Sydney Mortgage Broker Services
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.
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.
Common Questions
Our standard mortgage broking service is completely free as we’re paid by the lender once your loan settles.
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.
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.
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.
Our Sydney mortgage brokers are based on the North Shore, but we help clients across NSW, including Chatswood, Lane Cove, Parramatta and beyond.
We’re fully independent with over 40 lenders. This enables us to offer personalised advice with strategic focus and without external pressure.
Securing a loan with our team
Contact our team by filling out an online form or sending us an email today.
One of our professionals will provide you with the necessary onboarding and information forms and assist you in filling them out.
After reviewing the forms, we will present you with your borrowing potential and a range of lender options to choose from.
Our panel of lenders
With access to over 40 leading lenders, including the big four banks, we can help you get a loan that suits your individual circumstances.
