Australia-wide
Cinch Loans is a Melbourne-based mortgage broker with clients in Sydney and across NSW. Appointments are by video or phone, documents are signed electronically, and the lender panel is the same 90-plus lenders we use at home, with NSW policy and schemes applied properly.
Video and phone appointments, Australia-wide
Three things worth knowing before you borrow in Sydney.
2000
Postcode
$1.5m
First Home Guarantee price cap, Sydney, Newcastle, Central Coast and Illawarra
90+
Lenders on our panel, every state and territory
Sydney is the largest market we lend into outside Melbourne, from the eastern suburbs and the north shore to Parramatta, the Hills and the south-west. Loan sizes are the biggest in the country and serviceability is usually the constraint.
Sydney clients are typically professionals with complex income, investors buying interstate, and first home buyers using the NSW schemes and the $1.5 million First Home Guarantee cap. Sydney purchases are decided by borrowing power more than deposit. Which lender counts your bonus, overtime, rental income or HECS debt favourably can change your limit by $100,000 or more, and that is a comparison we run before any application.
Most Sydney clients never meet us in person, and it makes no difference to the outcome. The first conversation is thirty minutes on video or phone: where you are, what you have, what you want to do. You get a written lending plan with the real borrowing figure, the structure and the costs line by line. Documents are uploaded through a secure portal, identity is verified electronically, and we lodge with the lender the same way a local broker would. The team chases every step from valuation to settlement and you hear about progress before you ask.
First home buyers in NSW pay no transfer duty on a home up to $800,000 and a concessional rate up to $1 million under the First Home Buyers Assistance Scheme. The $10,000 First Home Owner Grant applies to new homes only. The federal First Home Guarantee price cap for Sydney, Newcastle, the Central Coast and Illawarra is $1.5 million, the highest in the country, with $800,000 for the rest of the state.
Sydney loan sizes mean serviceability is usually the binding constraint rather than the deposit. Lenders test every application at the actual rate plus a 3-point buffer, so which lender counts your bonus, rental income or HECS debt the right way can move the answer by six figures.
None of this is personal credit advice. Your situation is assessed before any recommendation, the lender is chosen on the written comparison, and the commission we are paid by the lender is disclosed in your Credit Guide before you decide anything.
Where you are, what you have saved, what you want to buy or refinance. You leave with a borrowing figure, the schemes you qualify for, and a plan in writing. No credit check, no obligation.
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Straight answers. If yours isn't here, ask cinchi (bottom right) or book a chat.
Can a Melbourne broker arrange a loan in Sydney?
Yes. Lending is national, the lenders are the same, and NSW schemes and stamp duty are applied correctly because we place loans in NSW regularly. Appointments are by video or phone and documents are signed electronically.
Do you handle the NSW first home buyer schemes?
Yes. First home buyers in NSW pay no transfer duty on a home up to $800,000 and a concessional rate up to $1 million under the First Home Buyers Assistance Scheme. We check your eligibility for the state scheme and the federal First Home Guarantee ($1.5m cap here) before you start looking.
How is the valuation done if you are not local?
Valuations are ordered by the lender from its own panel, exactly as they would be for a local broker. We pick lenders with a valuation panel in your area and realistic turnaround times.
What does it cost?
Nothing. We are paid a commission by the lender you choose, disclosed in writing before you decide, and the recommendation does not change with it.
Same team, same process, wherever you are. All locations
Local knowledge. Lending Australia-wide. A cinch.
Sydney
NSW
2000
-33.8690
151.2090
lilac
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Mortgage Broker Sydney | Cinch Loans
Mortgage broker with clients in Sydney and across NSW. First home, refinance, investment and SMSF loans across 90+ lenders, by video. Free 30-minute chat.