Home Loans in Sydney — Compare 50+ Lenders
Whether you're upgrading, downsizing or buying your next home, the right loan depends on more than the headline rate. We compare owner-occupier loans across 50+ lenders on our panel, focusing on total cost and the features you'll actually use.
Reviewed by Vikas Gupta, MFAA member · Updated
Loan types we compare
| Loan type | Best suited to | Watch out for |
|---|---|---|
| Variable rate | Flexibility, extra repayments, offset accounts | Repayments rise if rates rise |
| Fixed rate (1–5 years) | Certainty on repayments | Break costs if you sell or refinance early; extra repayments often capped |
| Split loan | A mix of certainty and flexibility | Two loan accounts to manage |
| Package loan | Larger loans that benefit from rate discounts and an offset | Annual package fee |
| Basic / no-frills | Lowest cost, few features | Often no offset; limited redraw |
Features that save you money
Offset account
Money in the linked account reduces the interest charged on your loan.
Redraw
Access extra repayments you've made. Check fees and limits.
Extra repayments
Paying even a little more each month shortens the loan.
Portability
Keep the loan when you move to a new property.
Buying your next home
Upgrading means juggling a sale and a purchase. We can help with bridging finance (buy before you sell), equity release to fund a deposit, and timing settlements so you're not paying two loans for long.
What you'll need
- Photo ID
- Last 2–3 payslips (or 2 years’ tax returns if self-employed)
- 3 months of bank and savings statements
- Statements for any loans and credit cards
- Contract of sale once you've found a home
Home loan questions
How much can I borrow?
It depends on your income, living costs, debts and the interest rate plus a 3% serviceability buffer that lenders must test. Try our borrowing power calculator, then talk to us for a lender-by-lender answer. Try the calculator →
Is the lowest rate always the best loan?
No. Fees, features and break costs can make a slightly higher rate cheaper overall. That's why advertised rates must show a comparison rate.
Can you help if my bank said no?
Often, yes. Lenders have different policies on income, credit history and property type, so a decline from one doesn't mean a decline from all.
Helpful tools
Related services
Talk to Vikas about your next home loan — 0402 597 375.
Book a free chatGeneral information only. Lending criteria, fees and charges apply.
Helping clients in Gladesville and across Sydney
We're based in Gladesville, NSW 2111, and meet clients in person across the Ryde, Hunters Hill, Canada Bay and Lane Cove areas — or by phone and video anywhere in Sydney and Australia.
- Gladesville
- Hunters Hill
- Ryde
- Putney
- Tennyson Point
- Boronia Park
- Huntleys Point
- Henley
- Drummoyne
- Five Dock
- Abbotsford
- Concord
- Meadowbank
- West Ryde
- Ermington
- Denistone
- Eastwood
- North Ryde
- Macquarie Park
- Lane Cove
- Epping
- Rhodes