Find the best
Home Loan
Interest Rate & Cashback
We focus on your needs to find cost-effective home loan solutions
Welcome to
My Sydney Broker
Expert Mortgage Brokers
My Sydney Broker specialists are market experts. We support your goals, focusing on your needs to find cost-effective lending solutions.
People’s needs are different, so are lenders’ needs. Lenders’ needs reflect on their appetite, which shapes their policies. We master policies and tailor home loans solutions around your goals. For instance, to achieve your goals, you might need to use banks or specialist lenders that offer lower interest rates, lend you more or accept exceptional circumstances (defaults, bad credit history, maternity leave, atypical employment agreements, etc).
Some banks offer Cashback deals to Refinance a Home Loan or Purchase a Property. Cashback offers are getting uncommon, only very few banks are still offering them. Likely, there is still some rebate offers on the market. For more details, click read more…
FIND THE RIGHT HOME LOAN
Different Home Loans for Different People & 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'
Your bank might not lend you what you need, but others might. Exceptional circumstances might make more difficult to get a Home Loan, but not impossible. An expert advice can make the difference since only some bank or specialist lenders might lend under exceptional 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.
5% deposit might be acceptable.
When borrow more than 90%, the 5% genuine savings must be verified with most lenders (exceptions available).
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 (typically self-employed).
Some banks consider maternity leave pay.
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.
Acceptable properties are different among branks.
No deposit required when a guarantor (typically family) offers his/her property as security guarantee.
Some banks considers Australian Non-Resident eligible, depending on the visa.
Australian citizen & Permanent Resident living and working overseas.
Working for yourself with an ABN.
Loans from lenders which do not support industries that do harm.
MORE LENDING SOLUTIONS
Other types of Loans
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.