One vetted Sydney specialist. 60 lenders compared. Paid by the lender, never by you.
Sydney is Australia’s most competitive home loan market. A specialist’s 60+ lender panel outperforms any single bank.
The specifics that matter for buying in NSW. Tap any section to read more.
Up to $800,000: Full stamp duty exemption for eligible NSW first home buyers.
$800,000 – $1,000,000: Sliding-scale concession — partial duty owed.
Over $1,000,000: Full standard stamp duty applies.
Eligibility requires Australian citizenship or permanent residency, being 18+, having never owned property in Australia, and moving in within 12 months for at least 6 months. Use our free stamp duty calculator →
The First Home Guarantee lets eligible Sydney FHBs buy with a 5% deposit without paying LMI. The Federal Government acts as guarantor for the other 15%.
NSW price caps (2026): $1.5M in Sydney metro / capital city, $800K in regional NSW. Income caps: $125K single, $200K couple.
Places: 35,000 FHB places per financial year plus 10,000 Regional First Home Buyer Guarantee places.
A specialist can model the FHG alongside standard 10%/20% deposit options to show which path saves you more.
Median house price: ~$1.55M (CoreLogic).
Median unit price: ~$820K.
Auction clearance rate: 62–68% week-on-week.
Days on market (houses): 28–35 days.
Top growth suburbs: North Shore, Inner West, Eastern Suburbs generally outperform outer metro for capital growth, though outer metro offers better yield for investors.
A Sydney specialist has a panel of 30–60+ lenders including major banks (CBA, ANZ, NAB, Westpac), second-tier (Macquarie, ING, Bankwest, Suncorp), and non-bank specialists.
Walk into a big-4 branch and you get one lender’s products at standard pricing. A specialist creates competition between lenders — that competition alone routinely yields 0.3–0.5% lower rates.
On a $1M Sydney loan, 0.4% lower saves $4,000 per year — $120,000 over 30 years. Free, because the lender pays the specialist.
We match you with a vetted Sydney-based home loan specialist. Free to you, no obligation, no lock-in.
Get Matched With A Sydney Specialist →A Sydney borrower on $100K single / $180K couple income with standard expenses typically borrows $550K–$950K. Sydney’s high expenses (rent, transport, childcare) affect serviceability more than most states. Try the borrowing capacity calculator →
Yes — free to you. Sydney specialists are paid a commission by the lender on settlement (typically 0.5–0.7% upfront + small trail). You pay the same rate whether direct or via specialist, but get the whole-of-market comparison done for free.
Yes. Sydney specialists service every metro suburb and beyond — Chatswood, Parramatta, Penrith, Liverpool, Bankstown, Hornsby, Manly, Bondi, and regional NSW. Most work remotely via Zoom plus document e-signing, so location doesn’t affect service.