Mortgage Broker Sydney

A Proactive, Responsive Sydney Mortgage Broker

Mortgage Choice Sydney is a highly recommended mortgage broker in Sydney, renowned for winning multiple industry awards and building long-lasting client relationships. Our proactive and responsive service, combined with tailored mortgage solutions, sets us apart. As an experienced Sydney mortgage broker, we streamline the process for home and business owners seeking mortgages and finance, removing common pain points.

In the competitive Sydney market, buyers need to act swiftly. Our expertise and proactive approach enable us to compare home loans efficiently, securing the best mortgage rates for our clients. With a deep understanding of the Sydney property market and your financial objectives, we offer comprehensive mortgage comparisons from a wide range of lenders. Our guidance helps you select the right home loan products, increasing your chances of approval and ensuring you get the best deal possible.

We have a legal duty to put your interests first when recommending a home loan.

As your local mortgage broker, we can help you through the stressful process of securing finance for your first home, next home or investment property.

Once we find the most suitable home loan for you, we’ll also complete your loan application and follow it through to settlement, keeping you up to date along the way.

We enjoy helping our clients achieve their property aspirations and look forward to assisting you to achieve your property plans anywhere in Australia.

At Mortgage Broker Sydney, our home loan service is at no charge to our customers because the lenders pay us a commission after your home loan settles, so you get all of our expertise at no cost to you.

Our Latest Video – SMSF’s EXPLAINED! 🏠

SMSF's Explained

Our 2023 Stats



We are honored to assist our clients in purchasing and refinancing
Applications Submitted

Applications Submitted

We had a busy year lodging applications to lenders for our customers
First Home Buyers

First Home Buyers

We are passionate about assisting first home buyers purchase there first property
Revert Rates Reviewed

Revert Rates Reviewed

Post fixed rate expiry, we ensure you are on a market leading rate
Couple Signing Documents


  1. One-on-one relationship – when using Mortgage Broker Sydney, you typically deal with the same person throughout the whole process, meaning we are able to provide an extremely personalised service.
  2. Loan product selection with your best interests at heart. Mortgage Broker Sydney has a legal obligation to ensure the loan products offered are in your best interests.
  3. Complimentary property reports for any properties you are interested to purchase.
  4. Ongoing relationship – when you settle your loan with Mortgage Broker Sydney, our service doesn’t stop there! We are generally in contact with you once a year to make sure your product remains competitive and look at other ways of improving your wealth! We refer to this as our ongoing ‘Bank Manager’ service.

If you are a first home buyer, property investor or simply looking to refinance, Mortgage Broker Sydney can help you. We offer experienced advice for.

We have a strong passion for educating our customers

Top Rated Mortgage Broker in Sydney

At Mortgage Choice Sydney, referrals and recommendations are our largest source of business. As a highly recommended mortgage broker in Sydney, we are dedicated to maintaining high service standards to support our clients both in the short and long term. Our 5-star reviews and constant client recommendations are a testament to our commitment to excellence. We believe that our clients are the best advocates of our services, and our relationship-based business model ensures that no client feels like just another loan processed.

We provide a personalised service that is not restrictive like going directly to a bank, online lender, or an elitist city mortgage broker in Sydney CBD. At Mortgage Choice Sydney, we strive to deliver a tailored and responsive service that meets the unique needs of each client.

Google Reviews

Mortgage Choice Reviews

10 Sep 2023

5 stars

Thanks Ryan, Paul and Catherine. As always, you have been wonderful to deal with and made a complex process, both seamless and professional. I look forward to working with you all again in the future. Derek.


29 Aug 2023

5 stars

Paul Pappas, and his son Ryan Pappas, from Mortgage Choice have facilitated the purchase of three houses for us, as our circumstances have changed and we have needed very different homes over time. It has been a long relationship and they have been consistently excellent, always with our best interests at heart. Recently they helped us buy an investment property. Their professionalism and clear communication made the process so much less daunting and stressful. We would definitely recommend them.

Steven Miller

25 Aug 2023

5 stars

Really happy with the service from Ryan and the team. Despite it being over 3 years and many changes of mind on our part from our first meeting to when we settled on our home, Ryan was always both patient and responsive with all of our requests. He made the whole process very smooth and we wouldn’t hesitate to recommend his services.

Justin Smith

23 Jul 2023

5 stars

Ryan Pappas and the team have been incredibly helpful providing advice, helping me through the lending process and negotiating on my behalf for the best home loan rates and deals across the market over the last few years. Highly recommend reaching out if you need assistance! Big thanks!!


Most Recent Blogs


NSW First Home Buyer Grant Summary

So with all the talk about Government assistance to help first home buyers, are you confused about what you can receive?

Couple Inspecting Home

Steps In Purchasing Property

So you are thinking of purchasing your first home or upgrading. What are the steps?


Do I need a pre-approval?

Are you in the market for a property?
While buying a new home is an exciting experience, it can also prove very stressful, especially if you are competing for your dream home against a lot of other potential buyers.

Why See Mortgage Choice Sydney?

Choosing Mortgage Choice Sydney as your mortgage broker ensures expert guidance in navigating the Sydney property market. As a premier mortgage broker in Sydney, we offer tailored advice and access to a wide range of lenders with hundreds of loan options, including residential, commercial, business, and SMSF loans.
Our personalised service streamlines the entire loan process, negotiating competitive rates on your behalf. Our commitment to high service standards and client satisfaction is reflected in numerous 5-star reviews and recommendations. Partner with Mortgage Choice Sydney for a seamless and informed mortgage experience.

Buying Property in Sydney

The Sydney property market has seen significant changes over the past two years, especially in the CBD, North Shore, Western Suburbs, and Northern Suburbs. Entering the Sydney property market can be challenging, but opportunities still exist in the outer suburbs.
Buyers should be cautious of areas with an oversupply of apartments, as these are considered high-risk by major lenders, particularly the big four banks, which may require deposits of up to 30% from borrowers. Consulting with a Sydney mortgage broker before starting your property search is crucial.
Due to Sydney’s higher property values, securing the lowest loan repayments and incorporating features like an offset account or redraw facilities can help minimise fees and accelerate loan repayment.

Compare Home Loans & Mortgages in Sydney

We simplify the mortgage comparison process for our clients, making it easier to find the best home loan in Sydney. With access to a wide range of of products, our advanced software connects directly to the banks, streamlining the selection of the right owner-occupied or investment loan.

By discussing your short and long-term financial objectives, we gain a clear understanding of your needs, helping to minimize fees, charges, and lenders mortgage insurance (LMI) costs.

Loan Repayment Calculator

Securing a home loan can be confusing, especially when trying to determine how much you can borrow and what your loan repayments will be. Working with a Sydney mortgage broker like Mortgage Choice Sydney can alleviate this uncertainty. We use our home loan calculator, considering that each lender has unique policy restrictions and their own calculators. This tailored approach ensures you get accurate information, unlike generic online calculators that may provide incorrect figures. We assess your borrowing capacity and loan repayments, ensuring you can comfortably repay the loan without overextending your budget.