Hi, Welcome to Master Mortgage Broker Sydney where Locals have been Getting Expert Advice on Mortgages for Over 20 Years
Maximize Your Home Loan Savings with a Trusted Mortgage Broker Sydney
Siders’ Have Been Banking on for Many Years
We’ll guide you through the process and smooth out the rough spots.
Make the most of your property ownership journey, don’t settle for less than your maximum potential when applying for a mortgage.
Say goodbye to the headaches of finding the right home loan – our expert mortgage broker Sydney service will take care of the details, simplify the process, and help you save time and money along the way. Whether you’re moving home, wanting a first home buyer loan, need to refinance, or require a tailored loan solution, we have your journey fully covered.
Unlock your full consumer borrowing power potential and achieve your property dreams with our customised loan solutions – because, why should settling for less be an option?
At Master Mortgage Broker Sydney, professionalism and transparency are at the forefront of everything we do.
We understand that buying a home or refinancing your existing mortgage can be one of the biggest financial decisions most make, and we are here to guide you through the process with our extensive experience and knowledge of the industry.
At our brokerage, accessibility and responsiveness are key values, and we pride ourselves on being available to our clients whenever they need us.
Use the Mortgage Broker Sydney Home Owners Are Already Recommending
Our independence and impartiality mean that we work solely for you, the borrower, and not for any specific lender or financial institution. This ensures that we can provide the best advice and find the most suitable mortgage product for your individual needs.
We take the security and privacy of our clients’ data seriously, and our website is designed to ensure your personal and financial information is protected at all times.
We are accredited with a wide range of lenders you can choose from, so we can offer a bespoke service that is tailored to your specific requirements.
Our personalised service ensures that you are supported throughout the mortgage application process, from the initial consultation to settlement and beyond.
Our Service is Free
In addition, our mortgage brokerage services to you are completely free of charge. We earn a commission from the lender once the mortgage transaction is complete, which means you do not have to pay us any fees for our services.
And no, next to integrity you are our most valuable asset, not some minuscule commission difference some lender will pay us. We don’t care if one lender or another has a marginal difference in their commission rates. We’ll guide you to the lender that is going to do the best for you.
Thank you for considering our brokerage for your mortgage needs. We look forward to helping you achieve successful homeownership goals.
Discover the Same Mortgage Broker Sydney Locals Were Looking for, When it Came to Fast, Free, Low Rate, Skilled Home Loan Advice
Employ the Mortgage Broker Sydney Locals Have Been Relying
On for over 20 Years.
Over Two Decades of Experience
Whether you’re buying your next home, a first home buyer, an experienced investor or just wanting to switch lenders to get a better deal, our dedicated team at Master Mortgage Broker Sydney has over 20 years of experience in the mortgage landscape.
We understand how overwhelming this process can be so we strive towards providing personalized customer service and aim for fast approval times.
In Todays Tightly Regulated and Rising Interest Rate Mortgage Market, just the thought of applying for a home loan can make some a little nervous.
- Is your bank playing that unfair interest rate game with you, where they give new customers a better rate than you, their loyal customer?
- Does your bank keep telling you, you can’t borrow the amount you want?
- Are, you after a first home buyer loan and would like to get expert guidance and avoid the costly mistakes some make?
- You’re a self-employed borrower short on time, or possibly you don’t have those required documents to substantiate your income.
- You want to refinance to get a better interest rate, consolidate other debt, and get cash out for renovations or any other worthwhile purpose.
- You need advice on how to correctly structure an investment property loan. Did you know it can cost thousands if not done correctly?
Also, we provide expert mortgage advice for pre-approval, offset mortgage, low deposit, construction, bridging, SMSF, commercial, business loans, how to pay your mortgage off faster and your borrowing power.
A Poorly Chosen Home Loan can Have Negative Consequences for Years, a
thoughtfully well-selected One can Have Rewards That Last a Lifetime!
Our Sydney Mortgage Brokers Will Help Find the Right Loan at the Lowest Rate
As more individuals in and around Sydney try to buy houses, refinance, or access cash through their equity, statistics show they are becoming increasingly frustrated with conventional banks.
The causes for this unhappiness vary, but many consumers mention inefficiency, a lack of alternatives, poor customer service, and high costs as the primary complaints.
When it comes to getting a home loan, many customers find the whole process to be a frustrating time-consuming hassle.
The more difficult a procedure becomes it tends to generate additional worry and anxiety, prompting people to look for a more streamlined and efficient alternative.
This is why working with a mortgage broker Sydney people already trust is fast becoming a trend.
That’s because they provide a more simplified, clear, and uncomplicated way to arrange a mortgage loan.
Another issue customers can have with banks is the limited range of mortgage options they offer.
All too often, many people have specific needs that can’t be met by what’s being offered by mainstream banks.
This is another area where savvy mortgage brokers can provide the right solutions.
Banks can only tell you about their product line, whereas skilled mortgage brokers will have access to many lenders and can offer you a wider range of options to suit individual needs and preferences.
Master Mortgage Broker Sydney Services
Moving House Loans
Get the money you need to move quickly and easily.
First Home Buyer Loans
You’re about to take an important step in life, it’s important to get it right.
Property investment Loans
Avoid the common mistakes made by many when it comes to investment loans
Self Employed Home Loans
Relax knowing that you’re in good hands with self-employed home loan experts.
Low Doc Home Loans
Get your dream house without the hassle of jumping through all of those hoops.
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
an Important Component of Enjoying Financial Independence.
Make Use of a Top Mortgage Broker In Sydney to Find the Right Home Loan
In the latest surveys, it has been confirmed that 7 out of 10 mortgage seekers are now turning to mortgage brokers for a more personalised experience.
Because, they know they will receive the attention, support, and unbiased solutions they need.
Last but not least, the cost is another issue that prompts clients to look for top brokers who can show them cost-saving alternatives.
Many consumers believe that the fees and interest rates supplied by banks are not always competitive, so they may use a mortgage broker to find a more economical solution.
The top Sydney mortgage brokers will have access to a huge selection of lenders and rates, making it easy for clients to find the best deal for their requirements.
Overall, the dissatisfaction with traditional banks is leading a swarm of customers to turn to quality mortgage brokers in Sydney.
By providing a more efficient, personalized, independent, and cost-effective service, our Sydney brokers come highly recommended and are quickly becoming a popular choice for those looking to obtain professional advice about a well-structured competitive home loan.
Call today 0408 677 196
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.
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.
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.
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;
- 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!
- 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.
- 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!
Call For A Free Assessment - 0408 677 196
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.