Sydney remains one of the most expensive and competitive property markets in the world, with house prices well above $1 million in many areas and apartments typically lower (check current figures from a property data provider). 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 exemptions or concessions (may vary by property price and circumstances; check Revenue NSW), 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, which may reduce LMI costs, depending on the lender and your circumstances. 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, Islamic home finance is offered by specialist providers, and we can help you explore your options. Confirm Shariah compliance directly with your chosen provider.
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.
