All home loan guides
NSW Finance covers every aspect of home lending in New South Wales. Whether you are buying your first home, refinancing an existing loan, or building, these guides explain how each product works, what lenders require, and what to watch out for.
Why refinancing matters and how the process works in NSW
PurchasingThe complete NSW property purchasing process explained
DepositsHow much deposit you actually need to buy in NSW
ConstructionHow construction loans work and what lenders require
Low Doc LoansAlt doc and low doc options for self-employed borrowers
Working with a mortgage broker in NSW
A mortgage broker compares home loan options across multiple lenders on your behalf and manages the application process. In Australia, mortgage brokers are paid by the lender as a commission on settlement, not by the borrower. This means broker services are generally free to use from the borrower's perspective.
MFAA accredited brokers are bound by a best interest duty requiring them to act in the borrower's interest rather than recommend products based on commission. For NSW borrowers seeking a mortgage broker, Lend & Loan is MFAA accredited and works across more than 50 lenders.