Low Interest Rate Home Loans

We focus on your needs to find cost-effective home loan solutions

Welcome to

My Sydney Broker

Expert Mortgage Brokers

We support your goals, focusing on your needs to find cost-effective lending solutions. Different people have different needs as well as different  lenders (banks and non-bank financial institutions) have too. Lender’s needs reflect on its lending appetite, which shapes its policy. 

My Sydney Broker specialists are market experts: we master policies and tailor home loans solutions around your goals. Some lender might offer lower interest rates, others lend you more or accept your personal circumstances (defaults, bad credit history, unusual employment, maternity leave, etc). Our goal is assisting you to find cost-effective home loan solutions.

Different Home Loans for different people and purposes

First Home Buyer & Next Home Buyer Owner Occupied Property

Investment Property purchased by individual, trust or SMSF

Switch bank to save money $$$

Find out your Borrowing Power & get a Pre-Approval in place

Renovations, buy land & build home, build a granny-flat, etc.

Use Equity in Property to buy Investment Property, car, personal investment, travel, consolidate debts, etc.

SPECIALITIES - Your bank says 'NO', others might say 'YES'

Your bank might not lend you what you need, but another one might. Particular circumstances might make more difficult to get a Home Loan, but not impossible. An expert advice makes the difference since only selected lenders might lend under specific circumstances. This is because lenders’ policies are different and only an expert can master them. Our specialities are:


Self-employed, casual work, on probation, contract work & subcontractor, agency work, some centre-link income.

low deposit

5 - 10% deposit, depending on the circumstances.

Genuine Savings

When borrow more than 90%, 5% genuine savings must be verified (% to be confirmed with lenders).

favorable purchase

Buying a property below the market value, typically from parents or family in general.

low docs / Alt docs loans

Available to those who cannot prove the income in the traditional way (often self-employed).

maternity leave

Some banks consider maternity leave pay (conditions apply).

bad credit history

Few lenders accept defaults, bankruptcy, too many credit enquiries,.multiple missed payments on credit statements, or other unfortunate circumsataces .

professional package

Some banks offer special rates or wave LMI to doctors, accountants, lawyers, or others (conditions apply).

property type

Acceptable properties are different among branks.


no deposit required if guarantor (typically family) uses his/her property as security guarantee (conditions apply).

non residents

Some banks considers Australian Non-Resident eligible, depending on the visa (457 Visa and few others).

Australian expats

Australian citizen & Permanent Resident living and working overseas (conditions apply).


Working for yourself with an ABN.

Ethical loans

Loans from lenders which do not support industries that do harm.

More lending solutions

We can assist you with a broad range of lending solutions. The right one must be right for you and your loan purpose. Seek an expert advice.

Residential Proprieties

Travel, Car, Motorbike, Boat, Wedding, Engagement Ring, Furniture, School Fees, Home Renovations, Debt Consolidation, etc.

Motor Vehicle

Equipment, Commercial Kitchens, Trucks, Cars, Motor Bikes, Caravans, Campervans, Motorhomes, etc.

Commercial Properties: Shop, Warehouse, Business Office, etc.

Cash Flow needs and more

Do you want to save money on your mortgage?
Are you buying a new home?

Pay less for your home loan!

Save $ $ $

Request an expert advice now:

0421 791 315

what people say about us

Your service has been exemplary. I was wondering if there was a service evaluation I could complete, I really appreciated your very personalized help and would really like to put in a good word. Thanks again.
He was highly professional, with a very friendly and consultative approach. He managed to really nut out what I was seeking and offered products far better suited to my needs than the initial loan. I would not hesitate to tell my friends to get a consultation.
Dan has assisted me several times, he is a gem - very professional, efficient and always with a smile. He made my journey simple, organising the loans for my property portfolio. I have referred him to my friends, same experience.