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GREATER SYDNEY MORTGAGE & FINANCE BROKER

A Mortgage Broker Who Looks Past The Advertised Rate

The loan that looks cheapest may not fit your income, timing, or plans. We compare lender policy, fees, repayments, and loan features across a panel of more than 40 lenders, then manage the application through to settlement.
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Home loans, refinancing, investment, construction, commercial and asset finance.
Panel comparison · liveIndicative · Mar 2026
$750k
$250kDrag to re-rank the panel$2m
#Lender typeRateMonthly
Sharpest vs panel average$0 a year, on this amount−0.00%
40+Banks, non-banks, and specialist funders
48-HourTarget turnaround once you provide your files.
$0For standard residential home loans (the lender pays us).
MFAAAccredited finance professional.
WHY THE LENDING INSTITUTE

See the Reason behind Each Recommendation

A rate table cannot tell you how a lender will treat business income, rental income, existing debts or a tight settlement date. We do that work before we put an option in front of you.
Mortgage and finance broking
More than 7 years of experience
01

More than 40 lenders, not one bank

Our panel spans major banks, smaller banks, non-bank lenders and specialist funders. The shortlist depends on the loan and your verified information.
02

The full cost is shown

We compare rates with application, valuation, package, discharge and break costs, plus the effect of the loan term.
03

The file is checked before submission

Income evidence, liabilities, deposit or equity, security and timing are reviewed before the lender sees the application.
04

A broker owns the follow-up

We deal with lender questions, valuations and approval conditions, and keep you updated through settlement.
FROM FIRST CALL TO SETTLEMENT

Four Steps, with the Next Action Made Clear

You know what we are waiting on, who has the next action, and what could change the timing. The 48-hour submission target depends on receiving a complete and accurate file. Approval remains subject to lender assessment and criteria.
Stage 01 of 4

Set the brief

We talk through the purpose, amount, timing, income, deposit or equity, current debts, and any credit history you already know about.
Typical duration
Phone or video appointment.
Credit impact
Stage 1 of 4
We cover
  • —The rough numbers and required date
  • —Likely sticking points
  • —The information needed for a proper assessment
You bring
  • Approximate income and loan figures
  • Property or asset details, if known
  • Any deadline already in place
Book a broker call
FEES & COMMISSION

Know who pays us before you apply

Lenders usually pay a commission when a loan settles. Some work may attract a client fee, including certain commercial matters or valuation costs. Any client fee will be quoted in writing before you agree to proceed. Commission details will appear in the disclosure documents for your application.
01

Lender-paid commission

The amount can vary by lender and loan.
02

Client fees in some cases

The amount and reason are given in writing first.
03

No unapproved charge

You decide whether to proceed after reading the quote.
Read Our Credit Guide
LENDER PANEL

Over 40 lenders, one set of number

Our panel gives us access to different credit policies, documentation rules and price points. It does not include every lender in Australia. We will tell you which lenders we considered and why.
4
Major banks
Familiar brands with broad product ranges and established online banking.
4
Smaller and regional banks
Different policy settings and pricing that can suit particular borrower profiles.
4
Non-bank lenders
Another way to assess income, security or timing when bank policy does not fit.
4
Specialist lenders
For circumstances outside standard lending rules, often with different rates and fees.
Selected lenders on panel
Accreditations verified March 2026
Lender names shown are placeholders pending brand approval. Being on panel does not imply endorsement by that lender.
WHO WE WORK WITH

Borrowing Situations that Need More Than A Rate Search

The documents and lender rules change with the way you earn, own assets, and plan to use the funds.

Check whether switching is worth the cost.

We compare your current loan with staying put, repricing, and moving to another lender. The calculation includes the remaining term, discharge or break costs, setup fees and the total interest outcome.
Review My Current Loan →
We check
  • Current rate, balance and remaining term
  • Equity and usable borrowing capacity
  • Fixed-rate or package exit costs
  • The effect of debt consolidation on total interest
What happens next
    Borrowing power calculator

    What a lender will actually lend you

    Enter your net income and commitments the way a lender sees them. The estimate is assessed at your rate plus the 3% serviceability buffer, using the FBAA method.

    Borrowing power · liveFBAAMember calculator · Indicative
    01Your income
    Joint income
    Dependent children
    02Your expenses

    Using the lender benchmark of $3,150 a month — higher than the living expenses entered.

    03Your loan
    % p.a.
    Loan term
    You can borrow up to
    $567,000

    Assessed at 8.50% — your 5.50% rate plus the 3% buffer.

    RepaymentAt 5.50%
    Monthly$3,219.36
    Fortnightly$1,485.86
    Weekly$742.93
    Loan balanceBalance owingRepayments left
    $0$0$0$0
    Start of loanHover to scrub
    Balance$567,000
    Repayments left$1,158,970.91
    Check This with a Broker

    Calculator results are estimates only. They are not an offer of credit, pre-approval, or a recommendation. Actual borrowing capacity, repayments and costs depend on verified information, lender criteria, interest rates, fees and loan terms.

    BEFORE WE CHOOSE A LENDER

    Three Checks Before Your Application Reaches A Lender

    The same borrower can receive a different answer from two lenders because the policy, evidence, and cost calculation are different.
    01

    Can the income be verified?

    Payslips are only one form of evidence. We check tax returns, financial accounts, BAS, bank statements, rental income and other earnings against the lender’s rules.
    02

    Is the lender reading the file the same way?

    Policy differs on overtime, bonuses, business income, existing debt, rental income, trusts and property type.
    03

    Does the loan still stack up after fees?

    A lower rate can be outweighed by break costs, application fees, package fees, valuation costs or a longer loan term.
    Have Us Check the File
    YOUR BROKER

    Meet Milo Marinkovic

    Based in Greater Sydney, Milo works by phone, video and email, and speaks English and Serbian. Away from the desk, he follows cars and motorbikes.
    Speak with Milo

    Milo Marinkovic

    7+ YEARS' EXPERIENCE
    Finance and Mortgage Broker
    Milo has worked in mortgage broking for seven years, arranging residential, investment, construction, commercial, asset and personal finance. He spends much of his time on refinancing and on applications where business income, company or trust structures, or several existing debts need a careful read.
    Greater SydneyEnglish and SerbianRemote appointments
    COMMON QUESTIONS

    What borrowers ask before the paperwork starts

    If your question depends on your income, property, or timing, speak with a broker. A short conversation can be more useful than another generic calculator.
    Ask Your Broker →
    Fees depend on the work. Lenders usually pay mortgage brokers a commission for settled loans. A client fee may apply to some work, including certain commercial matters or valuation costs. If a fee applies, you will receive the amount and terms in writing before you agree to proceed.
    Our panel has around 40 lenders across major banks, smaller banks, non-bank lenders and specialist funders. It does not include every Australian lender. We will explain which lenders were considered for your application and why.
    Our working target is to submit within 48 hours of receiving all requested information. The lender controls assessment, valuation and approval timing. Raise any urgent date on the first call.
    Yes. We arrange home, investment, commercial and asset finance for sole traders, company and trust borrowers. The evidence depends on the lender and may include tax returns, financial accounts, BAS, bank statements and information from your accountant.
    Possibly. We compare the new repayment with fees, the new loan term and total interest. Moving short-term debt into a home loan can reduce the monthly repayment but increase the interest paid over time. Your home may also secure the consolidated debt.
    No. The application can be handled remotely by phone, video and electronic documents.
    A broker will call to understand the loan purpose, timing and rough numbers. If the request is worth examining, we send a fact-find and document list. Nothing is lodged with a lender until you see the recommendation and tell us to proceed.
    FOR THE FIRST CALL

    What to have nearby

    You do not need a complete application. A few rough figures will help us understand what needs to be checked.
    01

    Approximate income before tax

    ​
    02

    Current loan balances

    ​
    03

    Credit card limits

    ​
    04

    Deposit or usable equity

    ​
    05

    Property or asset price, if known

    ​
    06

    Required purchase or settlement date

    ​
    Book a Broker Call
    BOOK A BROKER CALL

    Bring the rough numbers. We will work out what is missing.

    You do not need a lender picked or a complete folder of documents before the first call. Tell us what you want to fund, what you earn, what you owe and when you need the money.
    Book a CallCall 1300 000 000
    No application on the first call
    We start by checking whether the request is workable.
    A document list for your file
    You collect only the items relevant to your income and loan type.
    A broker calls you
    Your enquiry goes to a lending professional.