Mortgage Brokers in Sydney
Get a lower rate and save!
Are you looking to purchase or refinance?
What You Get
Get the Lowest Rate and Save $80,000
We cover annual loan fee*
(Minimum Loan $750k)
Strong Borrowing Power to Buy more properties
Find the best solution suited to your personal situation
Reliable Services with High Approval Rates, Get a Loan amount you wanted with fast and smooth approval
Why Sydney Trusts Us as the Best Mortgage Broker in Sydney
Choosing the best mortgage broker in Sydney comes down to one thing: someone who treats your loan like it is their own. As an experienced Sydney mortgage broker, we go beyond rate sheets to understand your financial situation and personal circumstances, then match you to the right loan from a panel built around your goals.
Run out of our Sydney head office, our team knows the Sydney market street by street, from the CBD to the outer growth corridors. That local knowledge means sharper advice, faster answers, and a finance broker who can anticipate what a lender will ask before they ask it. The result is a personalised service that helps you secure the best home loan for where you are now and where you want to be.
Lending Solutions Beyond the Big Four Banks
Going direct to a single bank limits you to that one account and its loan products. We do not. Our panel spans the big four banks, multiple second tier lenders, and specialist non-bank funders, giving you finance options most borrowers never see.
That breadth matters. The best loan for a salaried first home buyer is rarely the right loan for a self-employed business owner or a growing property investor. By comparing mortgage solutions across the whole panel, we tailor lending solutions to your circumstances rather than forcing your circumstances to fit one lender's policy.
When a Standard Home Loan Isn't Enough
Some goals need more than a standard home loan. We arrange SMSF lending for clients buying an investment property inside their self-managed super fund, along with commercial, asset and business finance for those scaling something bigger.
These are the areas where a generalist falls short and specialist knowledge pays off. We structure each facility around your wider strategy, so your property portfolio and your borrowing work together rather than against each other.
What Makes a Good Mortgage Broker
A good broker should save you time, reduce stress, and protect your approval, not add to the paperwork.
No Upfront Cost to You
We are paid by the lender, so there is no upfront commission charged to you for our core service. Our advice stays focused on your best outcome.
Accurate Information
A single set of incorrect figures can delay or sink an application. We check the detail before it reaches the bank, protecting your approval.
Proactive Service
You get one point of contact who knows your account, responsive service when timing counts, and proactive updates through the whole home loan application process.
Ready to Take Your Next Step on the Property Ladder?
Whether you are buying your first home, refinancing, or expanding an investment property portfolio, the right finance broker makes the difference. Find out what is genuinely possible for your situation.
Specialist Home Loans for Your Profession
Tailored lending and exclusive rate discounts for professionals across Australia. Find your profession below.
Doctors
Home loans for doctorsEngineers
Home loans for engineersAuditors
Home loans for auditorsAccountants
Home loans for accountantsLawyers
Home loans for lawyersMedical Professionals
Home loans for medical prosIT Professionals
Home loans for IT prosNurses
Home loans for nursesOther Professionals
Home loans for professionalsLoan Solutions for Every Stage
From your first home to a growing portfolio, we have the lending solution to match your goals.
Proud Elite Broker Award Winner
Ranked Among Australia's Best
About Us
Best Mortgage Rates has been established since 2015 to provide loan solutions to our clients, from first home buyers to sophisticated investors. As an established mortgage broker company, we have an in-depth understanding of current market conditions and home loan trends to ensure the best result for our clients.
Best Mortgage Rates’ goal is to help clients save money on their mortgage and pay off their home loans faster. With access to over 50 lenders, we can offer you more loan options than just one bank.
Our services include Refinancing, First Home Loan, Investment Loan, Commercial Loan, Vehicle and Asset Finance and Personal Loan.
Best Mortgage Rates Pty Ltd is an authorised credit representative 476238 of Australian Credit License Number 383640 and ABN is 16 605 487 894.
Get in touch today
First Home Loan
From scrimping every last dollar to save for the deposit to signing the contract of sale, there’s nothing more exciting (and stressful) than buying your first home. Buying a home is the most important decision in your life, and choosing your home loan is as important as choosing the property itself, but do not be intimidated by all the options available. While home loans come in all shapes and sizes, with each lender offering something different, partnering with a mortgage broker company like Best Mortgage Rates can make all the difference.
At Best Mortgage Rates, we help first home buyers prepare themselves for the property market by guiding you through the complete home loan process, including First Home Owner’s Grant. Think of us as the middleman between you and the lender, doing all the heavy lifting, from sifting through a stack of home loan options to getting your application in tip-top shape for approval.
With access to over 50 lenders, including major banks and non-bank lenders, our team of Sydney mortgage brokers can ensure you receive the most competitive offer based on your financial circumstances. We’ll sit down with you to craft an overview of your financial profile, including your budget and borrowing requirements, to ensure you receive the best solution for your needs.
If you’re a first home buyer looking for home loan financing, contact our team today to discuss your options.
Our Difference
Your home loan is something you’ll be working with for a long time, so getting it right is crucial. With access to over 50 lenders, our team can help customers borrow up to 99.9% of a property value, including lender’s mortgage insurance (LMI). This type of insurance policy is typically charged to borrowers with a deposit of less than 20%, safeguarding the lender against the risk of non-payment.
Having access to up to 99.9% of the property’s value opens a wealth of opportunities for first time buyers. This approach allows us to help those with limited funds for the deposit and costs associated with buying a property, such as stamp duty and legal fees.
First Home Owners Grant
One major benefit of being a first time home buyer is having access to a range of government grants and incentives that can simplify the home buying process. For instance, you might be able to apply for the First Home Owner Grant, which helps Australians to get the funds they need to buy, or build their first home.
For more information about the First Home Owner Grant, from what it is, to the eligibility criteria, what the differences are in each state, how much you could receive, and when the grant gets paid, we have included helpful links in the dropdown below.
If you would like more information on how a Best Mortgage Rates Sydney mortgage broker can help you, contact us today!
If you’re a first home buyer and you’re buying or building a new home, you may qualify for a $10,000 grant under the NSW First Home Owner Grant (New Homes) scheme if you purchase date was on or after 1 January 2016.
You can make a claim for the First Home Owner Grant if your:
- newly constructed home or a substantially renovated home has a total value less than $600,000
- land for building and any dwelling you intend to build has a combined value less than $750,000
To receive the grant when you buy your home:
- you must be an individual, not a company or trust
- you must be over 18
- you, or at least one person you’re buying with, must be an Australian citizen or permanent resident
- your purchase date must be on or after 1 January 2016.
Generally, you won’t be eligible for the First Home Owner Grant if you or your spouse:
- have previously owned or co-owned a home in Australia or
- have received an Australian first home owner grant.
You may still be eligible if you purchased a residential property after 1 July 2000 and didn’t live in it for more than six continuous months.
You or one of the other first home buyers who purchase with must move into the new home within 12 months after buying the property, and live there for at least six continuous months.
If you’re buying land and building a new home, you must move in within 12 months after construction is complete.
If you’re a member of the Australian Defence Force you may be exempt from the six-month residence requirement, provided all buyers are on the New South Wales electoral roll.
If you’re buying an existing home, you can apply for the grant if:
- this is the first time the house has been sold and
- the house has never been lived in before you move in, including by the builder or a tenant.
Your home is also considered new if it has been substantially renovated before you buy it. You might be eligible for the grant if:
- most or all of the house was removed or replaced
- this is the first time the home has been sold after those renovations
- it hasn’t been lived in since being renovated, including by the builder or a tenant.
Refinancing your loan
Do you know the interest rate you are being charged on your mortgage? Have you stopped to consider how it compares to the current interest rate on similar products? If it’s been a while since you last looked at your mortgage offering, it may be time to consider refinancing.
Refinancing involves switching out your old home loan with a new one. While it’s easier said than done, refinancing your loan could give you access to a more competitive interest rate, especially if you have had a home loan for a few years. This could mean lowering your repayments and, more importantly, your total interest paid.
Over the years, interest rates have changed dramatically, meaning if you play your cards right, you could switch to a better deal.
We have listed a few reasons why people refinance below.
Reasons why you may refinance
If you’ve had a home loan for a few years now, it’s safe to assume your life has changed in that time. You may have started a new job, received a promotion, or gone through significant life changes such as getting married or having your first child. You may be in a better financial position, and your home loan should reflect that.
Equally, you might be near the end of a fixed rate term or interest only period, so now is a great time to find out what your options are. This is especially important to do, as once the fixed interest rate period ends, the rate may revert to the lender’s standard variable rate, which could be a lot higher than what you’re used to paying.
Looking to invest in property?
If you are a property investor, finding a competitive investment loan is an important part of maximising returns from your investment. As an investor, it’s ideal to keep costs as low as possible wherever possible, including your investment loan. That’s where the team at Best Mortgage Rates comes in.
As an investor, you have the option to choose between a variable rate and a fixed rate home loan. Choosing between a variable rate and a fixed loan rate will depend on your investment strategy, so it’s important to compare the two to distinguish which one will suit you better. As experienced mortgage brokers in Sydney, we can help you determine the best course of action for your circumstances and investment strategy.
With the help from our team, you can shop around for a good investment loan from over 50 different lenders before selecting the one that works best for you and your future goals.
For more information on investment loans or to kickstart your journey to unveiling the perfect investment loan for you, contact our team today.
News
How Banks Treat Director Wages, Dividends and Distributions
Key Takeaways Accountants who run income through a company or trust usually draw it as some combination of director wages, dividends, trust distributions, and sometimes
Can Accountants Use Trust Income for a Home Loan?
Key Takeaways Plenty of accountants run income through a family or discretionary trust, distributing to a spouse or adult children to manage tax efficiently. It
Home Loans for Accountants Using Company or Trust Structures
Key Takeaways Many accountants run their income through a company or trust, for tax efficiency, asset protection, or both, and while that structuring is sound,