Mortgage Brokers in Sydney
Local brokers who know the Sydney market. Compare over 28 lenders and get finance tailored to your property, your goals and your suburb.
Gateway Finance helps home buyers, investors and business owners across Sydney secure the right finance for their circumstances. From our North Ryde office, our brokers work with clients across the metropolitan area, comparing loans from over 28 lenders to find the best fit for each situation.
A local mortgage broker is a licensed credit professional who compares home loan options from multiple lenders on your behalf, understands the specific property market in your area, and manages your application through to settlement. Working with a broker who knows Sydney means you get someone who understands the nuances of lending on high-value properties, apartments in high-density postcodes, and the competitive landscape across the city's lenders.
Whether you are buying your first apartment in Chatswood, refinancing a family home in Ryde, or investing in the inner west, our team understands the lending landscape across Sydney.
Sydney Property Market
The Sydney property market is the largest in Australia, characterised by high median prices, strong competition for quality properties, and a wide range of property types from harbourfront mansages to high-density apartments. The market spans distinct regions, each with its own lending considerations, from the inner city and eastern suburbs to the north shore, inner west, and the growing corridors of the north-west and south-west.
Sydney's high property values mean loan sizes are typically larger than in other Australian cities, which makes interest rate competitiveness and loan structure especially important. Lenders also apply different criteria to apartments in high-density postcodes, properties above certain price thresholds, and properties in specific geographic zones. Local knowledge of which lenders are comfortable with particular property types and postcodes can make a real difference to your approval chances.
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If you are buying in Sydney, it is worth talking to a broker early. Some lenders have postcode restrictions for high-density apartment developments, and lending criteria can differ significantly for properties above certain values. We can identify which lenders on our panel will lend on your specific property before you make an offer.
Finance Solutions for Sydney Buyers
Every service Gateway Finance offers is available from our North Ryde office. Whether you are buying, refinancing or growing a business, we have a broker who can help.
New South Wales Stamp Duty and Schemes
As a New South Wales buyer, there are state-specific concessions and schemes that may reduce your upfront costs. The NSW government offers stamp duty concessions and exemptions for eligible first home buyers purchasing below certain thresholds, as well as a first home buyer assistance scheme that can apply to both new and established homes. There are also schemes for first home buyers choosing to build new homes.
For investors, NSW imposes a surcharge on stamp duty for foreign purchasers, and land tax applies to investment properties. Principal place of residence exemptions may apply if you are buying to live in.
Eligibility criteria, income thresholds and property price caps for these schemes change regularly. We recommend confirming current thresholds and your eligibility with a broker before making an offer, so you know exactly what concessions or obligations apply to your purchase.
Suburbs and Regions Covered
From our North Ryde office, we service clients across Sydney and the wider metropolitan area.
How it Works
We want to help you achieve your finance needs. Here is the process on how we get your loan approved quickly.
Initial discovery call
Chat with us to discuss your specific financial goals and dreams.
Research, Planning & Comparison
We work hard to present to you the best solution, lender and interest rate based off our initial discovery call.
Submit your application
We will help you complete all the necessary paperwork and requirements with your chosen lender to get your application sorted.
Ongoing Support
We will monitor your application and keep in touch along the way. We work behind the scenes to make sure everything is as smooth for you as possible.
Frequently asked questions
Common questions about buying and borrowing in Sydney.
How competitive are Sydney mortgage rates compared to the rest of Australia?
Sydney borrowers have access to the same lender panel as buyers anywhere in Australia, but the sheer volume of lenders competing for Sydney business can work in your favour. Because Sydney loan sizes are typically larger, even a small rate reduction can mean significant savings over the life of the loan. We compare rates across our full panel of over 28 lenders to find the most competitive offer for your specific loan size and circumstances.
Do Sydney lenders have different criteria for apartments versus houses?
Yes, many lenders treat apartments differently from freestanding houses, particularly for high-density developments, studio apartments, or properties above a certain size threshold. Some lenders restrict lending on apartments in postcodes with high concentration of units. We know which lenders on our panel are comfortable with apartment lending and can flag any restrictions before you commit to a purchase.
Can I use equity in my Sydney home to buy an investment property?
Refinancing your Sydney home to access equity for an investment purchase is a common strategy, and strong Sydney property values often mean significant equity is available. The amount you can access depends on your loan-to-value ratio, your serviceability across all debts, and the lender's assessment of your property. We can model your equity position and identify lenders likely to support your investment plans.
Are there stamp duty concessions for first home buyers in Sydney?
The NSW government offers stamp duty concessions and exemptions for eligible first home buyers purchasing below certain price thresholds. These can apply to both new and established homes. Eligibility depends on the purchase price, your income and whether you have owned property before. We recommend confirming current thresholds and your eligibility with a broker before making an offer.
How long does settlement take for a property purchase in Sydney?
A standard settlement in NSW is usually 42 days from the contract date, though this can be negotiated between buyer and seller. Your lender will need time to order a valuation, assess your application and prepare loan documents. Starting the finance process before you find a property, or at least before the cooling-off period ends, gives you the best chance of settling on time.
Ready to talk to a Sydney broker?
Book a free consultation with our North Ryde office. We will compare over 28 lenders to find the right finance for your Sydney property.