Sydney Mortgage Broker | Award-Winning | Save Thousands
Feeling unsure about your home loan options? You’re not alone. At MXJ Finance, we make things clearer. Our mortgage brokers in Sydney help everyday Australians buy, refinance, and invest with less stress and more confidence.
Whether you need a mortgage broker in Chatswood, a mortgage broker in Lane Cove, or a mortgage broker in Parramatta, we provide tailored, strategic home loan strategies built around your goals. With deep lending expertise and a supportive approach, we simplify the process to help you make smart financial decisions.
- Access to 40+ lenders
- Free strategy session with actionable advice
- Pay off your mortgage 7 to 10 years faster
- 125+ five-star reviews
- Award-winning service
Why Sydney Homeowners Choose MXJ Finance
Award-Winning Service
Our work has been recognised and awarded across the industry, including the Australian Small Business Champion Awards, Local Business Awards, and Australian Mortgage Awards. With over 10 years of hands-on lending experience, our Sydney mortgage brokers are ready to support even the most complex scenarios with confidence and care.
Proven Track Record
With 125+ glowing Google reviews, clients consistently praise our guidance, support, and responsiveness. Hear from clients about our mortgage broker in Sydney:
“Michael went above and beyond to help us with our loan, and I would recommend him to anyone looking for a broker,” – Connie L.
Strategic Approach
We go beyond loan approval. Our structured 7 to 10-year payoff strategies help reduce interest, build equity faster, and support long-term growth. Plus, every client receives a free 30-minute strategy session for a truly personalised plan.
True Independence
Unlike franchise brokers or single-bank channels, our mortgage brokers in Sydney compare 40+ lenders to help you avoid the loyalty tax. You receive personal service from our founder, Michael Jin, with honest advice and clear explanations at every step.
Sydney Mortgage Broker Services
First Home Buyers
Buying your first home can feel overwhelming, especially with rising prices and so many loan options.
A mortgage broker in Sydney can help first home buyers understand how much they can borrow, access government grants, and get loan pre-approval. If you’re unsure where to start or overwhelmed by options, we’ll walk you through it step by step.
Refinancing
If your rates keep climbing, refinancing can help you save thousands.
Get started with a free refinance review at MXJ Finance, where we’ll compare options to reduce interest, avoid loyalty tax, and potentially cut years off your mortgage with a structure that supports your long-term goals.
Investment Property Loans
Property investors often need more than standard loan approval. Our strategic mortgage brokers in Sydney help you grow your portfolio with the right loan structure, use your equity wisely, and ensure tax-efficient setups. Whether you need investment loans or an SMSF investment loan, we support you with solutions designed to maximise borrowing power without stretching you too far.
Whether you’re buying, refinancing, or investing, the right guidance can save you time and stress. Got questions or ready to take the next step? Let’s chat. Call us today or complete the enquiry form for a personalised loan assessment.
Simple 3-Step Process
- Free Strategy Session: We review your financial position, calculate borrowing capacity, and give you clear, actionable recommendations – with no obligation.
- Compare & Structure: We assess 40+ lenders to negotiate stronger rates and build a loan structure aligned with your goals.
- Application & Settlement: We prepare the paperwork, liaise with the lender, and keep you updated throughout. Our support extends well beyond settlement, encompassing future reviews and comprehensive loan strategy planning.
Serving All Sydney Suburbs
We frequently support clients across the North Shore with experienced mortgage brokers in St Leonards, Lindfield, Roseville, Mosman, Frenchs Forest, Willoughby, Artarmon, Hornsby, and more.
Our Sydney mortgage brokers also work with clients across wider Sydney, from Parramatta and Liverpool to Ryde. Whether you prefer in-person, phone, or video consultations, we help clients across NSW and Australia-wide with the same high level of care.
Why should I go with MXJ Finance?
Having assisted hundreds of clients and settled over $250 million of loans, we have a vast knowledge of different lending policies. We have also established close relationships with the lenders, enabling us to fast track applications and better assist with complex needs.
Our commitment to excellent client service has been recognised through recent industry awards:
- 2019 MPA Young Gun
- 2020 Finsure Young Gun
For client testimonials and reviews, click here.
What types of mortgages are there?
There are a number of mortgages to choose from:
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- Home loans
- Low doc loans for the self-employed
- Investor loans
- Expat or foreign income loans
- Self managed superannuation fund (SMSF) loans
- Fixed rate loan
- Interest-only loans
- Guarantor loans
Common Questions
How much does a mortgage broker in Sydney cost?
Our standard mortgage broking service is completely free as we’re paid by the lender once your loan settles.
How much deposit do I need?
You can buy with as little as 5% using government schemes. A 20% deposit helps you avoid paying Lenders Mortgage Insurance (LMI), a one-off cost that protects the lender. Certain occupations such as accountants, doctors and lawyers, can enjoy an LMI waiver.
Can you get better rates than banks?
Often yes. As an independent mortgage broker in Sydney, we compare 40+ lenders to find strong offers and access competitive rates. Our strong relationships also enable us to negotiate special off-market rates with selected lenders.
How long does approval take?
Pre-approval usually takes 1 to 3 business days, while full approval to settlement can take 2 to 6 weeks, depending on your lender and contract dates.
Which areas do you service?
Our Sydney mortgage brokers are based on the North Shore, but we help clients across NSW, including Chatswood, Lane Cove, Parramatta and beyond.
How are you different from franchises?
We’re fully independent with over 40 lenders. This enables us to offer personalised advice with strategic focus and without external pressure.
Refinancing is quick and easy with a trusted mortgage adviser.
Call us now for an assessment and guidance on next steps, at no cost to you.
Looking for professional, personal finance advice, refinancing or brokering?
Contact Michael Jin today. He has over 8 years in the finance industry, he can provide you personal and friendly service in finding the right finance for you. Michael has settled over $250 million of loans, helped over hundreds of client. 2019 mortgage industry magazine MPA finalist Young Gun of the year.
Servicing all areas of; Lindfield, Willoughby, Ryde, North Sydney, St Leonards, Sydney CBD – as well as surrounding areas of Sydney NSW
