Get property finance help in Sydney
Sydney property moves fast and the finance behind it needs to keep up. Whether you are buying your first place, expanding a portfolio, settling a commercial deal or refinancing before a fixed rate rolls off, we connect you with a finance specialist who actually handles your type of deal.
Property Finance Help is a referral service covering all of Greater Sydney. We connect home buyers, property investors, business owners and developers with finance professionals who specialise in residential lending, commercial property, construction, SMSF and refinancing. We are not a lender or broker.
Home loans
First home buyers, upgraders, auction pre-approval and guarantor structures
Commercial finance
CBD offices, Parramatta retail, Smithfield industrial and strata commercial
SMSF lending
SMSF commercial property purchases and refinancing of existing SMSF loans
Construction finance
New builds, knock-down rebuilds in the Hills, owner-builder and development loans
What type of finance do you need in Sydney?
Start with the category that fits your situation. Each pathway covers the lender criteria, deal structures and documentation that apply to that type of property finance in Sydney.
Home loans for Sydney buyers
First home buyers navigating Sydney's auction market, upsizers across the North Shore and Hills District, and anyone dealing with high purchase prices, tight settlement windows or a competitive Saturday morning.
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Commercial lending across Sydney CBD, North Shore and Western Sydney
Office suites in the CBD, retail in Parramatta, industrial in Smithfield and Wetherill Park, medical rooms in Macquarie Park. The lender assessment changes depending on the asset, tenant and your borrowing structure.
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Construction and development finance
New builds, knock-down rebuilds across the Northern Beaches and Hills District, owner-builder projects, multi-lot subdivisions and medium-density development in Sydney's growth corridors. Progress draw structures apply.
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Investment property lending
Buying your next rental in Sydney, expanding a portfolio across multiple suburbs, or entering the Sydney market from interstate. Lender rules on rental income, negative gearing and existing debt exposure all matter here.
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SMSF property loans in Sydney
Buying commercial property through your SMSF or refinancing an existing SMSF loan. Since 10 August 2026, new SMSF borrowing is limited to business real property, so new SMSF loans for residential property are no longer available. Limited lender participation, stricter LVR caps and compliance rules make this a specialist pathway where the right guidance saves real headaches.
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Refinancing and restructuring
Rate reviews after a fixed period ends, cash-out to fund a renovation or next purchase, debt consolidation, and restructuring across an existing residential or commercial portfolio. Timing matters here.
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Common Sydney finance scenarios
Most finance problems in Sydney come down to the same handful of situations. Here are five we see regularly, and what actually matters in each one.
Buying above $1.5 million with a large deposit
A professional couple buying in the Inner West with $450,000 in combined savings. At this price point, stamp duty alone exceeds $65,000. Lenders still need to verify the deposit source, assess serviceability at the buffered rate, and confirm the property meets security requirements. Having the deposit is not the same as having the approval. A clean document file and clear deposit trail matter here because large sums attract closer scrutiny.
Pre-approval before bidding at Sydney auction
Sydney's auction clearance rates mean many competitive properties sell under the hammer. Contracts become unconditional immediately, with no finance clause and no cooling-off period. A buyer without pre-approval who wins at auction and cannot settle faces serious consequences. Getting finance properly assessed before auction day, including having the contract reviewed by your conveyancer, is not optional in this market.
Buying a strata office suite in Sydney CBD
A small business owner purchasing a 120 sqm office in the CBD for $1.8 million through a company structure. The lender will assess the building grade, strata position, body corporate costs, business trading income and whether the purchase is owner-occupied or investment. LVR for commercial property in Sydney typically sits between 60% and 70%, meaning a deposit of $540,000 to $720,000 on this deal. Preparation of the business financials and lease file before lodging is critical.
Self-employed borrower buying in Western Sydney
An ABN holder with two years of trading history and fluctuating income buying a $950,000 property in Parramatta. Standard lender income verification does not suit every self-employed borrower. Depending on the financials, the deal might fit a full-doc, alt-doc or low-doc pathway. Some non-bank lenders assess self-employed income differently from the major banks, which can open doors that a standard application would not.
Buying business premises through an SMSF in Sydney
A business owner whose self managed super fund wants to buy the warehouse or office the business already leases, so the rent is paid to the fund instead of a landlord. Only a limited group of lenders write SMSF loans in Sydney, and they apply tighter LVR caps than standard commercial lending, so the fund needs a substantial deposit plus enough liquidity to cover repayments and fund expenses. The property must qualify as business real property and the purchase must be held through a separate bare trust. Getting the structure, the lease and the fund's cash position right before signing a contract matters, because unwinding a non-compliant purchase is slow and expensive. See SMSF commercial property loans for the lender criteria.
Which type of lender suits your Sydney deal?
A major bank is not always the right fit. The lender that works depends on your income type, property, deposit, structure and timeline. Here are the four main categories.
Best suited to PAYG borrowers with clean credit, a solid deposit and a standard residential property. The big four offer competitive rates but apply strict serviceability rules, and their appetite for unusual property types, complex structures or non-standard income is limited. If your deal is straightforward, this is usually the starting point.
Worth exploring if you are self-employed, have a credit blemish, need a higher LVR, or the property does not meet standard bank security requirements. Non-banks can be more flexible on how they assess income and what they accept as security. They are not a last resort. For many Sydney borrowers, they are the better pathway from the start.
These handle the deals that do not fit bank or non-bank channels. Short-term bridging when settlement dates do not line up, urgent transactions, complex security, credit-impaired borrowers and high-value commercial. Rates are higher, but speed and flexibility are the trade-off. Common in Sydney's commercial and development market where timing kills more deals than pricing.
A specialist category with limited participants. Not all banks or non-banks offer SMSF loans, and those that do apply specific compliance, LVR and property type requirements. If you are buying through your super fund in Sydney, you need a lender who actually does these deals regularly, not one that treats it as an edge case.
How it works
Property Finance Help is not a lender or broker. We are a referral service. Here is what happens when you get in touch.
Step
01
Tell us your situation
Use the form below to share what you need: finance type, rough loan amount and a line or two about your deal. Sydney is pre-filled as your location.
Step
02
We find the right contact
We match you with a finance specialist, broker or lender who handles your type of deal in Sydney and email you their introduction. Not a random referral.
Step
03
You reply, they contact you
Reply to the introduction and the finance professional contacts you to discuss your options, assess your position and walk you through the next steps for your specific deal.
Get property finance help in Sydney
Buying at auction, refinancing before a fixed rate expires, purchasing commercial property in the CBD, building in the Hills District, or trying to figure out SMSF lending rules? Tell us what you need and we will connect you with someone who handles that type of deal.
Property Finance Help is a lead generation service, not a lender, broker, or financial adviser. All information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Consider seeking independent professional advice before making any financial decision.
Tell us about your situation
A few details is all we need to find the right Sydney finance contact for you.
Tell us what you need and we'll match you with a finance specialist and email you their introduction. Reply to it and they'll contact you. Free, no obligation.
Your details stay with us until you reply to the specialist’s introduction
Ready to get finance help?
Tell us your situation using the form above and we'll match you with a finance specialist and email you their introduction. Reply to it and they'll contact you.
