Top 5 Mortgage Brokers in Sydney in 2025
#1.
5.0
#2.
5.0
#3.
4.9
#4.
4.9
#5.
4.9
Top 5 Mortgage Brokers in Sydney in 2025
#1.
#2.
#3.
#4.
#5.
The best mortgage brokers in Sydney offer more than simply comparing loan options; they act as your financial advocate, negotiating with lenders, explaining complex terms, and ensuring you have access to the best rates and features. Whether you're a first-home buyer, looking to refinance, or investing in property, the right broker can provide invaluable guidance and support throughout your journey.
In this article, we’ve compiled a list of the top mortgage brokers in Sydney, highlighting their expertise, services, and what makes them stand out. Overall, our #1 choice is Eden Emerald Mortgages, which has also been voted the best broker by the Canberra Times.
How we picked the best Sydney mortgage brokers
To create our list of mortgage brokers, we had a benchmark that each broker must pass to be considered. Here is our checklist:
- The broker must have been in operation for at least 10 years, showcasing a proven track record and industry expertise.
- A Google review rating of at least 4.7 out of 5, reflecting consistent client satisfaction and trust.
- At least 50 verified reviews from satisfied customers, providing a strong indication of their reputation and success in helping clients.
- Collaboration with more than 35 lenders, offering clients a wide range of competitive loan options tailored to their needs.
- Home loan approval rate above 95%, demonstrating their efficiency and effectiveness in securing mortgages for their clients.
After meeting the criteria above, we looked at other factors such as customer service, experience in particular types of mortgages (eg: first home buyer, No LMI, investment properties), speed of approval and level of guidance through the home loan process.
If you plan on doing your own research into the best brokers, it is a good idea to follow the steps that we used, to help you make a more informed decision.
Best Mortgage Brokers in Sydney - Reviews
1. Eden Emerald Mortgages
- Ability to negotiate the lowest interest rates.
- Partnerships with over 40+ lenders.
- 100% free service, with no hidden charges (they receive a commission from lenders).
- Experienced and friendly support throughout the loan process.
- 100% 5-star Google rating from over 60 happy clients.
- Loan approval rate of 99%.
- Perfect for First-Home Buyers, Refinancers, LMI waivers and more.
Eden Emerald Mortgages has earned the title of the best mortgage broker in Sydney by consistently delivering unparalleled service and securing optimal outcomes for their clients. The company's reputation as the top choice stems from their in-depth understanding of the industry and strong connections with more than 40+ lenders. This enables them to offer bespoke mortgage solutions that are tailored to meet your individual needs while securing the lowest possible interest rates.
What sets Eden Emerald Mortgages apart is their unwavering commitment to a client-centred approach. They invest time in thoroughly understanding each customer's specific financial goals and needs. This meticulous attention to detail allows them to handpick the most suitable loan options from their extensive network of over 40 lenders. They go further to negotiate the best rates and provide a detailed explanation of each option, guiding clients through the advantages and potential drawbacks, thus enabling you to make informed decisions. The application process is streamlined and efficient, supported by a responsive team ready to address any enquiries promptly, via phone or email.
Integrity and transparency are at the core of Eden Emerald Mortgages' operations. They pride themselves on offering a 100% free service to clients with no hidden charges (they receive a commission from the lenders), and they uphold the highest standards of honesty and ethical practices. This approach not only builds trust but also fosters lasting relationships with clients.
Finally, EE Mortgages' commitment extends beyond the initial home loan, as they regularly review clients' mortgages to ensure you continue to benefit from the lowest rates. They will suggest refinancing options if better opportunities arise. This comprehensive and continuous support makes Eden Emerald Mortgages undeniably the #1 broker in Sydney.
2. Principal Mortgages and Shaun Bettman
Shaun Bettman is the founder and director of Principal Mortgages, the #2 mortgage broker in Sydney. With over 15 years of experience in the finance industry, Shaun has helped countless homebuyers achieve their dream of homeownership.
Shaun and his team are dedicated to finding the best home loan for each client. They offer a range of loan options, including fixed-rate loans, variable rate loans, and interest-only loans. Their services extend beyond finding the right loan; they also provide comprehensive financial planning and coaching to ensure clients are in the best financial position to buy a home.
Principal Mortgages has a 98.5% approval rate, making it one of the most successful mortgage broking firms in Australia.
Furthermore, the company enjoys an exceptional reputation on Google with a 5-star rating based on 118 client reviews, which serves as a testament to the quality of their services.
3. Koalify
Koalify is revolutionising the mortgage experience by combining advanced technology with personalised, expert service. Dedicated to making the mortgage process as smooth and straightforward as possible, Koalify supports clients whether they are first-time homebuyers or looking to refinance an existing loan. The company is committed to guiding clients through the complexities of home financing with clarity and confidence, ensuring they feel supported every step of the way.
What sets Koalify apart is its unwavering focus on understanding the unique needs of each client. Its team of experienced mortgage professionals works diligently to craft tailored solutions that align with individual financial goals. With a strong emphasis on transparency, Koalify empowers clients with the knowledge to make informed decisions about their home financing. By simplifying complex processes and providing clear, actionable advice, the company delivers a seamless and stress-free experience.
Koalify is also committed to accessibility and fairness, offering its expert services at no cost to clients. The company receives a set commission from lenders, ensuring that its recommendations remain unbiased and focused solely on finding the best mortgage options for each unique situation. With its expert guidance, personalised service, and transparent approach, Koalify aims to deliver exceptional outcomes for every client, placing their needs at the core of its mission.
4. Soren Financial and Mansour Soltani
Mansour Soltani of Soren Financial is a distinguished mortgage broker in Sydney, renowned for his expertise in first-home mortgages and advanced refinancing. With access to 45 verified lenders and key industry partnerships, he offers clients a wide array of competitive loan options and superior interest rates.
Soltani's approach is client-centric, evident in Soren Financial's efficient 5-point approval process that prioritises understanding clients' long-term financial goals and providing tailored loan solutions.
His rapid loan approval times, professional qualifications, and commitment to building long-term relationships underscore his reputation as one of the top mortgage brokers in the city.
Accredited under FBAA and licensed as a credit representative, Soltani upholds the highest standards of service, making him a trusted and reliable choice for homebuyers in Sydney.
Soren Financial has an outstanding 5-star rating on Google Reviews, rated by 70 satisfied clients.
Other Notable Mortgage Brokers in Sydney
While Eden Emerald Mortgages and Shaun Bettman are some of the best-known mortgage brokers in Sydney, several other professionals excel in the industry. Here are some of the other notable mortgage brokers in Sydney:
5. Justin Doobov, Intelligent Finance
Justin Doobov is a notable mortgage broker in Sydney, and his company, Intelligent Finance, has made a name for itself as one of the top mortgage broking firms in the country. In FY21, Justin set a record on the MPA Top 100 Brokers list, with $423m in home loans written.
Justin and his team at Intelligent Finance are known for their expertise in complex lending situations. They specialise in finding lending solutions for self-employed borrowers, property investors, and individuals with unique financial circumstances. They provide personalised service and advice to ensure clients understand the lending process and are comfortable with their loan terms.
Refinancing Surge in Sydney
The pandemic caused a significant upheaval in the Australian housing market, leading many homeowners and investors to turn to refinancing to avoid defaulting on their mortgages. As a result, refinancing activity in Sydney surged, with borrowers racing to take advantage of historically low interest rates.
In May 2021, record-breaking home loan values of up to $32.56bn were refinanced, marking a significant surge in demand for refinancing services. Refinancing not only helps borrowers save money on interest rates, but it can also reduce monthly mortgage payments, which can go a long way in helping them avoid defaulting on payments.
However, refinancing is not always the best option, and borrowers must take a comprehensive approach when evaluating their needs. For this reason, seeking advice from a reputable mortgage broker is essential to steer clear of any financial traps and make informed decisions about the best financing options available.
Current State of Housing Loan Commitments
According to the Australian Bureau of Statistics, total new housing loan commitments in Australia in 2025 are around the $26 billion mark. This has seen a 13.3% increase over the past 12 months, with a 9.1% increase in owner occupier loans, and 21.5% increase in investor loans.
Even though interest rates are much higher now than during the pandemic, these figures point to growing investment in property, and as rates decrease in the future, we can expect this trend to continue higher.
It’s crucial to have access to solid financial advice to ensure you make informed decisions when it comes to buying property. That is where mortgage brokers can help.
Why Mortgage Brokers are Necessary Today
In today’s housing market, mortgage brokers play a crucial role in helping borrowers navigate complex financial issues related to home loans. With an experienced broker by your side, you can rest assured that you’re getting the best deal on your mortgage.
Mortgage brokers have access to an extensive network of lenders, making it easier for them to negotiate better terms and rates for their clients. They can also assist with loan applications, as well as provide advice on the various financing options available to borrowers.
Benefits of using a mortgage broker for buyers and investors include:
- 1Access to a wide range of lending options.
- 2Expertise in complex financial and lending matters.
- 3Cost savings through lower interest rates and reduced fees.
- 4Greater purchasing power with access to a broad network of lenders.
- 5Save time and effort by not having to negotiate with individual lenders.
Conclusion
Buying or investing in a property in Sydney can be a daunting process, with the average home loan size in NSW being $770,914. Coupled with the recent shift in the market due increases in interest rates, it can be challenging to navigate your way through the home loan process alone.
Fortunately, Sydney has some of the best mortgage brokers in the country, such as Eden Emerald Mortgages, who have an outstanding approval rating near 99%. These experts can assist buyers and investors in making informed decisions about home loans and other financing matters.
In conclusion, finding the right mortgage broker in Sydney can make all the difference in your home buying or investment journey. With the right advice, you can save money, time, and effort, while avoiding costly financial pitfalls.
If you're interested in using a buyers agent, I highly recommend checking out our guide.