Find 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 bank and non-bank lenders have too. Lender’s needs are reflected in lending appetite which shapes lender’s policy.
My Sydney Broker specialists are market experts: we master lender’s policies and tailor home loans solutions according to your goals. Some lender might offer lower interest rates, others might lend more and others might differently consider 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
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'
If your bank does not lend to you, it will not mean that any other bank won’t. Particular circumstances might make more difficult to get a Home Loan. An expert advice becomes crucial as only some banks might lend under specific circumstances. This is because lenders’ policies are different and only an expert can master them. We are comfortable to deal with many specialities:
Self-employed, casual work, on probation, contract work & subcontractor, agency work, some centre-link income.
5 - 10% deposit, depending on the circumstances.
When borrow more than 90%, 5% genuine savings must be verified (% to be confirmed with lenders).
Buying a property below the market value, typically from parents or family in general.
Available to those who cannot prove the income in the traditional way (often self-employed).
Some banks consider maternity leave pay (conditions apply).
Few lenders accept defaults, bankruptcy, too many credit enquiries,.multiple missed payments on credit statements, or other unfortunate circumsataces .
Some banks offer special rates or wave LMI to doctors, accountants, lawyers, or others (conditions apply).
Acceptable properties are different among branks.
no deposit required if guarantor (typically family) uses his/her property as security guarantee (conditions apply).
Some banks considers Australian Non-Resident eligible, depending on the visa (457 Visa and few others).
Australian citizen & Permanent Resident living and working overseas (conditions apply).
Working for yourself with an ABN.
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.
Equipment, Commercial Kitchens, Trucks, Cars, Motor Bikes, Caravans, Campervans, Motorhomes, etc.