How much can I borrow for a home loan?

It depends on your income, your living costs, your existing debts and your deposit. Each lender runs those numbers differently, so the same household can get very different answers from two banks. Our borrowing power calculator gives you a first estimate in a minute. A pre-approval then tells you what a real lender will lend, and we can arrange that for you.

Do I need a 20% deposit?

No. Eligible first home buyers can buy with a 5% deposit and no lenders mortgage insurance through the Australian Government 5% Deposit Scheme. Eligible single parents can buy with 2% through the Family Home Guarantee. A family guarantor can also stand in for most of the deposit. Outside the schemes, many lenders accept 10% with LMI. We check which of these fits you on the first call.

What if I have bad credit or am self-employed?

That is a large part of what we do. Some lenders accept one year of tax returns, BAS statements or an accountant letter instead of two years of financials. Specialist non-bank lenders look past older credit defaults if you can show how things have changed. We match your file to the lenders whose policy fits it, so you do not collect a string of declines on your credit report.

Why use a mortgage broker instead of a bank?

A bank can only offer its own loans. A broker compares many lenders, works out which ones will approve you, and handles the application for you. For most home loans the lender pays the broker, so the advice costs you nothing. Brokers also have a legal duty to act in your best interests, which a bank lender does not.

How much do your services cost?

Nothing, for home loans. The lender you choose pays us a commission once your loan settles, and that commission does not change your rate. We tell you how we are paid before you proceed. If a specialist commercial deal ever needs a fee, we put it in writing first and you decide.

How long does the loan process take?

Pre-approval usually comes back within a few business days once your documents are in. Formal approval after you sign a contract can take from a few days to a couple of weeks, depending on the lender, the valuation and how complex your file is. We chase the lender for you and tell you where things stand at every step.

Can you beat my current rate?

Often, but not always, and we will tell you honestly either way. We compare your current loan with what other lenders will offer someone in your position, then add up switching costs, discharge fees and any cashback. If staying put with a rate cut from your current lender is the better move, we say so.

What documents do I need for a home loan application?

Usually photo ID, your last two payslips, recent bank statements, statements for any debts, and details of the property once you have one. Self-employed applicants also need tax returns, notices of assessment or BAS, depending on the lender. We send you a checklist built for your situation, so you only gather what your lender will ask for.

Do you offer mortgage broker services across Sydney?

Yes. Our office is in Norwest and most of our clients live in the Hills District, Parramatta and Blacktown, but we work with buyers and homeowners right across Sydney, from the CBD to the Inner West and the North Shore. Meetings run in person, by phone or on video, so you get the same broker wherever you live.

Can a mortgage broker help with first home buyer loans?

Yes. First home buyers are a big part of our work. We check the 5% Deposit Scheme, the NSW stamp duty exemption, the First Home Owner Grant for new homes and the First Home Super Saver Scheme against your situation, then pick a lender that accepts the scheme you are using. You get one plan instead of four separate websites.

When should I refinance my home loan?

Worth a look when your fixed rate is ending, when your rate has not been reviewed in a year or two, when your property has gone up in value, or when you want to free up equity or consolidate debt. We compare your loan against the market and add up all the switching costs, so you only move if it leaves you ahead.

What is pre-approval and how do I get it?

Pre-approval is a lender saying it will likely lend you a set amount, subject to the property and final checks. It tells you your real budget and makes your offer stronger with agents. We collect your documents, pick a lender that suits your plans and lodge it for you. It usually lasts three to six months, depending on the lender.

Do you serve mortgage clients in the Sydney CBD?

Yes. We work with professionals living or working in the inner city, including Barangaroo, Pyrmont, Haymarket, Surry Hills, Ultimo, Darlinghurst and Potts Point. The whole application runs by phone, video call and secure e-signing, so CBD clients never need to take time off work to visit a branch. Evening calls and weekend meetings are available on request.

Can I use a Hills District broker if I'm buying in inner Sydney or the Eastern Suburbs?

Yes. The suburb you're buying in has no bearing on which mortgage broker you use. Communication, document collection and application management can all be done remotely by phone, video call and email. We have clients buying in Surry Hills, Crows Nest, Balmain, Randwick and many other Sydney suburbs.

Is Sydney still affordable for first home buyers in 2026?

Entry-level units in many Sydney suburbs remain within reach, particularly in western Sydney, the Hills District, Parramatta and along the new Metro lines. The federal 5% Deposit Scheme covers properties up to $1,500,000 in Sydney, which removes LMI for eligible buyers. The NSW First Home Owner Grant adds $10,000 for eligible new builds. We check every scheme you qualify for in your first call.

What is the average home loan size in Sydney?

Sydney has the largest average home loans in Australia, and the size swings a lot by suburb. A first unit in western Sydney needs a very different loan from a family home in Castle Hill or a terrace in the inner city. Larger loans narrow the lender list, because some lenders cap loan size or ask for a bigger deposit above certain amounts. We work across the whole range and use lenders suited to each loan size.

Do I need to meet my mortgage broker in person?

No. Most of our Sydney clients complete the whole process remotely. We handle communication, document collection, lender negotiation and the application digitally. If you would rather meet face to face, our Norwest office is open for appointments.

How do Sydney lenders assess my mortgage application?

Lenders look at your income (PAYG or self-employed), existing debts, living expenses, credit history, deposit and the property type. Each lender applies different serviceability buffers, policies and property criteria. Our job is to work out which lenders are most likely to approve you on the best terms, then manage the application for you.

How do I choose a mortgage broker in Sydney?

Check five things. Lender panel size, so you get a genuine market comparison. Fee structure, since a good broker charges you nothing and is paid by the lender on settlement. Verified Google reviews, ideally 100+ at 4.9 or better. Experience with your situation, whether that is first home buyer, investor or self-employed. And responsiveness, so you are kept informed throughout.

What does a mortgage broker in Sydney cost?

A reputable mortgage broker in Sydney should cost you nothing. RyRo charges no broker fees. We are paid a commission by the lender when your loan settles, which is disclosed upfront and does not change the rate you get. Under the Best Interests Duty we are legally required to act in your interests, not the lender's.

Is it worth using a mortgage broker in Sydney?

For most Sydney buyers, yes. Prices are high, so small differences in rate, fees and lender policy add up to real money over the life of a loan. A broker compares many lenders for you at no cost, knows which ones accept your income type and deposit, and handles the paperwork through to settlement. Going direct can still make sense if you already have a great deal and a simple file.

Mortgage broker Sydney · Norwest office

Mortgage Broker Sydney, Based in the Hills District

Name: RyRo Loan Centre
Address: Suite 201, Tower A Esplanade, 11 Solent Cct, Norwest, NSW, 2153, AU
Telephone: 1300 11 7976
Rating: 5.0

We compare home loans across a wide panel of lenders, find the ones that will approve you, and run the application through to settlement. Free to you, from our office in Norwest.

$0 broker fees: the lender pays us
First home buyers, upgraders, investors and refinancers
One broker from first call to settlement

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824
Asset finance: RyRo Asset Finance, ACR 565295

Updated November 2026

5.0From 360+ Google reviews Read them

Clients helped: 2,500+
Broker fees on home loans: $0
Loan review, no credit check: Free

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Pick where you are at. Each page explains how it works and what we do for you.

Every service in one place

We also structure the more complex deals

See all RyRo services, or start with our home loan broker in Sydney page.

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Home loans

Buying, building, renovating or switching.

Talk to us about a home loan

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First home buyers

Schemes, grants and stamp duty savings.

Plan my first home

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Investing and specialist

Investors, self-employed, professionals and complex deals.

Talk to us about investing

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Business and commercial

Business loans, commercial property and development finance.

Talk to us about business finance

RyRo Asset Finance

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RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.

Photos: Jakub Żerdzicki, Vitaly Gariev, Scott Graham, K8, Clay Banks, Troy Mortier, Jason Briscoe, Andre Taissin, Towfiqu barbhuiya on Unsplash.

Why RyRo

5 Reasons to Choose RyRo

We do not just find you a loan. We look after your interests from the first call to settlement, and after.

Our Norwest office
Suite 201, Tower A Esplanade. Meet in person, by phone or on video.
A wide panel of lenders
Major banks, regional banks and specialist lenders, compared in one place. We match your income, deposit and timing to the lenders most likely to say yes, so you do not have to apply at bank after bank.
$0 broker fees
For home loans the lender pays us, not you. No upfront fee, no hidden charges. Your money goes toward your deposit and moving costs instead.
Clients helped
2,500+
Home buyers, refinancers, investors and business owners, most of them from the Hills District and Sydney's north west.
5.0 from 360+ Google reviews
Local Sydney expertise
We are based in Norwest and work every day with buyers in the Hills District, Parramatta, Blacktown and across Sydney. We know the local schemes, the stamp duty rules and which lenders like which suburbs and property types.
Trusted by 2,500+ clients
More than 2,500+ clients have used RyRo for home loans, refinancing and investment finance. They rate us 5.0 from 360+ Google reviews.
A simple, low-stress process
Start with a free strategy call. No obligation and no credit check. We handle the paperwork, talk to the lender and keep you updated from application to settlement.
Recognised by the industry
AFG Award Winner 2013 to 2019 and AFG Excellence Awards finalist 2022 to 2026.

See which lenders would say yes to you

Tell us what you are planning. We compare lenders and call you back with a plan. Free, no obligation and no credit check.

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824

Get my free loan review

We generally respond within an hour.

Sound familiar?

Common situations we solve

Most people come to us with one of these. Here is what usually gets in the way, and what we do about it.

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824

First home buyer with a 5% deposit
The challenge: Saving 20% in Sydney can take years, and with less than that most lenders add lenders mortgage insurance (LMI) to the loan.
How we handle it: We check you against the 5% Deposit Scheme and the NSW stamp duty exemption, pick a participating lender that suits your income, and line up pre-approval before you bid.
The 5% Deposit Scheme Check if I qualify
Self-employed with irregular income
The challenge: Banks often average two years of tax returns, so a strong recent year, add-backs or a new ABN can get ignored.
How we handle it: We read your business the way your accountant does, then go to lenders whose policy fits: some accept one year of returns, others BAS or an accountant’s letter.
Self-employed and low doc loans Talk through my income
Refinancing to a sharper deal
The challenge: Your rate has drifted while new customers get better offers, and switching feels like a lot of paperwork for an unknown saving.
How we handle it: We compare your loan against the panel, ask your current lender to match where that makes sense, and if switching wins we run the whole move for you.
Refinancing with a broker Review my current loan
Upgrading before you sell
The challenge: You have found the next home, but your current one is not sold yet, so the timing and the two loans do not line up.
How we handle it: We work out whether bridging finance, a longer settlement or selling first suits you, and find a lender comfortable carrying both properties for a while.
Home loans for upgraders Plan my upgrade
Investor using equity
The challenge: The equity is sitting in your home, but the structure you set up now affects tax, risk and what you can borrow next time.
How we handle it: We release equity with a separate split for the deposit, keep investment and home debt apart, and pick a lender that treats rental income well.
Investment loan structuring Map out my next purchase
Declined by a bank
The challenge: One bank said no, and every new application leaves another enquiry on your credit file.
How we handle it: We find out why first, then match you to a lender whose policy actually fits, so the next application has a real chance and nothing is wasted.
Specialist and complex lending Find out what went wrong

These are common situations, not client stories. Every loan depends on your circumstances and the lender's policy. Upgrading? Read our bridging loans guide for Sydney upgraders.

Case studies

Real results for real clients

Three recent loans, with the real figures. Names and suburbs are left out to protect our clients' privacy.

Get a plan for my loan

Free, no obligation, no credit check.

Low doc exit
Self employed
Refinance
Cash out
Business loan

From low doc rates to a major bank, plus $150K for renovations and a $400K business loan

Home and investment loans refinanced: $1.6M
Cash out for renovations: $150K
Business loan approved: $400K

Sumit · 1:27

Buying the premises he runs his business fromSumit Joshi, RyRo Loan Centre · no tax returns, no savings, approved in a week

1. The situation
A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender.
2. What we did
Once their tax returns were finalised and showed enough income, refinanced both loans to a major bank on full doc pricing.
+3 more in the full story
3. The result
Much lower rates across $1.6M of home and investment lending.
+2 more in the full story

Read the full story

The situation

A self-employed couple had an owner-occupied loan of $935K and an investment loan of $665K with a non-bank lender. Another broker had set them up on low doc loans because their tax returns were not ready at the time, so both loans were on high rates.

What we did

Once their tax returns were finalised and showed enough income, refinanced both loans to a major bank on full doc pricing.
Included $150K cash out for a new kitchen, both bathrooms and landscaping.
Switched the investment loan to interest only, as requested by the clients on their accountant's advice.
Arranged a $400K business loan with the same bank, approved at the same time, to help them grow the business.

The result

Much lower rates across $1.6M of home and investment lending.
The renovation fully funded.
Capital in place to grow the business, all handled in one process with one broker.

Plan my move off low doc

The interest only change was made on the advice of the clients and their accountant. RyRo does not give tax advice. Speak to your accountant about negative gearing.

Client reviews

What Our Customers Say

Rated 5.0 from 360+ Google reviews. Real reviews, word for word.

5.0

From 360+ reviews on Google

57 reviews from first home buyers
40 reviews from refinancing
16 reviews from investors

Sumit · 2:59

A client story, in Sumit's wordsSumit Joshi, RyRo Loan Centre · client feedback, shared by Sumit

chris sukumar
5 months ago on Google
Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.
chris sukumar
5 months ago on Google
Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.
Jagdeep Gill
a year ago on Google
We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team
Jagdeep Gill
a year ago on Google
We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team
JignaSamir shroff
a year ago on Google
Had a great experience working with Sumit, Dean and the whole Ryro team. The process was seamlessley straightforward and we had no issues throughout the whole loan processing. Turaround time was less than 5 weeks, end to end. High recommend RYRO finance for SMSF and other home loans.
JignaSamir shroff
a year ago on Google
Had a great experience working with Sumit, Dean and the whole Ryro team. The process was seamlessley straightforward and we had no issues throughout the whole loan processing. Turaround time was less than 5 weeks, end to end. High recommend RYRO finance for SMSF and other home loans.
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Varun Kapoor
3 years ago on Google
It was a great experience working with Sumit to finance my new car! He did a fabulous job and got me a really good deal on finance. I got the best service and experience I could expect from this company for arranging my car finance. Highly recommend Sumit and his team for arranging any type of finance. I am definitely going to call them to arrange all my future finance needs. Thanks heaps :)
Varun Kapoor
3 years ago on Google
It was a great experience working with Sumit to finance my new car! He did a fabulous job and got me a really good deal on finance. I got the best service and experience I could expect from this company for arranging my car finance. Highly recommend Sumit and his team for arranging any type of finance. I am definitely going to call them to arrange all my future finance needs. Thanks heaps :)
gopichand paladugu
a year ago on Google
It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in every step of the process and patiently explained any questions we had. I strongly recommend him, if you are looking for mortgage broker services.
gopichand paladugu
a year ago on Google
It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in every step of the process and patiently explained any questions we had. I strongly recommend him, if you are looking for mortgage broker services.
Jowin Dubash
a month ago on Google
Sumit and his team helped with our loan approval. They explained each step thoroughly and kept us updated throughout the process. Would highly recommend.
Jowin Dubash
a month ago on Google
Sumit and his team helped with our loan approval. They explained each step thoroughly and kept us updated throughout the process. Would highly recommend.
chris sukumar
5 months ago on Google
Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.
chris sukumar
5 months ago on Google
Sumit at Ryroloan Centre made our first home possible Five stars for Sumit Joshi at Ryroloan Centre. As first home buyers we had no idea where to start. Sumit was easy to contact from day one. He picked up calls, replied to texts fast, and explained everything in simple terms. He secured us a really good rate that beat what our bank offered. The whole pre-approval and settlement process was smooth because he stayed on top of every document and deadline. I want to thank Dean and whole team thank you all. Couldn’t recommend Sumit more highly if you’re a first home buyer.
Jagdeep Gill
a year ago on Google
We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team
Jagdeep Gill
a year ago on Google
We had an absolutely outstanding experience with RyRo Loan Centre and I cannot thank Sumit enough for his incredible support throughout my investment loan process. It was very challenging process to get loan through SMSF but team made the whole process easy. RyRo Loan Centre is truly one of the best in the business and I cannot recommend them enough. Thanks Team
JignaSamir shroff
a year ago on Google
Had a great experience working with Sumit, Dean and the whole Ryro team. The process was seamlessley straightforward and we had no issues throughout the whole loan processing. Turaround time was less than 5 weeks, end to end. High recommend RYRO finance for SMSF and other home loans.
JignaSamir shroff
a year ago on Google
Had a great experience working with Sumit, Dean and the whole Ryro team. The process was seamlessley straightforward and we had no issues throughout the whole loan processing. Turaround time was less than 5 weeks, end to end. High recommend RYRO finance for SMSF and other home loans.
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Belinda White
2 years ago on Google
Sumit is an outstanding mortgage broker. He patiently worked through our application and got us an awesome result when many other brokers wouldn't assist as we are small business owners. Thank you!
Varun Kapoor
3 years ago on Google
It was a great experience working with Sumit to finance my new car! He did a fabulous job and got me a really good deal on finance. I got the best service and experience I could expect from this company for arranging my car finance. Highly recommend Sumit and his team for arranging any type of finance. I am definitely going to call them to arrange all my future finance needs. Thanks heaps :)
Varun Kapoor
3 years ago on Google
It was a great experience working with Sumit to finance my new car! He did a fabulous job and got me a really good deal on finance. I got the best service and experience I could expect from this company for arranging my car finance. Highly recommend Sumit and his team for arranging any type of finance. I am definitely going to call them to arrange all my future finance needs. Thanks heaps :)
gopichand paladugu
a year ago on Google
It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in every step of the process and patiently explained any questions we had. I strongly recommend him, if you are looking for mortgage broker services.
gopichand paladugu
a year ago on Google
It's been an amazing experience working with Sumit, he helped me through initial Mortgage loan and recently in refinancing my loan. He helped me in every step of the process and patiently explained any questions we had. I strongly recommend him, if you are looking for mortgage broker services.
Jowin Dubash
a month ago on Google
Sumit and his team helped with our loan approval. They explained each step thoroughly and kept us updated throughout the process. Would highly recommend.
Jowin Dubash
a month ago on Google
Sumit and his team helped with our loan approval. They explained each step thoroughly and kept us updated throughout the process. Would highly recommend.

O D
2 weeks ago on Google
My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊
O D
2 weeks ago on Google
My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊
Jahid Aslami
a month ago on Google
Huge thanks to Sumit at Ryro! He made securing my mortgage completely stress-free with his expert advice, quick turnarounds, and clear guidance throughout. Exceptional service from a team that truly cares about their clients. Highly recommended!
Jahid Aslami
a month ago on Google
Huge thanks to Sumit at Ryro! He made securing my mortgage completely stress-free with his expert advice, quick turnarounds, and clear guidance throughout. Exceptional service from a team that truly cares about their clients. Highly recommended!
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Info Nue Design Homes
a year ago on Google
Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
Info Nue Design Homes
a year ago on Google
Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
Karra Le
5 months ago on Google
For someone like us who's completely new to the home loan process and first home buyers, they're very responsive and answered all the questions we have. Sumit, Dean and Meet helped us get through the process and supported us all the way till the end. Their team is very knowledgeable and professional. Highly recommended!
Karra Le
5 months ago on Google
For someone like us who's completely new to the home loan process and first home buyers, they're very responsive and answered all the questions we have. Sumit, Dean and Meet helped us get through the process and supported us all the way till the end. Their team is very knowledgeable and professional. Highly recommended!
Lifeline Nurses Healthcare Provider
3 years ago on Google
RyRo Loan Centre represents among the highest levels of customer service I have experienced. Information provided was always accurate, responses to queries were turned around very fast. Answers were clear and where necessary detailed enough for me to make informed decisions quickly. I would highly recommend! Special thanks to Sumit, who is very humble, helpful, friendly, knowledgeable and thoughtful. He provided me with lots of help and support to get the right deal for my investment loan. All his responses were always prompt and professional.
Lifeline Nurses Healthcare Provider
3 years ago on Google
RyRo Loan Centre represents among the highest levels of customer service I have experienced. Information provided was always accurate, responses to queries were turned around very fast. Answers were clear and where necessary detailed enough for me to make informed decisions quickly. I would highly recommend! Special thanks to Sumit, who is very humble, helpful, friendly, knowledgeable and thoughtful. He provided me with lots of help and support to get the right deal for my investment loan. All his responses were always prompt and professional.
Conserve Conserve
a year ago on Google
It was great and an absolute pleasure working with Ryro finance, Sumit and his team for our SMSF LOAN application. They are an expert in this field and the whole process was seamless and stressfree. Didn't even imagine it could be so easy. Thank you Sumit, Dean and the who Ryro team. Best wishes for everything. Regards Samir.
Conserve Conserve
a year ago on Google
It was great and an absolute pleasure working with Ryro finance, Sumit and his team for our SMSF LOAN application. They are an expert in this field and the whole process was seamless and stressfree. Didn't even imagine it could be so easy. Thank you Sumit, Dean and the who Ryro team. Best wishes for everything. Regards Samir.
O D
2 weeks ago on Google
My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊
O D
2 weeks ago on Google
My wife and I are very happy and very greatful for all the help Sumit from RYRO LOAN CENTRE has helped us once again. We are so blessed to have had the opportunity to meet such a kind, hard working and wonderful person who will go above and beyond to get our home loan refinancing approved. So thank you very much summit. We will definitely be going back to RYRO team when we buy our next property. We will also recommend RYRO Loan Centre, especially Sumit to our family & friends! They are simply the BEST!! 😊
Jahid Aslami
a month ago on Google
Huge thanks to Sumit at Ryro! He made securing my mortgage completely stress-free with his expert advice, quick turnarounds, and clear guidance throughout. Exceptional service from a team that truly cares about their clients. Highly recommended!
Jahid Aslami
a month ago on Google
Huge thanks to Sumit at Ryro! He made securing my mortgage completely stress-free with his expert advice, quick turnarounds, and clear guidance throughout. Exceptional service from a team that truly cares about their clients. Highly recommended!
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Karl Gilbert
5 years ago on Google
When going thru the stress of purchasing a new home, it helps when you have friends that have gone thru the process. This is how I met Sumit, and the crew at RyRo Loan Centre. They made the whole process as painless and stress free as I could believe possible. Added to that, the fact that we needed the loan quickly approved before the Christmas break, Sumit and his team pulled out all the stops, to make sure we hit the time for settlement at the most difficult time of year. I wish to thank Sumit and his team for all their assistance, and the continual updates on rate information and advice.
Info Nue Design Homes
a year ago on Google
Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
Info Nue Design Homes
a year ago on Google
Our experience with Sumit and his team was wonderful. They guided us from start to finish in a professional and unbiased manner. They are a team of highly qualified well experienced professionals who can be relied upon for your personal and commercial loan needs. We strongly recommend them for your financial requirements and wish them all the very best.
Karra Le
5 months ago on Google
For someone like us who's completely new to the home loan process and first home buyers, they're very responsive and answered all the questions we have. Sumit, Dean and Meet helped us get through the process and supported us all the way till the end. Their team is very knowledgeable and professional. Highly recommended!
Karra Le
5 months ago on Google
For someone like us who's completely new to the home loan process and first home buyers, they're very responsive and answered all the questions we have. Sumit, Dean and Meet helped us get through the process and supported us all the way till the end. Their team is very knowledgeable and professional. Highly recommended!
Lifeline Nurses Healthcare Provider
3 years ago on Google
RyRo Loan Centre represents among the highest levels of customer service I have experienced. Information provided was always accurate, responses to queries were turned around very fast. Answers were clear and where necessary detailed enough for me to make informed decisions quickly. I would highly recommend! Special thanks to Sumit, who is very humble, helpful, friendly, knowledgeable and thoughtful. He provided me with lots of help and support to get the right deal for my investment loan. All his responses were always prompt and professional.
Lifeline Nurses Healthcare Provider
3 years ago on Google
RyRo Loan Centre represents among the highest levels of customer service I have experienced. Information provided was always accurate, responses to queries were turned around very fast. Answers were clear and where necessary detailed enough for me to make informed decisions quickly. I would highly recommend! Special thanks to Sumit, who is very humble, helpful, friendly, knowledgeable and thoughtful. He provided me with lots of help and support to get the right deal for my investment loan. All his responses were always prompt and professional.
Conserve Conserve
a year ago on Google
It was great and an absolute pleasure working with Ryro finance, Sumit and his team for our SMSF LOAN application. They are an expert in this field and the whole process was seamless and stressfree. Didn't even imagine it could be so easy. Thank you Sumit, Dean and the who Ryro team. Best wishes for everything. Regards Samir.
Conserve Conserve
a year ago on Google
It was great and an absolute pleasure working with Ryro finance, Sumit and his team for our SMSF LOAN application. They are an expert in this field and the whole process was seamless and stressfree. Didn't even imagine it could be so easy. Thank you Sumit, Dean and the who Ryro team. Best wishes for everything. Regards Samir.

Read all 360+ Google reviews

Get the same help with my loan

How it works

From first call to settlement in four steps

One broker the whole way. You always know what happens next and who is doing it.

Step 1 · Free
Free strategy call
We learn your goals, income, deposit and timing, and tell you plainly what is possible. No credit check.
Step 2
Compare lenders
We shortlist the lenders whose policy fits you and explain the trade-offs between them, not just the rate.
Step 3
Approval
We prepare and lodge the application, deal with every question the lender asks and keep you updated until it is approved.
Step 4
Settlement and after
We work with your conveyancer through settlement, then check in on your rate as your situation changes.

Start with step one

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824

Sumit · 1:07

The steps to buying a home in NSWSumit Joshi, RyRo Loan Centre · from our Instagram

Broker or bank?

Using a mortgage broker vs going direct to the bank

A bank can only sell you its own loans. A broker starts from your situation and works back to the lender. Here is how the two compare in practice. For the long version, read our guide to mortgage broker vs bank in Australia.

Going direct to one bank compared with using RyRo Loan Centre
Factor	With RyRo Loan Centre	Going direct to one bank
Lenders compared	Major banks, regional banks and specialist lenders	1 lender
Cost to you	$0 broker fees	Varies
Credit file impact	We pick the right lender before you apply	1 enquiry per application
Who does the paperwork	We prepare and lodge it for you	You
Ongoing support	We generally respond within an hour	Branch hours only
Legal obligation	Best Interests Duty (acts for you)	Sells their own products

For a standard home loan the lender pays us a commission after settlement. It does not change your interest rate, and we tell you how we are paid before you go ahead.

Clients on comparing banks and lenders with us

Usman Ali
2 years ago on Google
Excellent service provided by Sumit and team, they made the entire process really easy and simple, It was surprisingly quick as well.They have access to almost all banks and provide different flexible options. Sumit did very good assessment during intial estimation, reviewed the options, helped me prepare a to-do list and was very responsive throught the journey. Inputs provided by Sumit helped me in my decision making and team was supportive when i switched from one option to another. I am very happy with overall service provided by Ryro loan center team and would highly recommend it.
Usman Ali
2 years ago on Google
Excellent service provided by Sumit and team, they made the entire process really easy and simple, It was surprisingly quick as well.They have access to almost all banks and provide different flexible options. Sumit did very good assessment during intial estimation, reviewed the options, helped me prepare a to-do list and was very responsive throught the journey. Inputs provided by Sumit helped me in my decision making and team was supportive when i switched from one option to another. I am very happy with overall service provided by Ryro loan center team and would highly recommend it.
raj kumar
3 years ago on Google
Sumit helped us finding the right lender. He took note of our financial situation & needs and provided us the a list of lenders to choose from. Also, briefed us about the pros and cons of each lender thus helping us the best lender as per our needs.
raj kumar
3 years ago on Google
Sumit helped us finding the right lender. He took note of our financial situation & needs and provided us the a list of lenders to choose from. Also, briefed us about the pros and cons of each lender thus helping us the best lender as per our needs.
Tristan Ram
2 years ago on Google
Excellent service and Sumit is very approachable and explains everything in detail so that all your questions and concerns get addressed. Highly recommend him as previously I dealt with Commbank retail lenders who did not offer the same level of service.
Tristan Ram
2 years ago on Google
Excellent service and Sumit is very approachable and explains everything in detail so that all your questions and concerns get addressed. Highly recommend him as previously I dealt with Commbank retail lenders who did not offer the same level of service.

Compare your options in one call

One conversation, the whole panel checked, and a plan back from a Norwest broker. No fee for home loans.

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824

Compare lenders for me

We generally respond within an hour.

Our team

Meet the RyRo Loan Centre team

A small Norwest team, so you always know who is working on your loan. You deal with the same broker from the first call to settlement, and after.

Sumit Joshi of RyRo Loan Centre smiling in a blue suit and gold tie

Broker of the Year 2020Awarded to Sumit Joshi

Principal broker

Sumit Joshi JP

Justice of the Peace · Credit Rep 446824

Most brokers chase the lowest rate. We chase the lender that will actually say yes to your situation.

Sumit runs RyRo Loan Centre from Norwest. He works with Hills District families, first home buyers, self-employed clients and investors, including people the banks found too hard.

Sumit · 0:54

We guide you every step until settlementSumit Joshi, RyRo Loan Centre · Sumit on how we look after you

Broker of the Year 2020Awarded to Sumit Joshi
Since 2022Top Broker nomineeSumit Joshi has been nominated in the Top Broker category every year since 2022.
Since 2022Top Mortgage Groups nomineeRyRo Loan Centre has been nominated in the Top Mortgage Groups category every year since 2022.
5 yearsAFG Excellence Awards finalistFinalist five years in a row, 2022 to 2026.
7 yearsAFG Award WinnerSeven consecutive years, 2013 to 2019.

AFG awards and memberships

Loan processor

Kathryn Thomas

Kathryn looks after settlements and client updates, so someone is always chasing the lender and telling you where your loan is at.

RyRo Asset Finance

Rohan Joshi

Rohan arranges car and equipment finance: new and used cars, utes, work vehicles and machinery, for families and business owners.

Car loans with Rohan

RyRo Asset Finance Pty. Ltd., (ABN 69 682 063 896) an Authorised Credit Representative (ACR #565295) of Fintelligence Pty Ltd (ABN 80 625 017 174), Australian Credit Licence # 511803.

Our office in Norwest

How we work with you

One broker, start to finishThe same broker from the first call to settlement, and after.
Meet the way that suits youAt our Norwest office, by phone or on video.
Updates at every stageKathryn chases the lender and tells you where your loan is at.
Quick repliesWe generally respond within an hour.

Talk to Sumit about my loan

Free loan review. No obligation and no credit check.

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824

First home buyers

5% Deposit Scheme: No LMI Required

The Australian Government 5% Deposit Scheme helps first home buyers in NSW buy with a small deposit and no lenders mortgage insurance (LMI).

Check if I qualify

We check your eligibility on the first call.

Minimum deposit instead of 20%: 5%; Source: Housing Australia, 5% Deposit Scheme
Lenders mortgage insurance: the government guarantee replaces it: $0; Source: Housing Australia
Price cap for homes in Sydney: $1.5m; Source: Housing Australia, from 1 October 2025
No income caps and no limit on places: No cap; Source: Housing Australia, from 1 October 2025

Hand holding a set of house keys above small model houses — A 5% deposit can get you the keys years sooner than saving 20%. Photo: Jakub Żerdzicki / Unsplash

From 1 October 2025 it has no income caps and no limit on places. The price cap in Sydney is $1,500,000, so a lot more of the market is now in range.

Why the scheme matters in Sydney

It matters because saving 20% is the biggest hurdle for most first home buyers in Sydney. The scheme lets you buy sooner and skip the LMI bill.

Buy sooner. A 5% deposit instead of 20%.
No LMI. The government guarantee replaces mortgage insurance.
No income caps. Since 1 October 2025.
Higher price caps. Up to $1,500,000 in Sydney.

Read how we use it on our 5% deposit scheme page, see the wider help for first home buyers, or the step-by-step First Home Guarantee guide for Sydney.

5% Deposit Scheme: FAQ

What is the 5% deposit scheme and how does it work?

It is an Australian Government scheme that lets eligible first home buyers buy with as little as a 5% deposit. The government guarantees part of the loan, so the lender does not charge lenders mortgage insurance (LMI). You get into the market sooner and skip an insurance bill that normally applies below a 20% deposit.

Do I need to pay LMI with a 5% deposit?

Not if you use the scheme. When you meet the eligibility rules and the property is under the price cap, the guarantee replaces LMI. Outside the scheme, a 5% deposit loan would normally carry LMI. We confirm your eligibility before you start looking.

Who is eligible in NSW and what are the NSW price caps?

You need to be a first home buyer (or not have owned property in Australia in the last 10 years), an Australian citizen or permanent resident, and buying a home to live in. From 1 October 2025 the price cap is $1,500,000 in Sydney and the major regional centres, with a lower cap in the rest of NSW. Use the official price cap tool or ask us to check your suburb.

Is there an income cap or waiting list?

No. From 1 October 2025 the scheme has no income caps, and places are unlimited, so there is no waiting list. Your eligibility now comes down to being a first home buyer, the property price cap and the lender approving your loan.

What happens after I submit the eligibility form?

A broker reviews your details, checks the price cap for the area you want to buy in and calls you back with a plain answer and the next steps. There is no credit check at this stage and no obligation to go ahead.

First home buyers on working with us

Rene Rose Mae Tagle
8 months ago on Google
Sumit was instrumental in securing our first home whilst maintaining a constant channel for communication. Very patient with all our queries. He helped navigate the first home buyer provisions available to us and provided us with the product we were after. Can highly recommend.
Rene Rose Mae Tagle
8 months ago on Google
Sumit was instrumental in securing our first home whilst maintaining a constant channel for communication. Very patient with all our queries. He helped navigate the first home buyer provisions available to us and provided us with the product we were after. Can highly recommend.
Maria K
10 months ago on Google
We recently used Sumit and his team at RyRo to secure our very first home loan, and we honestly couldn’t be happier with the experience. From start to finish the team was super efficient and so accommodating to our needs. Everything was explained clearly, we were guided through each step, and made what could have been a stressful process feel completely seamless and straightforward. Sumit's professionalism and responsiveness gave us so much confidence, and we genuinely felt supported the whole way through. Thank you again to Sumit and his team!
Maria K
10 months ago on Google
We recently used Sumit and his team at RyRo to secure our very first home loan, and we honestly couldn’t be happier with the experience. From start to finish the team was super efficient and so accommodating to our needs. Everything was explained clearly, we were guided through each step, and made what could have been a stressful process feel completely seamless and straightforward. Sumit's professionalism and responsiveness gave us so much confidence, and we genuinely felt supported the whole way through. Thank you again to Sumit and his team!
Vandhana Naidu
a year ago on Google
We can't thank Sumit enough for helping us secure our first home—especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.
Vandhana Naidu
a year ago on Google
We can't thank Sumit enough for helping us secure our first home—especially in such a tough and competitive market. He truly went above and beyond at every step of the process. From answering all our questions with patience to finding the best possible deal, his dedication and expertise made all the difference. We always felt supported and informed, and his commitment gave us confidence during a very stressful time. Thanks to him, we're now proud homeowners. Highly recommend to anyone looking for a mortgage broker who genuinely cares.

Free tools

Free Mortgage & Property Calculators

Plan your purchase, estimate costs and check your borrowing power before you speak to a lender.

Calculator app on a phone held over a folder of paperwork

A calculator gives you a guess. We give you a lender-checked number.

Each lender works out borrowing power differently. We run your numbers against real lender policy, free.

Get my real borrowing power

Photo: Kelly Sikkema / Unsplash

See every tool on our mortgage calculators page.

Updated November 2026

Mortgage broker in Sydney

Quick answer

A mortgage broker in Sydney compares home loans across many lenders for you. We work out which of them will actually approve you, then prepare and manage the application through to settlement.

Compares home loans across 50+ lenders for you
Works out which lenders will actually approve you
Prepares and manages the application through to settlement
No broker fee to you: the lender pays us once your loan settles

Sydney Harbour on a sunny day with the Opera House, ferries and the city skyline — Sydney Harbour and the CBD. We work with buyers right across Sydney from our Norwest office. Photo: Dan Freeman / Unsplash

Our office is in Norwest, so the Hills District is home turf. Most of our clients live in Castle Hill, Baulkham Hills, Kellyville and around the Norwest Business Park. Our wider guide covers Hills District home loans.

If you are elsewhere in Sydney, from Parramatta and Blacktown to the CBD, the Inner West or the North Shore, everything on this page applies to you. The whole process can run by phone and video, so your postcode is not the deciding factor.

Buying is only half of what we do. If you already own, the two conversations worth having are refinancing with a broker and using your home equity for a renovation, an upsize or a first investment property. Both start the same way: a free strategy call, with no credit check.

5.0

from 360+ Google reviews

Quick answer

Who is the best mortgage broker in Sydney?

The best broker for you has a wide lender panel, charges you no fee and has a track record you can check with people in your situation. RyRo Loan Centre is rated 5.0 from 360+ Google reviews, has helped 2,500+ clients and charges $0 for home loans. Read the reviews, then book a call and compare us.

Google rating: 5.0
Reviews: 360+
Clients: 2,500+

for a standard home loan

Quick answer

What does a mortgage broker cost in Sydney?

For a standard home loan, nothing. The lender pays the broker a commission after settlement, and that payment does not change your interest rate. Brokers must tell you how they are paid before you proceed, and the Best Interests Duty means they must act for you, not the lender.

$0 broker fee for home loans
Commission paid by the lender after settlement
Best Interests Duty: we act for you

Market snapshot

The Sydney property market in 2026

Property prices: April 2026 snapshot. Scheme figures checked November 2026.

Aerial view of curving suburban streets lined with new family homes — New family homes in a growth corridor, like Sydney's north west. Photo: Shanjir H / Unsplash

Sydney property market figures for 2026
Metric	Sydney 2026
Median house price (Sydney, approx.)	$1,200,000 to $1,400,000
Median unit price (Sydney, approx.)	$750,000 to $850,000
5% Deposit Scheme price cap (Sydney)	$1,500,000
NSW stamp duty exemption, first home buyers	Homes up to $800,000 (concession up to $1,000,000)
First Home Owner Grant (NSW)	$10,000 for eligible new homes

Sources: price ranges are an April 2026 snapshot; scheme cap from Housing Australia; stamp duty and grant from Revenue NSW.

What is driving the Sydney market

Sydney is Australia's most expensive property market, with a wide gap between inner-city and outer-suburban prices. The Northwest Metro has driven strong growth in Norwest, Castle Hill and Kellyville. Metro West, linking Westmead and Parramatta to the CBD, is expected to support values along that corridor.

For first home buyers, the federal 5% Deposit Scheme covers homes up to $1,500,000 in Sydney. Add the NSW stamp duty exemption and that is a real way in. Our NSW stamp duty calculator and borrowing power calculator give you a first estimate before we talk.

What the numbers mean for you

First home buyers
Under $800,000 you pay no NSW stamp duty on an existing home, and the 5% Deposit Scheme removes LMI up to $1,500,000. Used together, they cut the cash you need on day one.
First home buyer help
Upgraders
Bigger Sydney loans narrow the lender list. Some lenders cap loan size or ask for more equity above set amounts, so lender choice matters more as the loan grows.
Using equity to upgrade
Investors
Lenders treat rental income, existing debts and loan structure very differently. The right structure up front can lift what you can borrow for the next property.
Investment loan structuring

Areas we serve

We Serve Clients Across Sydney

Hills District first: we are based in Norwest and know these suburbs street by street. From there, we help clients right across Sydney.

Home turf
Mortgage broker the Hills District
Rouse Hill, Box Hill, Bella Vista and the growth suburbs.
Photo: Shanjir H / Unsplash
Mortgage broker Norwest
Our office, Suite 201, Tower A Esplanade.
Mortgage broker Castle Hill
Upgraders, refinancers and family homes.
Photo: Brian Babb / Unsplash
Mortgage broker Baulkham Hills
Established homes, equity and refinancing.
Photo: Samantha Gilmore / Unsplash
Mortgage broker Kellyville
New estates, first home buyers and building.
Photo: Shanjir H / Unsplash
Every suburb we serveParramatta, Blacktown and the rest of greater Sydney.See all areas

Tower A Esplanade at Norwest lit up in the evening

Sumit Joshi standing at the RyRo Loan Centre reception in Norwest — Sumit at receptionTower A Esplanade, Norwest

Visit the office

Norwest, in the Hills District

Suite 201, Tower A Esplanade
11 Solent Cct, Norwest NSW 2153

In person
Video
Free parking

Meet in person, by phone or on video. Free parking on site.

Book a meeting with Sumit

Get directions

North west growth corridor

The Hills District, Parramatta and the growth corridor

Living or buying anywhere in The Hills Shire? Start with our guide for a mortgage broker in the Hills District. It covers the growth suburbs from Rouse Hill and Box Hill to Bella Vista.

Next door, we work with plenty of buyers in Parramatta and Blacktown, and right across greater Sydney. See every suburb on our areas we serve page.

Rouse Hill
Box Hill
Kellyville
Bella Vista
Schofields
Marsden Park
Parramatta
Blacktown

If you are looking for an experienced mortgage broker in Sydney, RyRo Loan Centre gives you personal advice, a wide lender panel and full support from application to settlement.

New estates and progress payments
A build is paid out in stages as it goes up. We pick lenders that release each stage without holding up your builder.
First home buyers
The 5% Deposit Scheme and the NSW grant for new homes both come into play here. We check which ones you can use.
House and land
Separate land and build contracts, two settlements and a valuation on a home not built yet. Some lenders handle this far better than others.

Why the lender matters out here

A lot of our work sits in the north west growth corridor, from Kellyville and Rouse Hill out to Box Hill, Schofields and Marsden Park. That is where first home buyers, house and land packages and construction loans meet, and where picking a lender that is comfortable with new estates and progress payments makes the biggest difference.

From the blog

Latest guides from our brokers

Browse all guides

Refinancing
St.George Home Loan Refinance: Fees, Steps and the Westpac Group Catch (2026)
Leaving St.George costs a $350 discharge fee per loan account plus NSW registration fees, and possibly break costs or LMI. Because St.George is part of the Westpac Group, moving to Westpac, Bank of Melbourne or BankSA is not the fresh start it looks like.
8 min read
Specialist
Home Loans for Nurses in Australia: How Lenders Assess Shift Work, Casual Pay and Packaging (2026)
Getting a home loan as a nurse comes down to how a lender reads your payslip. Here is how penalties, overtime, casual and agency income, salary packaging and the 2026 pay rise are assessed, plus your deposit options.
8 min read
Refinancing
Refinancing a Westpac Home Loan: Costs, Steps and When to Stay (2026)
Leaving Westpac costs a $350 discharge fee plus two NSW registration fees of $182.73, and possibly break costs or LMI. Here is how the switch works, how long it takes, and when asking Westpac to reprice is the smarter first move.
9 min read

New to the process? Start with how to get a home loan in Australia, or browse the RyRo blog.

Get my free loan review

5.0 from 360+ Google reviews
2,500+ clients helped
Credit Rep 446824

Answers on demand

Frequently Asked Questions

Common questions about working with a mortgage broker in Sydney, home loan eligibility, refinancing and borrowing power.

22 answers in 5 topics

Using a broker

A bank can only offer its own loans. A broker compares many lenders, works out which ones will approve you, and handles the application for you. For most home loans the lender pays the broker, so the advice costs you nothing. Brokers also have a legal duty to act in your best interests, which a bank lender does not.
For most Sydney buyers, yes. Prices are high, so small differences in rate, fees and lender policy add up to real money over the life of a loan. A broker compares many lenders for you at no cost, knows which ones accept your income type and deposit, and handles the paperwork through to settlement. Going direct can still make sense if you already have a great deal and a simple file.
Check five things. Lender panel size, so you get a genuine market comparison. Fee structure, since a good broker charges you nothing and is paid by the lender on settlement. Verified Google reviews, ideally 100+ at 4.9 or better. Experience with your situation, whether that is first home buyer, investor or self-employed. And responsiveness, so you are kept informed throughout.
The best broker for you is the one with a wide lender panel, no fees and a verifiable track record in your situation. RyRo Loan Centre is rated 5.0 from 360+ Google reviews, has a 50+ lender panel, $0 broker fees and 2,500+ clients helped. Book a free strategy call to see your options.
No. Most of our Sydney clients complete the whole process remotely. We handle communication, document collection, lender negotiation and the application digitally. If you would rather meet face to face, our Norwest office is open for appointments.

Costs and rates

Nothing, for home loans. The lender you choose pays us a commission once your loan settles, and that commission does not change your rate. We tell you how we are paid before you proceed. If a specialist commercial deal ever needs a fee, we put it in writing first and you decide.
A reputable mortgage broker in Sydney should cost you nothing. RyRo charges no broker fees. We are paid a commission by the lender when your loan settles, which is disclosed upfront and does not change the rate you get. Under the Best Interests Duty we are legally required to act in your interests, not the lender's.
Often, but not always, and we will tell you honestly either way. We compare your current loan with what other lenders will offer someone in your position, then add up switching costs, discharge fees and any cashback. If staying put with a rate cut from your current lender is the better move, we say so.
Worth a look when your fixed rate is ending, when your rate has not been reviewed in a year or two, when your property has gone up in value, or when you want to free up equity or consolidate debt. We compare your loan against the market and add up all the switching costs, so you only move if it leaves you ahead.

Borrowing and deposits

It depends on your income, your living costs, your existing debts and your deposit. Each lender runs those numbers differently, so the same household can get very different answers from two banks. Our borrowing power calculator gives you a first estimate in a minute. A pre-approval then tells you what a real lender will lend, and we can arrange that for you.
No. Eligible first home buyers can buy with a 5% deposit and no lenders mortgage insurance through the Australian Government 5% Deposit Scheme. Eligible single parents can buy with 2% through the Family Home Guarantee. A family guarantor can also stand in for most of the deposit. Outside the schemes, many lenders accept 10% with LMI. We check which of these fits you on the first call.
That is a large part of what we do. Some lenders accept one year of tax returns, BAS statements or an accountant letter instead of two years of financials. Specialist non-bank lenders look past older credit defaults if you can show how things have changed. We match your file to the lenders whose policy fits it, so you do not collect a string of declines on your credit report.
Yes. First home buyers are a big part of our work. We check the 5% Deposit Scheme, the NSW stamp duty exemption, the First Home Owner Grant for new homes and the First Home Super Saver Scheme against your situation, then pick a lender that accepts the scheme you are using. You get one plan instead of four separate websites.
Entry-level units in many Sydney suburbs remain within reach, particularly in western Sydney, the Hills District, Parramatta and along the new Metro lines. The federal 5% Deposit Scheme covers properties up to $1,500,000 in Sydney, which removes LMI for eligible buyers. The NSW First Home Owner Grant adds $10,000 for eligible new builds. We check every scheme you qualify for in your first call.
Sydney has the largest average home loans in Australia, and the size swings a lot by suburb. A first unit in western Sydney needs a very different loan from a family home in Castle Hill or a terrace in the inner city. Larger loans narrow the lender list, because some lenders cap loan size or ask for a bigger deposit above certain amounts. We work across the whole range and use lenders suited to each loan size.

The process

Pre-approval usually comes back within a few business days once your documents are in. Formal approval after you sign a contract can take from a few days to a couple of weeks, depending on the lender, the valuation and how complex your file is. We chase the lender for you and tell you where things stand at every step.
Usually photo ID, your last two payslips, recent bank statements, statements for any debts, and details of the property once you have one. Self-employed applicants also need tax returns, notices of assessment or BAS, depending on the lender. We send you a checklist built for your situation, so you only gather what your lender will ask for.
Pre-approval is a lender saying it will likely lend you a set amount, subject to the property and final checks. It tells you your real budget and makes your offer stronger with agents. We collect your documents, pick a lender that suits your plans and lodge it for you. It usually lasts three to six months, depending on the lender.
Lenders look at your income (PAYG or self-employed), existing debts, living expenses, credit history, deposit and the property type. Each lender applies different serviceability buffers, policies and property criteria. Our job is to work out which lenders are most likely to approve you on the best terms, then manage the application for you.

Mortgage broker Sydney: your questions answered

Yes. Our office is in Norwest and most of our clients live in the Hills District, Parramatta and Blacktown, but we work with buyers and homeowners right across Sydney, from the CBD to the Inner West and the North Shore. Meetings run in person, by phone or on video, so you get the same broker wherever you live.
Yes. We work with professionals living or working in the inner city, including Barangaroo, Pyrmont, Haymarket, Surry Hills, Ultimo, Darlinghurst and Potts Point. The whole application runs by phone, video call and secure e-signing, so CBD clients never need to take time off work to visit a branch. Evening calls and weekend meetings are available on request.
Yes. The suburb you're buying in has no bearing on which mortgage broker you use. Communication, document collection and application management can all be done remotely by phone, video call and email. We have clients buying in Surry Hills, Crows Nest, Balmain, Randwick and many other Sydney suburbs.

More questions? Get in touch

Want to talk through your situation? Request a free strategy call. Borrowing power, first home buyer schemes, refinancing or something specific to you, we are happy to help.

We generally respond within an hour. Prefer to pick a time? Book your strategy call online or contact us. Or call 1300 11 7976.

Sumit Joshi JP

Principal broker, Credit Rep 446824

A broker reads your details and calls you back
No obligation and no credit check
Free for home loans: the lender pays us

Sumit · 2:56

Approved in days after her broker went quietSumit Joshi, RyRo Loan Centre

Mortgage Broker Sydney, Based in the Hills District

Home loan and mortgage broker services in Sydney

We also structure the more complex deals

Home loans

First home buyers

Investing and specialist

Business and commercial

Car and equipment

5 Reasons to Choose RyRo

A wide panel of lenders

$0 broker fees

Local Sydney expertise

Trusted by 2,500+ clients

A simple, low-stress process

Common situations we solve

First home buyer with a 5% deposit

Self-employed with irregular income

Refinancing to a sharper deal

Upgrading before you sell

Investor using equity

Declined by a bank

Real results for real clients

From low doc rates to a major bank, plus $150K for renovations and a $400K business loan

1. The situation

2. What we did

3. The result

Homeowners lock in two years of repayment certainty

1. The situation

2. What we did

3. The result

$200K for renovations without refinancing the existing loans

1. The situation

2. What we did

3. The result

What Our Customers Say

From first call to settlement in four steps

Free strategy call

Compare lenders

Approval

Settlement and after

Using a mortgage broker vs going direct to the bank

Meet the RyRo Loan Centre team

Sumit Joshi JP

Kathryn Thomas

Rohan Joshi

5% Deposit Scheme: No LMI Required

Why the scheme matters in Sydney

5% Deposit Scheme: FAQ

What is the 5% deposit scheme and how does it work?

Do I need to pay LMI with a 5% deposit?

Who is eligible in NSW and what are the NSW price caps?

Is there an income cap or waiting list?

What happens after I submit the eligibility form?

Free Mortgage & Property Calculators

Mortgage broker in Sydney

Where our clients liveHills District home turf, plus Parramatta, the CBD and the rest of Sydney.

Already own? Refinancing and equityA better rate, or your equity for a renovation, upsize or investment.

Who is the best mortgage broker in Sydney?

What does a mortgage broker cost in Sydney?

The Sydney property market in 2026

What is driving the Sydney market

What the numbers mean for you

First home buyers

Upgraders

Investors

We Serve Clients Across Sydney

Norwest, in the Hills District

The Hills District, Parramatta and the growth corridor

Why the lender matters out here

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Frequently Asked Questions

Using a broker

Why use a mortgage broker instead of a bank?

Is it worth using a mortgage broker in Sydney?

How do I choose a mortgage broker in Sydney?

Who is the best mortgage broker in Sydney?

Do I need to meet my mortgage broker in person?