HOME LOANS
How your LVR impacts your home loan
By Megan Birot
How our Sydney mortgage brokers can help
We go above and beyond to save Sydney and NSW homeowners more money.
Step 1
Pre-qualify
Chat with a broker at a time that suits you. We'll take the time to understand your goals and financial situation.
Check if I qualify
Step 2
Compare
We go beyond the basics, comparing dozens of lenders to uncover the most competitive options to suit you.
Compare home loans
Step 3
GET YOUR LOAN
From paperwork to progress updates, we handle the details every step of the way so you don't have to.
Apply for a loan
Some of the lenders our brokers work with
){kind=logo}
){kind=small}
){kind=small}
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
){kind=logo}
){kind=small}
){kind=small}
Hear from some of our existing clients...
How our expert team can help Sydney buyers
In a competitive market like Sydney, preparation is everything. Our mortgage brokers and lending specialists do more than just secure a competitive rate – we help you move quickly with fast pre-approval and expert guidance on structuring your loan for long-term success.
We blend industry expertise with smart technology to give you access to a broad panel of lenders and some of the most competitive rates, features (e.g. offset account and redraw facility), and loan packages available.
Whether you're looking for the right loan structure or need tailored options due to complex finances, we’re here to provide clear, expert guidance to help you make confident, informed decisions.
Our Sydney-based mortgage brokers also support home buyers across New South Wales, including areas like Newcastle, the Central Coast, Wollongong, Maitland, Albury, Coffs Harbour, and many regions in between.
Akos’s smooth refinance journey with Money.com.au
Akos from Woodford, NSW
“We wanted to refinance to a lower rate and unlock equity in our home for a variety of needs and opportunities. Refinancing can be daunting – especially if you run your own business and have a complex financial situation like we do – but the team at Money.com.au were exceptionally helpful. They were excellent communicators, told us exactly what information we needed to provide, and then handled the rest. I can’t recommend them highly enough. They found a bank willing to work with our complex financial situation, which allowed us to unlock equity in our home.”
Akos from Woodford, NSW
Types of Sydney borrowers our mortgage brokers can help
- First home buyers: If you’re not sure where to start, we can compare first home buyer loans and help you understand which NSW grants you may qualify for.
- Refinancers: It’s a good idea to review your home loan each year and consider refinancing every two to three years to ensure you’re still getting a competitive deal.
- Investors: Choosing the right investment loan and structure can make a big difference to your property goals and returns, looking at more than just a low rate.
- Downsizers and upsizers: From bridging loans to flexible repayment options, we’ll guide you every step of the way to ensure a smooth move into your next home.
- Low doc and self-employed borrowers: We understand the challenges self-employed borrowers face, which is why we partner with lenders who specialise in low doc home loans.
- Borrowers with complex scenarios: Bad credit home loans can be a stepping stone into the market, and we’ll help you plan to refinance down the track as your financial position improves.
A word from one of our Sydney mortgage brokers…
Michael Burgess, Sydney Mortgage Broker
“If you’re refinancing or buying a new home and have at least 30% equity or deposit (which means your LVR is under 70%), you’re likely in a strong position to access some of the lowest rates and most competitive loan packages available. Once we've shared our recommendations and you've chosen the right product for you, we’ll take care of the legwork and negotiate with lenders on our panel to help secure a great deal. Best of all, we’ll keep you informed every step of the way and answer any questions you have, making your homebuying journey smooth, stress-free and memorable for all the right reasons.”
Michael Burgess, Sydney Mortgage Broker
In 2025, we looked at thousands of NSW borrowers applying for home loans through Money.com.au. On average, properties were valued at $1,005,322, with buyers contributing around $395,596 in deposits or usable equity – resulting in a typical loan-to-value ratio (LVR) of 60.6%.
Breaking it down further: owner-occupiers were buying homes averaging $931,418, with deposits of $206,258, while investors tended to purchase slightly lower-priced properties, around $868,867, with deposits averaging $177,742.
Refinancers were generally dealing with higher-value properties. Owner-occupiers refinancing had homes worth an average of $1,298,212, with $678,489 in equity, while investors refinancing held properties valued at $1,103,755, with average equity of $486,870.
How well does our team know the Sydney property market?
We have brokers and lending specialists based in Sydney who can support your property search by providing detailed reports on the suburbs and homes you’re interested in. Whether you’re exploring the Inner West, the Northern Beaches or growing outer suburbs, we’re here to lend our expertise.
Not based in Sydney? No problem! Our brokers also assist clients across NSW, from the Central Coast to regional hubs like Newcastle and Wollongong. Wherever you’re buying, we can connect you with a broker who understands your local market.
Key insights into home loans in Sydney, NSW
The average home loan amount in NSW is $828,065 – nearly 20% higher than the national average. At an average interest rate of 5.76% p.a., that translates to a monthly mortgage repayment of around $4,696. Of course, actual repayments can vary widely depending on where you buy in Sydney, among many other factors.
Recent research from Money.com.au sheds light on the financial realities and concerns facing NSW homeowners, from mortgage stress to long-term affordability:
- 48% of homeowners say their mortgage is their most stressful debt.
- 37% support negative gearing as a tax strategy for property investors.
- 36% took 3–4 years to save for a house deposit; 20% took 5–6 years.
- 15% used their parents as guarantors to buy their home.
- 61% feel slightly stressed by RBA cash rate decisions; 19% are very stressed, while 16% aren’t stressed at all.
- 47% expect to have their mortgage paid off between ages 55 and 64.
- 45% are undecided about refinancing and 25% would consider it if rates drop.
- 60% don’t believe they’ll ever afford their ideal home in NSW.
 | Laboratories Credit Union Simple Home Loan Owner OccupiedInterest rate 5.69% per annum (variable) Comparison rate 5.71% per annum App Fee: $200 Max LVR 95% | Compare now on Money.com.au or visit site |
 | South West Slopes Bank Intro Discounted Standard Variable Home LoanInterest rate 5.70% per annum (variable) Comparison rate 6.06% per annum Redraw Offset Max LVR 90% | Compare now on Money.com.au or visit site |
 | Pacific Mortgage Group Owner Occupied Variable Home LoanInterest rate 5.84% per annum (variable) Comparison rate 5.84% per annum Redraw Max LVR 80% | Compare now on Money.com.au or visit site |
 | Virgin Money Lite Home Loan VariableInterest rate 5.84% per annum (variable) Comparison rate 5.86% per annum Redraw Split Loan Max LVR 80% | Compare now on Money.com.au or visit site |
 | Gateway Bank Green Plus Home LoanInterest rate 5.85% per annum (variable) Comparison rate 6.14% per annum Redraw Offset Max LVR 80% | Compare now on Money.com.au or visit site |
Crunch the numbers on your home loan
Find out what a new home loan or refinance could mean for you finances.
More trending home loan guides
READY TO APPLY?
Compare multiple lenders, easily.
Loan Amount
Important Disclosures
^Comparison rate warning
Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments. The comparison rates only apply to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Check with the provider for full loan details, including rates, fees, eligibility and terms and conditions to make sure the product is right for you.
Products, features and information displayed
General information only
The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any home loan product is suitable for you and seek independent financial advice if necessary.
We are not providing you with a recommendation or suggestion about a particular home loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.
What products, features and information are shown
While we make every effort to ensure all home loans available in Australia are shown in our comparison tables, we do not guarantee that all products are included.
Our product comparisons may not compare all home loan features and attributes relevant to you.
Product information, such as interest rates, fees and charges, is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the lender.
How home loans are sorted and filtered by default
Users can easily change the sort order and apply product filters to our product comparison tables. However, when you arrive on a page initially, by default home loans are sorted by:
- Lowest regular repayment amount, then;
- Loans interest rate, then;
- Lowest comparison rate, then;
- Provider name (A-Z)
Home loans available though a broker
Some home loan products listed in our tables are available through a mortgage broker. These are the products with an option to ‘Check Eligibility on Money.com.au’. Mortgage brokers may not be able to offer loans from every provider and there may be more suitable loans for your personal circumstances.
Mortgage brokers are not authorised by Money Australian Credit Licence and operate under their own Australian Credit Licence, or as a credit representative of another Australian Credit Licensee. Mortgage brokers can make recommendations about home loan products that may suit your objectives, financial situation and needs.
Commission we may earn
Our tables feature all home loans available from lenders on our database that match the search criteria selected. Lenders do not pay to feature in our tables, nor do we earn commission if you click to visit a lender’s website. The order of the products in the table is not influenced by any commercial arrangements.
If you get help from a mortgage broker as a result of visiting this page, we may earn a commission.