Mortgage Broker — Sydney

Most brokers see your income only through whatever payslips and returns you can dig up. Here the tax side already sits inside the practice, so for self-employed and company-director borrowers the income is understood before a single lender is approached. That means the lender shortlist is built on how your income actually reads, the file is packaged consistently, and you are not re-explaining your structure to two separate professionals. Approval still depends on the lender’s assessment of your full circumstances, but the file arrives clearer.

Those pages focus on the north-western corridor — the Cherrybrook office, Castle Hill, Norwest, Baulkham Hills and West Pennant Hills. This page is the wider greater-Sydney view: borrowers across the eastern suburbs, inner west, north shore, southern Sydney and the west who want the same combined accounting-and-lending approach without being tied to one suburb. The lender panel and the Credit Representative are the same across all three; the difference is geographic reach and emphasis. Pick the page that matches where you are.

No. The office is in Cherrybrook and appointments are welcome, but most greater-Sydney engagements run by phone, video and secure document exchange. The lender panel is made up of nationally available Australian lenders, so wherever in Sydney the property sits, the shortlist is rarely constrained by location. The practical work — scoping, shortlisting, packaging, lodging and tracking — happens the same way whether you are in Bondi, Parramatta, the north shore or the southern suburbs.

We draw on a broad panel of Australian lenders, from major banks through to smaller and non-bank lenders. The shortlist for your file is built on policy fit — how a lender treats your income type, deposit or equity, credit conduct and the product you want — rather than a single advertised number. We do not present lender names as endorsements and we explain the reasoning behind a shortlist in writing. A rate you cannot qualify for is not really available to you, so policy fit comes first.

Self-employed income is where most applications stall. Lenders read sole-trader profit, company salary, trust distributions and retained earnings very differently, and the add-backs that lift assessable income vary by lender. Because your returns and financials are prepared in the same practice, the income position is documented and consistent before the shortlist is set, which reduces repeated document requests. It does not change the lender’s criteria — approval still rests on their assessment — but it removes a common source of avoidable delay and mismatch.

Yes, and there is a reason to plan them together. The order in which facilities are arranged, the lender on each, and how a loan’s purpose is documented all affect both serviceability and the later tax treatment of interest. Where one practice handles the lending and the accounting, the structure can be set up cleanly from the start rather than untangled afterwards. Interest deductibility depends on how a loan is actually used and your circumstances — that is general information, confirmed with your accountant against the facts.

In most residential lending scenarios the lender pays broker commission, and that arrangement is explained in full in our Credit Guide before any application is submitted. For complex, commercial or specialist work a fee-for-service arrangement may apply; where it does, the fee is confirmed in writing before any work begins. Eligibility, lender criteria, fees and charges apply, and outcomes depend on the lender’s assessment of your circumstances. There is no specific rate quoted on this page because the rate that applies depends entirely on your file and the chosen lender.

A short scoping conversation first, to map your income shape, deposit or available equity, the property or purpose, and your timeline. After that, typically identification, recent income evidence (payslips or, for self-employed borrowers, returns and financials), details of existing debts and living expenses, and any contract or property details if a purchase is underway. Where the accounting already sits in the practice, the income documents are often on hand. From there we model realistic options before anything is lodged.