First Home Buyers
Grants, deposits and guarantor loans explained in plain English. We find the 95% options.
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Sydney · Mortgage & Finance Brokers
Sydney home loans, sorted in days — not weeks.
Access 40+ lenders with a broker who answers the phone.
No upfront fees · Replies within one business day · Credit representative sample
4.9★212 Google reviews
$480M+home loans settled
40+lenders compared
Since 2014trusted in Sydney
What we do
One broker for every home loan
Tell us your goal. We compare the market, negotiate the rate and manage the paperwork to settlement.
Refinancing
Move to a better rate and cut your repayments. We handle the switch from old lender to new.
Get startedInvestment Loans
Equity release, negative gearing and portfolio structures set up for growth.
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Free tool
What could you borrow?
Enter your numbers. The estimator gives an indicative figure in seconds — no email required.
Indicative borrowing power
$0
Indicative only. This is not a credit assessment or an offer. Actual borrowing power depends on credit history, living-expense benchmarks and each lender's policy.
Client stories
Real outcomes, real timelines
★★★★★
"We found Kate after two banks said no. She had us pre-approved in three days and we settled in 21."
Priya S. — Parramatta
First home, settled in 21 days
First home, settled in 21 days
★★★★★
"One refinance cut our mortgage repayments by $412 a month. The whole switch was handled for us."
Tom & Mel R. — Cronulla
Refinance saved $412/month
Refinance saved $412/month
★★★★★
"Third property, same process. Structured for negative gearing and approved before the auction."
Daniel K. — Chatswood
2nd investment property approved
2nd investment property approved
Questions
Before you ask
Does it cost me anything to use a mortgage broker?
No. Harbourline is paid a commission by the lender you choose. The commission does not change the rate you get. If we cannot find you a competitive deal, you will not proceed with us.
How long does pre-approval take?
Usually 24 to 48 hours once we have your documents. Most clients are pre-approved within two business days, so you can shop with confidence.
What documents do I need?
Photo ID, your last two to three payslips, recent superannuation statements and a list of debts and expenses. Self-employed clients also need two years of tax returns.
Can I buy a home with a 5% deposit?
Yes. Several lenders accept a 5% deposit with lenders mortgage insurance. A guarantor structure can remove the insurance cost for family-backed buyers. We compare both routes for you.
Your home loan, sorted this week.
Book a free 15-minute call with Kate. She will tell you exactly where you stand — no obligation, no jargon.
Book a free 15-min call