Australia's Best Home Loans

Market-leading rates and world class service

Your independent lending expert

My Finance Agent is your FBAA Finance Broker of the Year for NSW & ACT

FBAA Finance Broker of the Year (NSW & ACT) 2023

My Finance Agent wins Best Professional Services in the Local Business Awards Sydney

Local Business Awards Winner Best Professional Services (Sydney) 2019 & 2024

5.0 CUSTOMER RATING

150+ reviews

FBAA FINANCE BROKER OF THE YEAR (NSW &ACT) 2024

Australia's award-winning mortgage broker My Finance Agent

Market-leading home loan rates + award-winning expertise

My Finance Agent got us a big cut in our interest rate. So happy and would them recommend to anyone. —Jenny

HUNDREDS OF HAPPY CUSTOMERS

Best mortgage broker near me - My Finance Agent Sydney & Bathurst - All your lending needs

60+ lenders means more options for you

LEAVE THE LEGWORK TO US

Our philosophy is that your home loan should set you on a path to security and financial freedom. Not a burden, but a wealth instrument.

Furthermore, with My Finance Agent you have peace of mind that your home loan is ALWAYS competitive. We review your loan annually to ensure that you are always getting the best deal to suit your situation.

So whether you're looking for a home loan pre-approval or refinancing your current mortgage, you have our promise that we never cease working to represent your best interests.

Refinance my home loan with Sydney's best mortgage broker

Why choose us as your broker?

Genuine care and attentive service.

My Finance Agent NSW Mortgage Broker of the Year

5.0 CUSTOMER RATING

150+ reviews

Our success hinges on your success

You can rely on us to ensure that the loan process goes smoothly.

Paperless process

Forget about the stress of a paper chase. Our document management process is nearly 100% electronic for your convenience, privacy and peace of mind.

Smooth settlement process

We coordinate with you and your parties, as well as the vendor's representatives, to make sure everything goes smoothly.

Follow up care & appreciation

Where other brokers wave goodbye, we turn up with a housewarming gift. We also conduct post-settlement check-ins and annual reviews for the life of your loan.

Customised strategy

Owning assets can open up all sorts of wealth-building opportunities. If you are interested in investing, retiring, growing a business, or simply paying off your mortgage sooner, we can help to devise a customised strategy.

There is more to getting a great home loan than just the interest rate.

We formulate a strategy around your near and distant goals. Our years of experience ensure personalised advice tailored to your specific needs.

Loan features you need

Unlock savings with loan features that reduce interest charges while enhancing flexibility and convenience. We tailor your loan features around your needs.

Competitive rate

Secure the most competitive interest rates tailored to your unique situation. Our expert team ensures you benefit from the lowest possible interest rate to maximise savings and reduce your loan costs.

Strategy

Other brokers write loans. We help our clients think strategically about managing their mortgage and leveraging opportunities to build wealth.

Your best interest

We look out for your best interest and match your needs from 60+ lenders. Your bank, on the other hand, has no duty of care to point you to better deals in the market.

Home Loan FAQs

We're here to answer all of your questions.

To be eligible for a residential owner-occupier home loan or refinance, you'll typically need a good credit history, stable income, and the ability to meet repayments. Lenders generally require a deposit of 5 to 20% for new loans, or at least 20% equity in your home for refinancing to avoid Lenders Mortgage Insurance (LMI). The lender will assess your debts, assets, liabilities, and the value of the property to ensure you can manage the loan. For refinancing, the lender also checks that switching loans will improve your financial position, either by reducing costs or offering better terms. Using our loan expertise, we conduct a pre-assessment before presenting your situation to lenders.
To apply for a new home loan, you'll generally need to provide proof of identity (such as a passport or driver's license), proof of income (recent pay slips, tax returns, or bank statements), and details of your assets and liabilities (such as savings, existing loans, and credit cards).

In the case of refinancing, in addition, you'll need documentation for your current loan. If you are seeking to release cash or equity, a property valuation will be required.
The home loan process includes getting a pre-approval (not necessary, but recommended), finding a suitable property, submitting a formal loan application, and completing the settlement. Our team will support you at every stage, making the process as seamless as possible. (Please also see our First Home Buyer Home Loan page.)

With refinancing, the process typically involves assessing your current loan, comparing offers from other lenders, and completing the necessary paperwork to switch loans.

Following settlement, we remain in touch to check that the loan is set up properly and running smoothly. We then conduct a loan review every year to ensure that your rate, terms and loan features are always market-leading for your situation.
A home loan pre-approval can take as a little as a few days. Once you have found a property to buy, home loan settlement typically takes around 2 to 4 weeks. Sometimes the buyer and seller agree to a longer setttement period.

Refinancing can take between 4 to 6 weeks, depending on the complexity of your situation.

Our mission is to keep everything on track and avoid unnecessary delays.
Home loan costs will include the deposit, stamp duty (depending on first home buyer scheme eligibility), legal and broker fees, and LendersMortgage Insurance, if applicable. We provide a clear breakdown of all potential costs associated with buying your first home to help you budget effectively.

With refinancing, there may be exit fees for your current loan and establishment fees for the new loan. Likewise, there may be a brokerage fee. We will help you understand any costs in an upfront and transparent manner.
The first step is assessing your financial situation and goals. We recommend starting with a consultation to discuss your needs and explore your loan options.

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Tailored home loan solutions for all Australians

Whether you are buying a home for the first time or refinancing an existing home loan, we see it as an opportunity to save you money, enhance your lifestyle, and help you work towards your future financial goals.

That's why we look at your home loan needs strategically.

We'll guide you through fixed and variable-rate options. Plus loan features, such as offset and redraw facilities, that can move you closer to financial flexibility and freedom.