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Michael Burgess
Michael is a Senior Mortgage Broker at Money.com.au who draws on his extensive finance experience to help clients find the right home loan while also providing long-term wealth-building guidance.
Katey Russo
Katey Russo is a Mortgage Broker at Money.com.au, with decades of experience and a passion for helping clients achieve their financial and property goals. View full bio.
Nick Burgess
Nick is a Senior Mortgage Broker and Credit Manager at Money.com.au, with 10+ years of finance experience helping clients secure home loans that match their needs and goals.
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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 qualifyStep 2
We go beyond the basics, comparing dozens of lenders to uncover the most competitive options to suit you.
Compare home loansStep 3
From paperwork to progress updates, we handle the details every step of the way so you don't have to.
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"Agent inspired confidence. Good answers to concerns. Responsive. "
"So our agent Nick was what made this experience easy and stress free. Refinancing is stressful, but Nick turned around our package very quickly and on a decent rate in a competitive climate. He was responsive through out the process and always clarified any of our silly questions, demonstrating his patience and care with respect to customer service. Weâll be hitting him in a few years time when our current rate expires!"
"Nick's service was great. He knew his stuff and was able to help me work out exactly what I needed. Much appreciated! Thank you Nick đ"
"We had an outstanding experience working with Michael Burgess at money.com.au. From start to finish, he was professional, responsive, and genuinely invested in helping us achieve the best outcome. Michael secured us a great mortgage and, more importantly, put together a clear and well thought out plan for transitioning into our next home. We were navigating a bridging loan, and he made the entire process feel smooth and straightforward. Nothing was ever too much trouble, and he explained everything in a way that gave us real confidence at every step. It honestly could not have been easier. Highly recommend Michael to anyone looking for expert guidance and a seamless experience."
"your awesome!!!!"
"Straight to the point information. No beating around the bush if you can borrow money or refinance. Very helpful. Thank you very much đ"
"So helpful! Saved me a bunch of time and money. Thankyou for your assistance and efficiency."
"I canât recommend my broker highly enough. I made the decision to proceed with Nick Burgess on Tuesday afternoon and by Friday morning my finance has been approved â an incredible turnaround time. As a first-home buyer, the process felt overwhelming at times, with a lot of documentation, questions, and back-and-forth communication required. Throughout every step, my broker was professional, responsive, and always available to answer my questions. Their communication was exceptional, keeping me informed at every stage and making sure I understood exactly what was happening. Most importantly, they gave me confidence throughout the entire process. Buying your first property is a huge milestone, and having someone knowledgeable, proactive and genuinely invested in achieving the best outcome for me made all the difference. Thank you for making what could have been a stressful experience feel smooth and manageable. I wouldnât hesitate to recommend your services to anyone looking for a mortgage broker, especially first-home buyers."
"Phil is fantastic, he was quick, professional and responsive at every step. His experience is evident and frankly the best iv'e dealt with. I'd recommend Money.com.au and Phil to anyone looking for finance."
"We were delighted with the warm, helpful, fully informed and friendly advice received. Came away fully satisfied all our questions had been answered FULLY. Some were even ANTICIPATED. Nick KNOWS HIS STUFF"
"Great service and very helpful "
"Easy to deal with, straight to the point and I are actually finding you the best price Highly Recommend đ"
"Nick was awesome. Very helpful and it was a really smooth process. He got us a great rate. Thank you!!!"
"Nick Burgess made my refinance very straightforward - recommending lenders based on my circumstances and the best rates possible, addressed all my questions quickly - made the whole process simple and very pleased with the resultđđź"
"Nick Burgess was first class. He constantly kept us on track and managed our expectations. We could bid at auction knowing exactly where we stood with finance. Importantly, the rates were on point too. Settlement was smooth and on time. Highly recommended "
"âď¸âď¸âď¸âď¸âď¸ I had an excellent experience working with Nick on my refinance. From start to finish, he was incredibly efficient, highly knowledgeable, and very communicative. He kept me informed at every step, explained my options clearly, and was always quick to respond to any questions. Nick made what could have been a stressful process feel smooth and straightforward. I wouldnât hesitate to recommend him to anyone looking for a reliable and professional broker, especially for refinancing. "
"From my first phone call to my last, working with Nick was fantastic. He consistently kept me updated, always answered my calls, and secured the best home loan compared to all competitors. Nick made the entire process feel seamless and completely stress-free. I received my home loan approval in record time! Iâm so thankful and incredibly happy. Highly recommend Nick from Money.com"
"Explained everything really well,treated me like I mattered an just got the job doneđ"
"Staff are very professional and helpful."
"I had a really great experience with money.com. The entire process was super straightforward and easy to follow, which made everything feel stress-free from start to finish. The customer service was incredible. The team was friendly, helpful, and always willing to answer any questions I had. They were also very responsive, which I really appreciated. On top of that, the pricing was excellent and very competitive. I would definitely recommend them to anyone looking for a smooth and reliable experience."
In a competitive market like Sydney, preparation is everything. Our mortgage brokers and lending specialists do more than just secure a competitive rate â 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, weâre 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 from Woodford, NSW
âWe wanted to refinance to a lower rate and unlock equity in our home for a variety of needs and opportunities. Refinancing can be daunting â especially if you run your own business and have a complex financial situation like we do â 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 canât 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.â
Akos from Woodford, NSW
Michael Burgess, Sydney Mortgage Broker
âIf youâre refinancing or buying a new home and have at least 30% equity or deposit (which means your LVR is under 70%), youâre 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, weâll take care of the legwork and negotiate with lenders on our panel to help secure a great deal. Best of all, weâll 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.â
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 â 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.
We have brokers and lending specialists based in Sydney who can support your property search by providing detailed reports on the suburbs and homes youâre interested in. Whether youâre exploring the Inner West, the Northern Beaches or growing outer suburbs, weâre 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 youâre buying, we can connect you with a broker who understands your local market.
The average home loan amount in NSW is $828,065 â 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:
:quality(80)) | Interest rate 5.94% p.a. variableComparison rate 5.94% p.a.Redraw App Fee: $600 Max LVR 50% | Compare now on Money.com.au or visit site |
:quality(80)) | Interest rate 5.99% p.a. variableComparison rate 6.02% p.a.Redraw Split Loan Max LVR 60% | Compare now on Money.com.au or visit site |
:quality(80)) | Interest rate 6.03% p.a. variableComparison rate 6.17% p.a.Redraw Split Loan Max LVR 70% | Compare now on Money.com.au or visit site |
:quality(80)) | Interest rate 6.08% p.a. variableComparison rate 6.09% p.a.Redraw Split Loan Max LVR 60% | Compare now on Money.com.au or visit site |
:quality(80)) | Interest rate 6.09% p.a. variableComparison rate 6.11% p.a.Redraw Split Loan Max LVR 60% | Compare now on Money.com.au or visit site |
HOME LOANS
Lender's mortgage insurance (LMI) is charged on some home loans with less than a 20% deposit. Find out how LMI works, what it costs and how to avoid it.
HOME LOANS
You can buy a home in Australia with no deposit. Common options include using a guarantor or equity in a property you already own. Here's how it all works.
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.
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 When results load initially in the main comparison table on this page, we show relevant loans from our sponsored partners first, then all loans on our database starting with the lowest relevant rate available from each of Australia's top 10 largest lenders first (top 10 is according to APRA, based on total value of loans per lender). We know these are the rates our customers are most interested in seeing. After these initial results, we show all products on our database, sorted as follows:
Some home loan products listed in our tables are available through a mortgage broker. 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 Pty Ltd's 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.
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. Partner lenders with loans marked as âsponsoredâ may pay a commission to Money.com.au if you click to visit their website.
If you get help from a mortgage broker as a result of visiting this page, we may earn a commission.
