How much can I borrow for a Sydney home loan?

Borrowing capacity depends on your income, debts, and deposit. Most lenders lend approximately 5–7x gross annual income. Use our Borrowing Power Calculator or call for a free assessment.

How much stamp duty will I pay on a $1 million Sydney property?

Approximately $40,335 for a non-FHB owner-occupier. First home buyers purchasing under $800,000 pay no stamp duty; concessions apply up to $1,000,000, saving up to $66,000.

Are there Islamic home finance options in Sydney?

Yes — Sharia-compliant finance using Diminishing Musharakah and Ijarah structures is available through Hejaz Financial Services.

Can I get waived LMI as a professional in Sydney?

Yes — doctors, dentists, lawyers, and certain other professionals can access waived LMI at up to 90% LVR, saving $15,000–$30,000+ on a Sydney purchase.

How much could I save by refinancing my Sydney mortgage?

On a $700,000 loan, reducing your rate by 0.5% saves approximately $210/month. On $1.2M, the same saving is around $360/month. We search across our wide panel of lenders at no cost.

Speak to a Broker Now — 0432 634 648 · Mon–Sat 9am–7pm

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Home Sydney

Greater Sydney & All Regions

Mortgage Broker in
Sydney

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

Mortgagefy Broker Team · Published 2026-04-07 · Last reviewed 2026-04-29

Sydney is one of the world's most competitive property markets — and navigating it alone is harder than ever. Whether you're a first home buyer taking advantage of up to $66,000 in stamp duty savings, a professional looking at waived LMI, or an investor building a portfolio, Mortgagefy can help. We search across a wide panel of lenders to find the right fit across every Sydney region.

All Sydney Regions

Up to $66K FHB Concessions

Wide lender panel · Banks + Specialists

Check Borrowing Power Call 0432 634 648

Free Mortgage Assessment — Sydney

A local broker will contact you within 24 hours. No obligation.

Common Questions We Answer Every Day

Sydney buyers, refinancers, and investors come to us with these questions — and we have clear answers for all of them.

How much can I borrow in Sydney?

Borrowing capacity depends on your income, existing debts, and deposit. We'll run the numbers for free — usually within the same business day.

How much stamp duty will I pay in NSW?

First home buyers can save up to $66,000 in stamp duty concessions on eligible Sydney properties. We'll confirm exactly what you qualify for.

Can I buy in Sydney with less than 20% deposit?

Yes — the First Home Guarantee allows 5% deposit with no LMI. Professionals can access waived LMI at 10%. We'll identify the right path for your situation.

I'm paying too much on my mortgage — what can I do?

Many Sydney homeowners are overpaying after rate rises. We'll compare your rate against a wide panel of lenders and show you exactly what you could save by refinancing.

Can I get a mortgage if I'm self-employed in Sydney?

Yes — we work with lenders who offer full-doc and low-doc solutions for self-employed borrowers across all industries, with 1+ year ABN history.

Are there Islamic finance options in Sydney?

Yes — Sharia-compliant home finance is available through Hejaz Financial Services. No riba, fully compliant structures.

Why Sydney Buyers Choose Mortgagefy

Sydney's property market is complex. Getting the right loan requires more than just the best rate.

Sydney remains one of the most expensive and competitive property markets in the world, with a median house price of approximately $1.4 million and median apartments around $800,000. For buyers at every stage — from first home buyers in the west to investors adding to city portfolios — the gap between the right lender and the wrong one can mean tens of thousands of dollars over the life of a loan.

Mortgagefy serves buyers across all of Greater Sydney, including South West Sydney, Western Sydney, Parramatta, Campbelltown, the Hills District, Northern Sydney, and the Eastern Suburbs. Our specialist knowledge spans the full spectrum of Sydney borrowers: first home buyers accessing the First Home Guarantee and stamp duty concessions of up to $66,000, refinancers who moved onto higher variable rates in 2022–23 and haven't reviewed since, and investors building portfolios in high-yield corridors like Liverpool, Bankstown, and the Western Sydney Airport precinct.

We also work extensively with Sydney's professional community — doctors, dentists, lawyers, and engineers who qualify for waived LMI professional packages, saving $10,000–$30,000+ on their purchase. Self-employed Sydneysiders — from tradies in the outer suburbs to business owners in Parramatta's CBD — have specialist low-doc and alt-doc options through our lender network. And for Sydney's large and growing Muslim community, Sharia-compliant home finance is available through our Islamic finance specialists.

We search across our wide panel of lenders — including the big four banks, non-bank lenders, and specialist lenders that don't advertise directly to the public. Our service is completely free to you. We're paid by the lender, not the borrower.

~$1.4M

Sydney Median House

$66K

FHB Stamp Duty Savings

Min Deposit (FHG)

Wide Panel

Banks + Specialists

How We Help Sydney Clients

Whatever your situation across Greater Sydney, we have a lending solution. Here's what we help with.

First Home Buyer Loans

Up to $66,000 in stamp duty concessions, 5% deposit schemes, and $10,000 FHOG on new builds — get into Sydney sooner.

Learn more

Refinance

Already own in Sydney? Compare your current rate and potentially save hundreds per month by switching to a better deal.

Learn more

Investment Property Loans

Interest-only options, equity release, and tax-effective structuring for Sydney investors at every stage of portfolio growth.

Learn more

Self-Employed Loans

Tradies, business owners, contractors — full-doc and low-doc options for self-employed Sydneysiders with 1+ year ABN.

Learn more

Waived LMI for Professionals

Doctors, lawyers, and dentists can purchase with 10% deposit and no LMI — saving up to $30,000 on a Sydney purchase.

Learn more

Islamic Finance

Sharia-compliant home finance options for Sydney's Muslim community — Diminishing Musharakah and Ijarah structures available.

Learn more

Why Choose Mortgagefy

Sydney's property market is complex. We make it simple — with the right lender, the right rate, and zero broker fees.

All Sydney Regions

We serve buyers across every part of Greater Sydney — from Penrith to the Eastern Suburbs, Hills to the Shire.

Wide Lender Panel

Major banks, non-bank lenders, and specialist lenders — including products never advertised directly to borrowers.

Free Service

We're paid by lenders, not you. Our advice and service comes at no cost to you whatsoever.

Fast Response

Same-day response guaranteed. Pre-approval typically within 48–72 hours of full application.

Get Your Borrowing Capacity, Rate Guide & Free Property Valuation

Submit your details and we'll send you:

Your estimated borrowing capacity based on your income
A current rate guide from our wide panel of lenders for your situation
A free property valuation for your target Sydney property

What Our Sydney Clients Say

MFAA Accredited · Free Assessment

"I'd been with the same bank for 11 years and hadn't reviewed my rate once. Mortgagefy switched me to a new lender and I'm saving $340 per month. I only wish I'd called them sooner. The whole process took 3 weeks."

Michael C.

Chatswood, Refinance

"Mortgagefy helped me access the First Home Guarantee and I bought my first place in Penrith with just 5% deposit — no LMI. They explained every step clearly and we settled within 6 weeks. Highly recommend."

Aisha K.

Penrith, First Home Buyer

"As a self-employed plumber the major banks wouldn't look at me. Mortgagefy found a lender who assessed my bank statement income instead of tax returns. Approved in Ryde within 7 weeks. Exceptional service."

Carlos S.

Ryde, Self-Employed Plumber

Wide lender panel · Banks + Specialists

Compare loan options from major banks and specialist lenders.

Explore All Our Lenders

Wide lender panel · Banks + Specialists Personalised Loan Options No Obligation Assessment

We work with a wide panel of lenders across Australia. We are not tied to any one lender and compare loan options to help find a solution that suits your needs. All applications are subject to lender approval and lending criteria.

Frequently Asked Questions — Sydney

Borrowing capacity in Sydney depends on your gross income, existing debts (credit cards, car loans, HECS), living expenses, and deposit size. As a rough guide, most lenders will lend approximately 5–7x your annual gross income — so a household income of $150,000 may support borrowing of $750,000–$1,000,000 depending on your situation. Use our Borrowing Power Calculator for a personalised estimate, or call us for a free assessment.

For an owner-occupier who is not a first home buyer, stamp duty on a $1,000,000 Sydney property is approximately $40,335 in NSW. First home buyers purchasing for less than $800,000 pay no stamp duty; between $800,000 and $1,000,000 a concessional rate applies, saving up to $66,000 compared to an investor or upgrader purchasing the same property. We'll confirm your exact entitlements at your free consultation.

The NSW First Home Owner Grant (FHOG) provides $10,000 for eligible first home buyers purchasing or building a new home valued under $600,000. The grant does not apply to established properties. To be eligible you must be an Australian citizen or permanent resident, aged 18+, and have not previously owned property in Australia. The First Home Guarantee (5% deposit, no LMI) applies to both new and established properties up to $900,000 in NSW.

Yes — Sharia-compliant home finance is available through Hejaz Financial Services. These products use Diminishing Musharakah (co-ownership gradually transferred to the buyer) or Ijarah (lease-to-own) structures to avoid riba (interest). We serve Sydney's Muslim community across all regions — Lakemba, Bankstown, Parramatta, Liverpool, and beyond.

Yes — certain professions qualify for Lenders Mortgage Insurance waivers at up to 90% LVR. Eligible professions typically include doctors (including GP, specialists, and dentists), lawyers, some accountants, and engineers. On a $1 million Sydney purchase with 10% deposit, this can save you $15,000–$25,000 in LMI costs. We'll confirm your eligibility at your free assessment.

Savings vary significantly depending on your current rate, loan size, and remaining term. On a $700,000 loan, reducing your rate by 0.5% saves approximately $210 per month ($2,500+ per year). On a $1.2 million loan, the same reduction saves around $360 per month. We'll conduct a full comparison across our wide panel of lenders and present you with exact numbers — no cost, no obligation. Many Sydney homeowners who refinanced with us saved $3,000–$8,000 per year.

Sydney Regions We Serve

We serve buyers, refinancers, and investors across all of Greater Sydney.

South West Sydney Western Sydney Parramatta Campbelltown Bankstown Lakemba

Ready to Buy or Refinance in Sydney? Let's Talk.

Get expert mortgage advice from a broker who serves all of Greater Sydney. Free assessment, no obligations.

Check Borrowing Power Call 0432 634 648

Also relevant: Revesby

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Get your free Sydney borrower assessment

Free Sydney mortgage assessment — no obligation, plain English, real answers

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Mortgage Broker inSydney

Free Mortgage Assessment — Sydney

Common Questions We Answer Every Day

How much can I borrow in Sydney?

How much stamp duty will I pay in NSW?

Can I buy in Sydney with less than 20% deposit?

I'm paying too much on my mortgage — what can I do?

Can I get a mortgage if I'm self-employed in Sydney?

Are there Islamic finance options in Sydney?

Why Sydney Buyers Choose Mortgagefy

How We Help Sydney Clients

First Home Buyer Loans

Refinance

Investment Property Loans

Self-Employed Loans

Waived LMI for Professionals

Islamic Finance

Why Choose Mortgagefy

All Sydney Regions

Wide Lender Panel

Free Service

Fast Response

Get Your Borrowing Capacity, Rate Guide & Free Property Valuation

What Our Sydney Clients Say

Wide lender panel · Banks + Specialists

Frequently Asked Questions — Sydney

Sydney Regions We Serve

Ready to Buy or Refinance in Sydney? Let's Talk.

Get your free Sydney borrower assessment

Mortgage Broker in
Sydney