The Bank Said It's Complicated.
We Say It's Our Specialty.
Sydney's mortgage broker for self-employed Australians, first home buyers, investors, and anyone who's been told no — or doesn't know where to start.
Sound Familiar?
Stop Guessing. Get Clarity.
Whether you're a first home buyer, self-employed, or want to refinance — we've solved it before.
Not sure how much deposit you need?
Most buyers don't know — we'll show you exactly.
The bank said no?
Banks reject 1 in 5 applications. Specialist lenders often say yes.
Self-employed with complex income?
ABN holders, sole traders, and contractors — we specialise in this.
Paying too much on your current loan?
Most Australians overpay by $400–$800/month. Find out in 60 seconds.
Our Clients
Who We Help
From self-employed to bank knockbacks — if your situation is complex, that's exactly where we specialise.
Self-Employed & ABN Holders
Banks built their forms for payslips. We use add-backs, BAS statements, and specialist lenders to maximise your borrowing power — even under 2 years ABN.
Self-Employed LoansThe Bank Said No
1 in 5 applications get rejected. A bank decline isn't the end — it's just the wrong lender. We know which specialist lenders say yes where banks don't.
Get a Second OpinionFirst Home Buyers
5% deposit. First Home Guarantee. Stamp duty exemptions. We'll tell you exactly what you qualify for and handle everything from pre-approval to keys.
First Home Buyer GuideProperty Investors
Building a portfolio? We structure loans to maximise borrowing capacity, access equity, and keep your tax position tight. 1 property or 10.
Investment LoansPaying Too Much?
Most Sydney borrowers overpay by $400–$800/month. A 10-minute rate review could save you thousands. We compare wide lender panel — not just your current bank.
Refinance & SaveComplex Situations
Islamic finance. Parental leave. Bad credit. New to Australia. Waived LMI for professionals. If your situation is unusual — we've seen it before.
Specialist FinanceFind Out How Much You Can Borrow
Enter your income and expenses. Get an instant estimate. Unlock your full personalised result.
Your Financial Details
Live Estimate
Estimated Borrowing Range
$620,000 – $790,000
Based on 6.5% p.a. with APRA 3% buffer
Unlock your full personalised result
How It Works
From first question to final approval — our brokers guide you through every step.
Tell Us
Answer a few questions about your income, expenses, and goals. Takes 2 minutes.
We Compare
Our brokers search across our wide panel of lenders — banks, credit unions and specialist lenders — to find your best rate.
Get Approved
We manage your application, liaise with the lender, and get you to settlement — stress free.
Client Case Studies
The following case studies are illustrative examples based on typical borrower scenarios. They do not represent specific individual clients. Actual outcomes depend on individual circumstances, lender assessment, and market conditions at time of application. Mortgagefy (Credit Representative No. 532656) provides credit assistance only and does not guarantee loan approval or specific outcomes.
Refinance — Sydney Homeowner, Epping
In this scenario, a homeowner refinanced from 7.18% to 5.94% — a saving of approximately $617/month based on a $650,000 loan over 30 years.
What we did: Compared wide lender panel, handled the full switch in under 2 weeks.
Illustrative example only. Individual outcomes vary.
First Home Buyer — Penrith, NSW
In this scenario, a first home buyer accessed the First Home Guarantee and stamp duty exemption, saving approximately $28,000 in upfront costs and purchasing with a 5% deposit.
What we did: Identified all eligible schemes, structured loan under First Home Guarantee.
Illustrative example only. Individual outcomes vary.
Self-Employed — Business Owner, Newtown
In this scenario, a business owner declined by 2 major banks had borrowing capacity increased by approximately $140,000 using an add-back strategy with a specialist lender.
What we did: Applied depreciation & vehicle add-backs, matched to specialist lender.
Illustrative example only. Individual outcomes vary.
Contractor — IT Professional, North Sydney
In this scenario, a contractor whose income was being assessed incorrectly by banks unlocked approximately $95,000 in additional borrowing capacity through correct income presentation.
What we did: Identified lender accepting annualised contractor day rate.
Illustrative example only. Individual outcomes vary.
Frequently Asked Questions
Real questions from Sydney borrowers. Straight answers from our broker team.
Still have a question? Our mortgage assistant answers instantly — free, no obligation.
Ask Our Mortgage AssistantReady to Find Your Right Home Loan?
Chat with our mortgage assistant above — free, no obligation, same-day callback.
Chat With Our Broker NowNo credit check · Free assessment · MFAA Accredited
Latest news and insights
Expert mortgage guides from our broker team — updated for 2026.
Wide lender panel · Banks + Specialists
Compare loan options from major banks and specialist lenders.
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.
Get your free Sydney borrower assessment
Free Sydney mortgage assessment — no obligation, plain English, real answers