The 5 best mortgage brokers in Sydney trusted by first-home buyers, refinancers, and investors
Among life’s many major milestones are buying your very first home, refinancing after a few years, and finally investing in a property you’ve always dreamed of. While some are willing to wait and save up first, others would rather take out a loan and pay later.
But not all of us wake up knowing how mortgages work. There are those who’ve probably been scrolling through endless home loan options, comparing rates, and trying to decode banking jargon for weeks—only to still feel completely lost.
To avoid rash financial decisions, the best mortgage brokers in Sydney are here to lend a helping hand. Armed with local market knowledge, they’re trusted by first-home buyers, refinancers, and investors to find the right deals and move forward with confidence.
| How much do mortgage brokers charge in Sydney? In Sydney, mortgage brokers don’t charge you directly—they’re paid by lenders through commissions of around 0.5% to 0.7% of the loan amount. On a $500,000 loan, a broker may receive between $2,500 and $3,500 from the lender funding your loan. |
1. Black & White Finance
Address: Suite 404/65 York St
Phone: +61 448 890 186
Business hours: Monday-Friday, 8:00 AM to 5:30 PM
Black & White Finance’s past clients often share success stories about getting the best deals, loans, and rates. We’re talking mortgage refinancers, first-home buyers, and property developers who’ve benefited from the team’s access to over 30 lenders and banks.
Beyond the results, many appreciate the quick response, sound advice, and clear explanations that made the process feel stress-free. Not to mention the consistent communication, which gave others the assurance and confidence they needed to make such a big decision.
However, some find it limiting that they only recommend three lenders they deem the best fit—wishing there were more choices.
And while it’s helpful that the team submits applications on their behalf, a few have felt discouraged and frustrated by longer-than-expected approval times.
What makes it better is their scenario-based approach—guiding buyers through different loan options and outcomes to prepare for any situation. Plus, Black & White Finance uses encrypted platforms and two-factor authentication methods to keep client information safe.
Made the process so easy and found us the best rate in town
“Look no further Black and White Finance is your one-stop shop for the Perfect mortgage broker. Pete and Aimee are absolutely excellent. They were with us every step of the way and made the process so easy and quick. We are thankful for their dedication to getting our mortgage refinanced and finding us the best rate in town. Highly recommend their services whether you’re buying your first home, wanting to invest in a property or even just refinancing Peter and Aimee will help you!”
- Michelle Tabbouche, Google Review
Explained everything clearly and made buying a first home feel smooth
“I had an excellent experience with Black and White Finance. Kiri and Peter were absolutely fantastic. So patient, knowledgeable, and supportive throughout the entire process. They took the time to explain everything clearly and made what could have been a stressful situation of buying a first home, feel smooth and manageable. I couldn’t have asked for better guidance.”
- Zane Hilder, Google Review
2. Mint Equity
Address: Level 4/580 St Kilda Rd
Phone: +61 1300 006 468
Business hours: Monday-Friday, 8:30 AM to 5:00 PM
Mint Equity may be based in Melbourne, but they bring the same comprehensive and knowledgeable service to Sydneysiders looking for the right home loan or refinancing options. That includes access to over 40 lenders, application support, solicitor coordination, and more.
Commonwealth Bank, Westpac, St. George Bank, RedZed, and Virgin Money are just a few of the lenders involved. And they’re the ones who pay the broker once your loan reaches settlement, so there’s no cost to you.
Moreover, wherever you prefer to talk—at home, in a cafe, via email, or over the phone—they’re happy to meet you on your schedule. In every consultation, clients praise the team for explaining things clearly, answering questions patiently, and double-checking every detail.
Even nervous clients and first-timers found comfort and confidence in this patient, responsive, and proactive approach. Still, others were let down when communication suddenly stopped during critical moments—one right before applying—leading to stress and frustration.
Made us feel confident and genuinely cared for
“We’re not big finance people, but Zac, Brad, and the team at Mint Equity have been absolute legends—guiding us every step of the way from purchasing our first home 7 years ago to refinancing now. They’ve always taken the time to share their knowledge, explain the process clearly, and make us feel competent and confident in what can otherwise feel like a foreign world. Even though we’re small fish in the finance pond, we’ve always felt genuinely valued and cared for. The team’s communication has been punctual, clear, and reassuring throughout. We can’t recommend Mint Equity highly enough—they’re professional, personable, and truly have your back. Thanks for everything!”
- Laura Stockwell, Google Review
Alleviated my concerns—their communication and knowledge were reassuring
“I would like to express my sincere gratitude for the exceptional service from Mint Equity specifically and support provided by Brad and Zac. As a first-time home buyer, I was initially daunted by the process, but their seamless assistance alleviated my concerns. They answered all my questions and addressed my concerns with ease. Even when my requirements changed, they handled it without any issues. Their excellent communication and extensive knowledge were incredibly reassuring. I highly recommend them for all your borrowing needs.”
- Luke Wilson, Google Review
3. Eden Emerald Mortgages
Address: Level 5/20 Bond St
Phone: +61 2 9188 9398
Business hours:
- Monday-Friday, 9:00 AM to 5:00 PM
- Saturday, 9:00 AM to 1:00 PM
Featured in The Canberra Times as the number one mortgage broker in Sydney, Eden Emerald (EE) Mortgages specializes in home loans—especially the complex and hard-to-close. Since starting in 2007, they’ve secured thousands of loans for their customers.
Some were impressed to get pre-approved within a week, partly due to the brokers’ effective plans of action, personalized advice, and deep industry knowledge. Others were simply grateful for how the friendly EE team easily guided them through the whole process.
While their services are free—as the lender you choose pays them later—certain clients only realize halfway that EE isn’t the right fit. One example is a buyer who found out too late that their preferred lender wasn’t on EE’s panel, causing them to start over elsewhere.
The upside is their handy lineup of online calculators that help home buyers and refinancers figure out how much they can borrow or what price range to aim for. There’s one each for borrowing power, home loan comparison/repayment, and mortgage refinancing.
Put together a plan of action and we were pre-approved
“Felt looked after, the team put together a plan of action for me and I am pleased to say we are pre approved! Thanks team.”
- Nicole Herbig, Google Review
Made it all easy to understand and gave me all the best options
“Eden Emerald was everything I hoped for, made it all easy to understand, gave me all the best options and let me choose my own loans. I highly recommend.”
- Em Howell, Google Review
4. Atelier Wealth
Address: Currency House, Suite 2, Level 15/23 Hunter St
Phone: +61 2 4267 2652
Business hours: Monday-Friday, 8:30 AM to 5:30 PM
One of the first things you’re sure to get from Atelier Wealth is consistency. From the first conversation to settlement, many clients highlight the clear communication, efficiency, and back-to-back pre-approvals the team pulls off every time.
That goes for first-home buyers struggling with applications, property investors growing their portfolios, and refinancers chasing the sharpest rates. Through it all, customers have felt Atelier’s genuine care and dedication—as if each loan were their own.
Let’s not forget that Atelier was also an Excellence Awardee in the 2023 Australian Mortgage Awards and a state finalist in that year’s MFAA Finance Broker Business Awards. Plus, with 27 lenders under their belt, they know which bank or non-bank policies could work in your favor.
One drawback to consider is that while their advice often feels strategic and well-informed, a few clients have sensed it was driven by commission. There are those who reported being steered toward loans that served the broker’s interests more than the buyer’s.
Helped me refinance seven loans, efficient, and clear communication
“Nate Condie from Atelier Wealth recently helped me refinance seven loans across four different banks, all while maximizing cashback offers. From the outset, it was clear that Nate possessed a high level of expertise and professionalism. Nate skillfully navigated the complexities of securing the best deals for each loan, making the entire process remarkably efficient. Communication was consistently clear and transparent.”
- Claudio Dias Pires, Google Review
Gained pre-approvals for us and secured our dream home
“We absolutely loved dealing with Damien and his team at Atelier. They’ve journeyed with us for over a year as we hunted for the right house, gaining pre approvals for us. Then sorting finances out for am offer twice before we actually got the house we wanted. In the end Damien sorted out a series of complex different loans so we could buy before selling and complete a subdivision. They were highly responsive, and communication was brilliant. Absolutely highly recommended!!! We can’t thank them enough for all they did to help us finally secure our dream home.”
- Michelle Sansom-Sherwill, Google Review
5. Mortgage Pros
Address: Level 1/5 George St
Phone: +61 1300 030 388
Business hours: Monday-Sunday, 8:00 AM to 8:00 PM
With Mortgage Pros, Aussie professionals don’t have to pay Lenders Mortgage Insurance (LMI), a one-time fee that protects the lender in case clients default on the loan. That’s why medical practitioners are able to make smaller deposits and borrow more affordably.
When it comes to the process, clients like that the team is reachable at all times (even after hours), keeps them well-informed, and has a calm, reassuring approach. What’s more, they get access to over 40 lenders and banks—backed by a 99.6% approval rate, all at no cost.
Mortgage Pros promises exclusive cashback offers and special interest rates, too. But some say they don’t always deliver on that front—for instance, one first-home buyer expected a $2,000 cashback but later found out the lender they were placed with didn’t offer it after all.
Even so, their numerous awards tend to inspire trust and nudge people toward choosing their service. Among those recognitions are New Broker of the Year in the 2023 Mortgage Business Awards and Brokerage of the Year in the 2020 Connective Excellence Awards.
Always available to answer and made us feel confident
“We had such a fantastic experience working with Mortgage Pros! From start to finish, they made the entire process of securing a loan for our home seamless and pain-free. A huge shoutout to Peter, who was absolutely amazing. He was always available to answer our questions, no matter how big or small. His expertise and dedication made us feel confident every step of the way. We highly recommend Mortgage Pros to anyone looking for a stress-free home loan experience. Thank you for all your hard work, Peter and the team!”
- Kerrod Summerhayes, Google Review
Helped me, a first-home buyer health professional, secure a competitive loan
“Eric at Mortgage Pro has been extremely knowledgeable and helpful especially for me a first time home buyer health professional. He is very proactive and goes above and beyond in helping me secure a loan at a competitive rate. Not only that, he also has been very helpful in answering my questions about purchasing real estate in Australia. I highly recommend Mortgage Pro!”
- Wendy C., Google Review