First Home Buyers
Low deposit options, grants and guarantor structures.
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Sydney · 60+ lenders compared
Sydney's Independent Mortgage Broker
We're not owned by a bank or a lender. We compare more than 60 of them to find the loan that actually fits you — and it costs you nothing.
- First home buyers
- Refinancing
- Investment property
- Self-employed
Why it matters
What "independent" actually means
| Bank-owned brokers | Us | |
|---|---|---|
| Lender panel | Limited lender panel | 60+ lenders |
| Parent lender | Incentives to place with the parent lender | No parent lender |
| Approach | Product-led | Situation-led |
Plenty of brokers are owned by, or aligned to, a lender. That shapes which loans you get shown. We're not — LNB Finance Pty Ltd is independently owned, so the only thing steering our recommendation is your circumstances.
When a broker's panel is narrow, or their parent lender rewards them for placing loans in-house, the "comparison" can be narrower than it looks. We start from the full panel and work backwards from what you actually need: the right structure, the right rate, and a lender whose policy says yes to your situation.
What we do
How we can help
Refinancing
Check whether your current rate is still competitive.
Learn more →Investment Loans
Structure, offset and tax-effective lending.
Learn more →Self-Employed
One year of figures? BAS-based assessment? Often yes.
Learn more →Guarantor Loans
Buy sooner using family equity, safely structured.
Learn more →Construction
Progressive drawdowns and builder requirements handled.
Learn more →
Simple and quick
How it works
1
Free chat
A quick call to understand your situation and what you're trying to do.
2
We compare 60+ lenders
We narrow the panel to the lenders whose policy fits and whose rate is sharp.
3
We handle the paperwork
Application, supporting documents, lender follow-ups — all of it.
4
Settlement
We stay across it through to settlement and check in once you're settled.
Most clients spend under an hour of their own time on the whole process.
If you've been knocked back
Knocked back somewhere else?
Self-employed with one year of figures. Casual or contract income. A HECS debt and a tight budget. A deposit that's mostly a gift. Lender policies differ enormously on all of it — the trick is knowing which lender says yes to your situation.
In their words
What our clients say
We'd been told no by two banks because of how my income is structured. Our broker found a lender who understood it and we settled in five weeks.
First home buyers and completely clueless. They explained every step, sorted the grant paperwork, and we never felt rushed into anything.
Self-employed with one year of trading. Everyone else wanted two years of tax returns. Our broker knew exactly which lenders would look at it.
Run the numbers
Work out your numbers
Repayments
See your weekly, fortnightly or monthly repayment.
Open calculator →Borrowing Power
Get an estimate of how much you could borrow.
Open calculator →NSW Stamp Duty
Estimate transfer duty on a NSW property purchase.
Open calculator →Refinance Savings
See what a lower rate could save you over the loan.
Open calculator →LMI Calculator
Estimate Lenders Mortgage Insurance from your deposit and LVR.
Open calculator →Extra Repayments
How much interest you save and years you cut by paying extra.
Open calculator →Rent vs Buy
Compare the financial cost of renting versus buying over time.
Open calculator →Buying Costs
Total upfront cash needed — deposit, duty, legals, inspections, LMI.
Open calculator →
Straight answers
Frequently asked questions
Nothing, in almost all cases. We're paid a commission by the lender you choose, and we tell you exactly what that is before you commit.
More than 60, including the majors, second-tier lenders and specialists who take situations the big banks decline.
No. Independent Mortgage Broker is a trading name of LNB Finance Pty Ltd, which is independently owned. No lender has any stake in us.
Yes — it's one of the situations we handle most. Some lenders want two years of tax returns; others accept one year, or BAS statements. Knowing which is which is the job.
Pre-approval is often a few days. Formal approval typically one to three weeks depending on the lender and how complete the paperwork is.
We're based in Sans Souci and see most clients across the St George, Bayside and Sutherland Shire areas — but we can write loans anywhere in Australia.
Let's find out what you can borrow
A free, no-obligation chat. No pressure, no fee, no jargon.