller group of lenders, usually with bigger deposits, and need FIRB approval to buy. Australian citizens living overseas (expats) can borrow too. Brokers such as Home Loan Experts and Zippy Financial advertise expat and overseas-buyer loans.

What is lenders mortgage insurance (LMI)?

LMI is a one-off insurance premium charged when you borrow more than 80% of the property's value. It protects the lender, not you, and can run to tens of thousands of dollars on a Sydney purchase. A 20% deposit, a family guarantee or a government guarantee scheme can avoid it.

1. Shore Financial — North Sydney

2. Zippy Financial — North Sydney

3. Home Loan Experts — Rhodes

4. Azura Financial — Double Bay

5. Mortgage Navigators — Earlwood

6. Aussie — Eveleigh (head office); stores across Sydney

7. Two Red Shoes — The Hills, Western Sydney and the Central Coast (mobile)

Frequently asked questions

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