Best Mortgage Brokers in Sydney (2026 Guide)

February 10, 2026

Breaking into the Sydney property market has never been more competitive. Median house prices are forecast to reach around $1.9 million by the end of 2026, while many NSW borrowers are now paying roughly $22,000 more per year in loan repayments compared to a decade ago.

At the same time, home loan approval has become more complex. Lenders now assess borrowers across income structure, employment stability, existing debt, and long-term serviceability, not just deposit size or salary.

Because of this, mortgage brokers now play a central role in the Australian lending ecosystem. In fact, over 77% of new home loans in Australia are arranged through brokers, reflecting how valuable specialist advice has become in a tightening credit environment.

For Sydney buyers, particularly first-home buyers, self-employed borrowers, and investors, choosing the right mortgage broker can significantly influence borrowing power, loan structure, and approval outcomes.

This guide highlights some of the most recognised mortgage brokers serving the Sydney market, and what makes each one suited to different borrower scenarios.

How to Choose the Right Mortgage Broker in Sydney

With more than three-quarters of Australian home loans now arranged through mortgage brokers, choosing the right broker has become an important step in the home buying process.

While many brokers can access a wide panel of lenders, the quality of advice, loan structuring approach, and experience working with different borrower types can vary significantly.

When comparing mortgage brokers in Sydney, consider the following factors.

Experience With Your Borrower Type

Some brokers specialise in first-home buyers, while others focus on self-employed borrowers, investors, or complex income structures. Choosing a broker who regularly works with borrowers in a similar situation can improve loan options and approval outcomes.

Lender Panel Size And Policy Knowledge

Many brokers work with 30 or more lenders, including major banks and non-bank lenders. However, panel size alone is not everything. Strong brokers also understand how different lenders assess income, debt, and risk profiles.

Industry Recognition And Track Record

Industry rankings, awards, and professional association recognition can provide additional confidence. Many buyers also review independent customer feedback before choosing a broker.

Licensing And Compliance

Mortgage brokers must be licensed or operate as credit representatives and are required to act in their clients’ best interests under Australian law. Buyers can verify broker credentials using the ASIC professional registers.

Fee Transparency

Most mortgage brokers are paid commissions by lenders at settlement. However, it is still worth confirming whether any upfront or advisory fees apply.

Notable Mortgage Brokers Serving The Sydney Housing Market

As of 2023, there were approximately 7400 mortgage brokers in NSW. [7] While there are thousands of mortgage brokers operating across NSW, only a smaller group consistently appear in national broker rankings and industry award shortlists.

Here are some notable ones that serve the Sydney housing market. All of them featured on the aforementioned list of the Top 100 Mortgage Brokers in Australia.

AFMS Group — Andrew Hadjidemetri

Website: https://www.afmsgroup.com.au/

AFMS Group typically works with borrowers whose financial positions fall outside the standard PAYG lending criteria. This includes self-employed individuals, business owners, contractors, and borrowers with layered or variable income streams. These scenarios often require a more detailed assessment and lender-specific interpretation than automated application pathways typically allow.

Andrew Hadjidemetri founded the company and serves as its principal broker. An expert in residential and investment home loans, he is known within the industry for placing a stronger emphasis on loan structure and suitability over headline rates.

AFMS Group has also built a strong reputation among borrowers, reflected in its large volume of five-star client reviews and consistent recognition across industry broker rankings and professional networks.

Rather than treating approval as a binary outcome, Andrew’s work often focuses on how lenders assess factors such as income stability, risk exposure, and long-term serviceability. This perspective is particularly relevant for borrowers whose circumstances may change over time, such as business owners or investors planning future acquisitions.

Borrowers often approach Andrew when their financial situation is not straightforward. This can include cases where income presentation materially affects borrowing capacity or where policy differences between lenders create markedly different outcomes.

A distinguishing feature of Andrew’s work is his market-aware approach. This resonates with borrowers who want real-time, specific information, which he regularly shares through his professional channels.

Azura Financial — Tom Hawley

Website: https://azurafinancial.com.au/

Azura Financial often works with first-home buyers and owner-occupiers in Sydney who are unfamiliar with the lending process. These borrowers are typically looking for guidance on loan features, government incentives, and the steps involved in moving from pre-approval to settlement.

Widely respected within the industry, co-founder Tom Hawley possesses a communication-driven advisory style that helps borrowers understand how lending decisions are made. Rather than concentrating solely on product selection, his work frequently centres on education and expectation-setting. In particular, around borrowing limits and lender requirements.

Borrowers turn to Tom when they want a structured, easy-to-understand home loan application process. He is especially good at simplifying complex mortgage terminology and explaining how different loan features may affect borrowers over the course of a long-term loan.

Holding a Bachelor of Economics from the University of Sydney and a Master’s in Finance and Accounting from UTS, he also has an impressive academic background.

Alcove Mortgage Brokers — Chris Bates

Website: https://www.alcove.com.au/

Alcove Mortgage Brokers helps all types of borrowers, including first-home buyers, upgraders, and investors.

Chris Bates has a visible presence within the mortgage industry. He is highly regarded for his insightful educational content and public commentary, especially around long-term lending strategy. Notably, he often highlights the importance of understanding loan mechanics, trade-offs, and the long-term implications of borrowing decisions.

For borrowers who engage his services, Chris provides them with context as much as execution. This can include understanding:

How offset accounts function over time
Refinancing decisions affect total loan cost
Lending policies may evolve

One of the most distinguishing elements of Bates’s work is his focus on financial literacy. By emphasising borrower understanding alongside loan structuring, he and Alcove position themselves within the market as an advice-led brokerage. Rather than a purely transactional one.

Glass Financial — Steven Korner

Website: https://glassfinancial.com.au/

Glass Financial describes itself as an innovative finance brokerage that combines traditional lending methods with cutting-edge technology.

As one of the key figures at the company, Steven Korner has helped hundreds of professionals, investors, and owner-occupiers obtain loan approvals. Delivering a structured advisory style, Korner places high importance on aligning borrower profiles with lender credit frameworks. He expertly does this in a way that minimises friction during the assessment process.

Korner has enjoyed a successful career to date. In 2021, with only two support staff, Steven broke the $100 million mark in settled loans. This led to his recognition as the Best New Broker by the MFAA. He has not looked back since.

Infinity Group — Rachael Howlett

Website: https://infinity.com.au/

Infinity Group operates within a broader financial advice context. Often working with clients who view lending as one component of a wider financial strategy. This can include investors, professionals, and households planning over longer time horizons.

Rachael Howlett only became a qualified mortgage broker in 2023. But, impressively, within her first year in the industry, she featured on MPA’s Top 50 Brokers list.

Rather than treating lending decisions in isolation, her work often considers other aspects such as cash flow management, future planning, and structural flexibility. Borrowers typically engage her services when they want their mortgage strategy to follow the rest of their financial goals. This can include balancing investment plans, managing lifestyle changes, and implementing long-term wealth-building strategies.

Cutcher & Neal — Dean Menzies

Website: https://www.cutcher.com.au/

Cutcher & Neal typically works with business owners, professionals, and high-income borrowers. Especially those whose financial affairs are often intertwined with accounting and tax considerations.

Back in 2016, Dean Menzies founded Cutcher & Neale Residential and Commercial Finance. Since then, he has developed a strong reputation for offering specialist, independent advice on his clients’ long-term financial goals. His advisory approach often involves close alignment with broader financial structures, such as business income, trust arrangements, and tax planning considerations.

Borrowers who choose to work with Dean tend to do so when their lending needs revolve around business ownership or complex financial arrangements. In such cases, Dean’s knowledge around lending advice and accounting insight can be particularly valuable.

Finance Made Simple — Keith Ho

Website: https://hofinancemadesimple.com.au/

Founded by Keith Ho, Finance Made Simple works across a wide range of borrower profiles. This includes everyone from first-home buyers and refinancers to investors seeking straightforward lending solutions.

Keith is known for an execution-focused approach that emphasises efficiency and accessibility. His work often centres on helping borrowers navigate lender processes with minimal friction. In particular, in more standard lending scenarios.

As the company name suggests, most people who approach Keith want financial advice that is made simple for them. He is especially good at helping those with a relatively uncomplicated financial position who want a quick outcome.

Final Thoughts: Finding the Right Fit

As you can see, there are some highly accomplished mortgage brokers in Sydney that can help you find the right home loan for your circumstances.

Most of them have a deep knowledge and insight into the local market. Therefore, it is important to take the time to find one you most want to work with.

As with many aspects of business, people ultimately like to work with people they trust, respect, and like. The same goes for mortgage brokers. So, take the time to talk to a few of them, and let your gut instinct decide on which one you should choose.

As lending policy continues to evolve and borrowing capacity becomes more sensitive to income structure and debt position, the role of experienced mortgage brokers is likely to become even more important for Sydney buyers.