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We Do Homeloans – Exceptionally Well

Use A Trusted Mortgage Broker In Sydney
Enjoy the Peace of Mind That Comes With Expert Advice
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Moving House Loan
Get Peace of Mind Knowing You'll Have More Time
to Spend On What Matters Most to You
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Refinancing?
Save On Interest Rates and Lower
Your Monthly Payments
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First Home Buyers
We'll Expertly Guide You On What You Really Need to Know
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Self Employed Mortgage Broker
You Get Back to What You Do Best and We'll Handle the Financing
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Expert Investment Property Mortgage Broker
Discover How To Avoid the Mistakes Most Make
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Discover How to Find the Best Mortgage Broker in Sydney Service -
We Provide Easy and Fast Professional Mortgage Advice for Free

5 gold stars - -
Simon P.
Simon P.
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Very competent organization. Wonderful service and superior knowledge. Our experience obtaining financing for a property was a genuine pleasure. They told us exactly what we needed for the fast processing of the loan application. Everything from start to finish was handled by them professionally and efficiently, saving us time and money.
Madelene S.
Madelene S.
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David is wonderful to deal with and goes above and beyond to assist during the process. I would never use anyone else! I highly recommend David, he made every process seamless.
Matt D.
Matt D.
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David streamlined the whole process from start to finish with periodic updates to notify me of the progress & ensured I understood all the information/documents once my application had been approved. I would highly recommend David's services to anyone as he not only knows his stuff but also has a high customer satisfaction focus. I thank you David for the experience & look forward to our next opportunity.
Home Essential
Home Essential
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Not too long ago we remortgaged our house loan and Dave carefully guided us throughout the complete refinancing procedure from the first day right up until the loan settled. We were never in the dark, he communicated brilliantly and he explained each and every stage of the refinancing process very clearly, hunted around and got us a top mortgage rate with excellent money saving mortgage features. Dave is extremely efficient, organised, competent and delivered feedback in a fast and timely manner.
Abigail B.
Abigail B.
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We couldn't be happier with the service provided by Master Mortgage Broker Sydney. From the time Dave helped us with refinancing our first home right through to our 3rd property investment, he was right there with us every step of the way. I'm not sure you can find another mortgage broker quite like Master Mortgage Broker Sydney because from our experience they have definitely gone above and beyond their call of duties to ensure our needs were met.
Daniel C.
Daniel C.
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For excellent service and covering the market place for the best interest rates we recommend Dave at Master Mortgage Broker Sydney. He went out of his way to meet us at our place after hours and truly seemed focused on getting us the best deal rather than just making a sale. Thanks again Dave!
Patrice W.
Patrice W.
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Always above and beyond service. Helps you understand without making you feel stupid for not knowing. Would never go anywhere else.
Pietro M.
Pietro M.
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Master Mortgage Broker Sydney has shown us how to get the lowest possible rates for all our private and investment loans. Due to the great rate we got through our Master Mortgage broker Sydney we are now saving approximately $600 per month on interest alone.
Anthony G.
Anthony G.
~ Google
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As somewhat bewildered first time home buyers we were very happy with the service and support we received from Dave. He left no stone unturned in finding us the right home loan and guiding us through the somewhat tricky mortgage process.

What Does a Mortgage Broker Do?

A Good Mortgage Broker Makes All the Difference

If you’re looking for the best mortgage brokers in Sydney, take a little time and do some research. The best mortgage brokers make the home loans process much easier and help you get the best home loan interest rate possible.

Our mortgage brokers in Sydney are dedicated to assisting you by expertly navigating the home loan application process so that you can realise your goals of home or property investment ownership.

We’re Not All Things to All People

We’re not all things to all people and out of practicality we don’t try to be. The Sydney mortgage broker market is a competitive one. There is no shortage of mortgage brokers in Sydney to choose from.

Benefits of Mortgage Broker Power

Personalised service and straightforward direction from our extensive local knowledge are standard features of our home loan finance solutions.

You will have access to an extensive range of lenders, including all of the top ones in the market so you can find the right home loan for your needs.

Mortgage broker in Sydney

Why Not Use the Best Mortgage
Brokers in Sydney You Can Find?

Two Decades of Experience

Since 2000, our mortgage brokers in Sydney have been assisting customers in finding the best home loans for their needs.

We’re not a huge franchising operation, we are a boutique mortgage broker service in Sydney that has been in business for almost a quarter of a century that provides a custom tailored home loan service to our valued clientele.

Fast Personalised Service

We provide online services, in your home appointments, at our office, also we’re happy to do Zoom or Skype interviews.

Our customers come from all over the Sydney metropolitan area and many others throughout NSW areas and beyond.

You Deserve the Best Home Loan You Can Get

If you’re looking for a residential mortgage with the lowest home loan interest rate and have one of the best mortgage brokers in Sydney NSW on your team, you’re in the right place.

A Poorly Chosen Home Loan can Have Negative Consequences for Years, a
thoughtfully well-selected One can Have Rewards That Last a Lifetime!

Our Mortgage Brokers in Sydney Help You Find the Right Home Loan

  • Negotiate the Best Home Loan Interest Rates
  • Independent mortgage brokers who provide unbiased advice
  • How to structure an intelligent mortgage based on your own unique personal needs
  • Discuss and understand your financial situation, now and for the future
  • Deliver a minimal stress free home loan lending process
  • No out of pocket costs for our services

That’s right! Because we receive a commission from the lender you select, our mortgage broking service is 100% FREE to you.

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Master Mortgage Broker Sydney Services

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Moving House Loans

Get the money you need to move quickly and easily.

  •  
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Refinance

Feel Secure In Knowing You’re Doing Everything Possible To Save Money.

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First Home Buyer Loans

You’re about to take an important step in life, it’s important to get it right.

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Property investment Loans

Avoid the common mistakes made by many when it comes to investment loans

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Self Employed Home Loans

Relax knowing that you’re in good hands with self-employed home loan experts.

Young couple drinking coffee at home receiving good news over the phone about their home loan

Home Loan Pre Approval

You’ll be able to compare homes with price tags that fit your budget.

  •  
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Low Doc Home Loans

Get your dream house without the hassle of jumping through all of those hoops.

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Debt Consolidation Loans

There are a lot of opinions out there on debt consolidation So, what’s the truth?

Having Your Heart and Mind at Ease From Worrying About Life's What-ifs
is an Important Component of Enjoying Financial Independence.
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Make Use of Top Mortgage Brokers In Sydney to Find the Right Home Loan

You may have noticed that there is no shortage of websites claiming to be the best mortgage broker or the best mortgage brokers in Sydney.

We’re Not All things
to All People.

We invite you to allow us to use our cutting-edge technology resources to compare your financial situation with all the major banks, all of the second-tier banks, most of the non-bank lenders, and possibly some you may have never even heard of.

Expert Mortgage Brokers Advice 

Professional Mortgage Advisor Guidance

Getting the right home loan is one of the most important financial decisions you can make in your life – we keep your best interests front and center!

See the Forest From the Trees

The reality is that some homebuyers don’t always know what they should be asking about when it comes to home loans. That’s where we come in.

Any lender can show you their loans, with us,
you get access to all of the lender's loans!

Get Our Mortgage Brokers in Sydney to Give You That Razors Edge Advantage

We know mortgages!

No matter what your personal circumstances are, it’s important to be educated about the financial decisions you make.

That’s where we come in – helping you get to know your options and then offering our expert mortgage advice on how best to take advantage of them.

Get Expert mortgage Advice From
Independent Mortgage Brokers

Less Stress in Your Life

When buying or refinancing a property, every aspect of the process can seem like a hassle – from finding the best home loan interest rate to completing the application, providing required documentation, getting the home loan pre-approval, satisfying any lender exceptions, waiting for property market valuations, obtaining unconditional approval, etc.

We Care About Your Best Interests

That’s why having qualified professional Sydney mortgage broker by your side is so helpful; they help streamline everything into one easy-to-manage package.

New home with young mum and dad sitting on the floor and the two kids are on either side holding up their arms to make the shape of a house roof
There are many benefits of purchasing a house, it is the most sought-after thing for all. It serves as our financial wealth and mental security.
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What Does a Mortgage Broker Do?

Professional Mortgage Advisors

If you’re buying or selling in the property market, most people will use the services of a real estate agent. Mortgage brokers are also common in securing home loans for these properties.

However, not everyone is familiar with the true role of mortgage brokers in securing mortgages.

No Price Increase

Mortgage brokers are Certified members of an industry body such as the Mortgage and Finance Association. All brokers are required to have an Australian credit licence or have a Credit Representative number through an Australian credit licence holder.

They act as a lender go-between and assist home-buyers in identifying those lenders that are offering the most attractive home loan interest rates and options for their chosen property.

Find Lending Solutions Where Others Can’t

They’ll help you find alternative solutions if you have a smaller deposit and need lenders mortgage insurance. Or, your preferred lender may be out of your reach financially because you have too low of an income, too few assets, or issues with your credit history.

Free Service

Most mortgage broker services in Australia are free as their fees are usually paid by the lender.

Home ownership helps you accumulate wealth and provide financial security. What actions do you need to take to get there?

Can The Best Mortgage Brokers Get Me a Better Home Loan Interest Rate?

The best mortgage brokers in Sydney are true professionals that find the best mortgages to suit your own unique needs. They have access to a large panel of lenders and they also know which ones offer the best interest rates.

Not Sure About Using a broker, consider these benefits;

  1. Saving money is always good! Mortgage brokers typically do get you better interest rates than if you were to go directly through a bank. If it saves you even 0.25%, it adds up over time- especially with an amortization schedule of up to 30 years!
  2. You can save on fees – some lenders at times charge above market fees for processing mortgage applications – this doesn’t need to happen when going through a mortgage broker – since there’s more competition among lenders.
  3. Sometimes banks will also try and only give you a good interest rate on new mortgages instead of refinancing. Good mortgage brokers can certainly sort that one out in a hurry.

The best mortgage brokers in Sydney will save you money, time and stress while delivering to you the most competitive interest rate!

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Call For A Free Assessment - 02 8861 1689

Mortgage brokers are professionals who assists people with financing their home purchases. In Australia their services are free as the lender the customer eventually chooses will pay the broker a commission. But the broker is usually not affiliated directly with the lender or bank where they are able to obtain funding.

The best mortgage brokers can assist clients with learning about different types of home loans (including owner occupied and investment loans) and the benefits of each one, including interest rates, fees, monthly payments, and financial documentation required by lenders. A mortgage broker will also be aware of concerns such as credit history and income verification that may affect whether a person is approved for certain mortgages

When applying for a mortgage through qualified professionals such as experienced licensed mortgage brokers in Sydney, you’ll likely find it much easier to get your loan approved along with a great interest rate than if you applied on your own or go straight to the bank.

How do mortgage brokers get paid in Australia?

Mortgage brokers are paid by lenders when they bring in new clients. This is called ‘broker remuneration’ or ‘broker commissions’.

The lender will pay out a small percentage of the loan amount to the broker, as an upfront commission. This can usually range from 0.5% to 0.7%. They also receive a small trailing commission each month during the life of the loan under their care. This can be anywhere from 0.05% to 0.15%.

Mortgage brokers don’t get paid if they fail to find you a loan, so there’s no risk in working with them and trying out their services!

It’s highly advisable to engage with one of the best mortgage brokers you can find at the very beginning of your mortgage project. No matter whether it’s your first home loan or looking to refinance an existing one. They can save you time, money and a whole lot of hassle in the long run.

It will also give you one point of contact throughout the process which saves time later on if you want to switch lenders or buy another property.

The number of lenders out there will be overwhelming to any first-time buyer. A mortgage broker deals with all different types of banks, credit Unions and building societies. So, they can offer you many options and help guide you on selecting the one that will benefit you the most in the long run.

A mortgage broker is paid by commission from the chosen lender, so they are encouraged to get you the best deal! You can ask them for their advice on the various offers available.

If you’re in the property market to buy a dwelling, one of the first things you should do is get pre-approved for the mortgage. Getting pre-approved for a mortgage is when mortgage lenders verify your employment, income, borrowing capacity and credit history in advance before you begin house hunting.

Think of mortgage pre-approval as a step closer to buying the home of your dreams.

In other words, mortgage pre-approval is the smart thing to do before seriously stepping into the property market, because it shows that a mortgage lender has checked your credit and verified that you have enough money to buy the home of your choice.

Lenders’ Mortgage Insurance explained, or LMI, is insurance that protects the lender, not you. It’s usually a one-off payment made by the borrower at the time of loan settlement. You will likely pay LMI if you borrow more than 80% of your home’s value (some exceptions apply).

Lenders Mortgage Insurance helps protect lenders against losses arising from defaults on home mortgages by borrowers who are unable to repay their loans.

So if something happens and you’re no longer able to repay your house loan, they’ll get some (or all) of their money back.

Call 02 8861 1689 to chat with one of our savvy mortgage brokers in Sydney to get more information on lenders mortgage insurance and how it would affect you.

The First Home Loan Deposit Scheme (FHLDS) began on 1 January 2020. It allows eligible first home buyers to enter the property market to purchase with as little as a five per cent deposit and without the need to take out lenders mortgage insurance (LMI).

Get in contact with us and we will be happy to provide you with more detailed information about this and other Government incentives.

Buying a house is undoubtedly one of the biggest life milestones and as such, it deserves plenty of planning. 

As you get started in the property market with your  research, it’s important to know how much deposit and possible purchase costs you’ll need to save up and what the average of these amounts are for Australian property.

The amount of cash you need for a deposit and other costs when buying a house is different depending on whether you’re getting an owner-occupier or an investment home loan.

Owner-occupier loans are used to buy your own place to live in, whereas an “investment” home loan is designed for purchasing property to rent out.

The traditional owner-occupied home loan requires the buyer to have saved up at least 5% of the value of the purchase price as a deposit.

Investor loans have larger deposits – usually around 10%. However, there are higher priced exceptions.

However, it’s worth noting that this percentage can vary significantly between lenders. You may also have to factor in purchase costs, which can include purchase stamp duty, loan costs and conveyancing costs to name the main ones.

If you’re a first home buyer you could also be eligible for grants and concessions.

Get in touch (02 8861 1689) for more detailed information that would be applicable to your personal situation.