Our mortgage brokers for Sydney

Working with one of our Home Loan Specialists comes with benefits you might miss if you apply directly with a lender. These include:

• Access to a range of loan products from different lenders, versus only having access to one lender or bank’s home loan products
• Tailored, expert guidance every step of the way, with our brokers guiding you through your entire Sydney real estate lending journey based on your unique needs
• Help comparing more than just interest rates, including comparison rates, fees, loan features, repayment flexibility, offset accounts and redraw options to help you make informed decisions
• Guidance in choosing your loan term, whether that’s a 30-year loan to reduce monthly repayments or a shorter term to pay less interest overall
• Time savings and fast loan approvals, as your broker does the comparing, negotiating, and follow-ups with lenders on your behalf
• An easier and less stressful property-buying process for Sydneysiders, because we’ll handle the paperwork for you!

And you get all these benefits for free, as it doesn’t cost you a thing to apply with us!

The services of our expert mortgage brokers cost you absolutely nothing — it’s a completely free service for you. This means there are no extra brokerage costs on top of your other upfront homebuying costs, such as conveyancer fees and stamp duty. That’s because we get paid by the lender, not you!

Mortgage brokers in Australia are generally paid by the lender through a one-time payment made at the settlement of a home loan and a smaller ongoing commission paid each year based on your loan balance.

Our team of mortgage experts are all salaried employees of Compare the Market, and don’t rely on commissions to make a living. However, our brokers may receive a commission or an incentive payment for facilitating your home loan or meeting other performance criteria.

But it’s important to note that these incentives will never be paid by you. They’re paid by Compare the Market from the commission we receive from the relevant lender.

Before choosing a mortgage broker, it’s worth asking a few key questions to make sure they’re the right fit for you. Some helpful questions include:

• What range of lenders do you work with?
• How are you paid, and are there any upfront fees?
• What’s your commission structure?
• What does your recent approval rate look like?
• Why do you recommend particular products?
• How do you decide which loan suits my circumstances?
• What information will you need from me to start the home loan application?
• What additional costs should I plan for, like stamp duty or legal fees?
• How long does the entire process take from start to finish?

Our whole team works with the same panel of lenders and follows the same pay structure. So, no matter which of our brokers you work with, you’ll always get a consistent view of the home loan options available to you, along with guidance and support throughout the home loan journey — compare, apply and settle.

Our mortgage brokers are ready and eager to help prospective first property buyers in Sydney take the next step towards buying their first home. They can also walk you through the grants you may be eligible for, including the NSW First Home Owner Grant, stamp duty exemptions, and the federal government’s 5% Deposit Scheme, formerly known as the First Home Guarantee (FHBG).

Our team of expert brokers can help Sydney residents with several different types of home loans, including:

• Fixed rate home loans that give you the certainty of an unchanging interest rate repayment size for up to five years while potentially restricting extra repayments and other features.
• Variable rate home loans, which may offer flexible features like unlimited extra repayments and redraws, but can rise or fall over time as the RBA changes the cash rate and the lenders adjust their interest rates accordingly
• Split rate home loans let you divide your loan into two parts — borrowers generally fix the rate on one and keep the other variable. A handy middle ground for borrowers who want some certainty without committing fully to a fixed rate
• Investment loans can be fixed, variable or split rate, or interest-only, and are designed specifically for property hunters looking to buy a home to rent out rather than live in. They typically have higher interest rates than owner-occupier home loans, making it even more important to shop around for a competitive rate.
• Refinancing is when you replace your current home loan with a different home loan from a different lender typically for the purpose of achieving more favourable mortgage repayments. It can give your home loan a different (and potentially better) set of rules to play by.

Sydney’s housing market remains one of the priciest in the country, making affordability a real challenge for many home buyers. Cotality’s (CoreLogic) Home Value Index puts Sydney’s median dwelling value at $1,296,039 for February 2026, up 6% over the year.¹

That price tag flows through to average loan sizes too. According to the Australian Bureau of Statistics (ABS), the average mortgage size in New South Wales reached $873,000 for both owner-occupied home loans and investor loans in the December 2025 quarter.²

Over the past two calendar years, Compare the Market has helped thousands of Australians compare home loans and look for a better deal.

No matter where you are in Australia, the home loan approval process will largely follow the same steps. However, if you choose to apply for a home loan in Sydney via our brokerage service, one of our mortgage brokers will handle the paperwork and application process for you.

That means less time out of your day, less effort spent, and more time back for the things that really matter.