Mortgage Broker Western Sydney

Buying, refinancing or investing?

We compare home loans from 52+ lenders and handle the paperwork with you, from pre-approval to settlement.

Book a 15-minute phone call with Patrick, or send an enquiry and we’ll call you back.

clients-consulting-with-broker

Mortgage Broker Western Sydney

Buying, refinancing or investing?

We compare home loans from 52+ lenders and handle the paperwork with you, from pre-approval to settlement.

Book a 15-minute phone call with Patrick, or send an enquiry and we’ll call you back.

We can help you get the finance you need.

5.0from 104 Google reviews
Patrick O’Brien, Director of Mortgage World Australia
Patrick O’Brien, DirectorArranging home loans since 2001
  • 52+ residential lenders compared
  • No broker fee. The lender pays our commission.
  • 15-minute phone call to get started
Testimonials

What Our Clients Say

Reviews from clients we’ve helped, in their own words.

Our Services

Home Loans in Western Sydney

Most of our work is home loans for people buying, building or refinancing across Western Sydney. We compare 52+ residential lenders, including the big banks, and recommend the loan that suits your plans, not only the lowest headline rate.

We also arrange bridging loans, reverse mortgages, fixed rate home loans, interest-only loans, off-the-plan finance and home loans for Australians living overseas. See all home loans.

Buying a Home

Pre-approval, loan structure and the run to settlement, whether it’s your next home or a move up.

First Home Buyers

Including the 5% Deposit Scheme, stamp duty concessions and buying with a guarantor.

Refinancing

Moving to a sharper rate, releasing equity for renovations, or planning for a fixed rate that’s ending.

Construction Loans

Knock-down rebuilds, land and build, and house-and-land packages, with progress payments explained.

Self-Employed and Low Doc Loans

Lenders that understand business income, including low doc options.

Guarantor Home Loans

Use a family member’s property as extra security to buy with a smaller deposit.

LMI Waivers for Professionals

Some lenders waive lenders mortgage insurance (LMI) for eligible professions, such as doctors and accountants.

Home Loan Health Check

A review of your current loan against what lenders are offering now.

Investors and Business Owners

Investment and Commercial Property Loans

Whether it’s your first investment property or a commercial building, the loan structure matters as much as the rate. Patrick owns investment properties himself and helps investors set up loans that leave room for the next purchase.

See all investment loans.

Investment Property Loans

Loans for residential investment property, structured with tax, equity and your next purchase in mind.

Commercial Property Loans

Offices, warehouses, shops and mixed-use property for business owners buying their own premises.

Commercial Investment Loans

Buying commercial property to lease out.

SMSF Commercial Property Loans

Loans for a self-managed super fund buying commercial property. Commercial property only.

Deposit Bonds

Use a deposit bond at exchange instead of cash when your funds are tied up.

Debt and Other Finance

Debt Consolidation and Other Finance

Rolling credit cards and personal loans into your home loan can lower your monthly repayments. Spreading short-term debt over a longer loan can also mean paying more interest overall, so we show you both numbers before you decide.

Read about debt consolidation.

Debt Consolidation

Combine debts into one repayment, secured against your home or unsecured.

Car Loans

Through our relationship with a firm that solely specialises in asset finance and personal loans, we can assist you with car loans. Tell us what you need, and we’ll have a specialist contact you.

Personal Loans

Through our relationship with a firm that solely specialises in asset finance and personal loans, we can assist you with personal loans. Tell us what you need, and we’ll have a specialist contact you.

Business Finance

We arrange commercial property loans. For other business finance, we work with a specialist finance firm. Tell us what you need, and we’ll have a specialist contact you.

Where We Work

Mortgage Broker Across Western Sydney

We’re based in Woodpark and work with clients right across Western Sydney. Most meetings are by phone or video. If you live nearby and would rather meet in person, Patrick can come to you.

Outside Western Sydney? We help clients anywhere in Australia, and Australians overseas buying property here.

Mortgage Broker Parramatta

Mortgage Broker Blacktown

Mortgage Broker Penrith

Mortgage Broker Greystanes

Mortgage Broker Wentworthville

All Western Sydney Areas

How We Work

Why Clients Choose Mortgage World Australia

Mortgage World Australia is led by Patrick O’Brien, who has arranged home loans since 2001. We compare 52+ residential lenders, explain our recommendation in writing and stay in touch after settlement.

  • Extensive Lender Network
  • Expert Guidance
  • Personalised Support
  • Save Time & Money
  • Transparent Service
Reasons-to-refinance-your-home-loan
20+
Years of Experience

Kept Up to Date

We keep you informed from application through to settlement, and we’re still here after it.

Sharper Pricing

Where your situation supports it, we ask lenders to sharpen their rate, then compare what comes back across our panel.

Paperless Process

Digital signing and online document upload, so there are no forms to print.

Lender Policy Knowledge

If your situation doesn’t fit the standard mould, or another lender has said no, our knowledge of lender policy helps find one that fits.

Complimentary Property Reports

Cotality property reports and IntelliVal automated valuation estimates at no charge, to help you check what you’re paying. An automated estimate isn’t a formal valuation, and your lender may order its own.

Since 2001

Patrick has been arranging home loans since 2001. Read our Google reviews.

No Cost to You

We don’t charge you a broker fee. The lender pays us a commission when your loan settles. Normal lender fees still apply.

Complimentary Credit Report

An Equifax credit report at no charge, so you know your credit score before we recommend a lender.

Patrick-OBrien-Broker
20+
Years of Finance Strategies
Director, Mortgage World Australia

PATRICK O’BRIEN

Patrick has been helping clients with home loans since 2001.

He holds a Bachelor of Business from the University of Technology Sydney, majoring in accounting with a sub-major in finance and marketing.

He owns investment properties himself, so the questions investors ask are ones he has worked through for his own portfolio.

Patrick O’Brien is a Credit Representative (399419) of Mortgage Specialists Pty Ltd (ACN 612 422 178, Australian Credit Licence No. 387025).

Frequently Asked Questions

Common questions about working with us.

No. We don’t charge you a broker fee. The lender pays us a commission when your loan settles. You still pay the lender’s normal fees, such as application or valuation fees, and we explain those before you apply.

No. Most of our clients live in Western Sydney, and we’re based in Woodpark. We meet by phone and video, so we can help you wherever you live in Australia, and Australians overseas buying property here. If you’re nearby and would rather meet in person, Patrick can come to you.

We compare home loans from 52+ residential lenders, including the big banks. For commercial and SMSF commercial loans, we work with lenders that specialise in them.

Mortgage brokers must act in your best interests when recommending a loan, and must put your interests first if there’s a conflict. We explain our recommendation in writing, including why it suits you.

A short conversation about what you’re planning. For an application, lenders usually ask for ID, recent payslips and bank statements. If you’re self-employed, they ask for tax returns or other proof of business income. We tell you exactly what your lender needs.

5.0from 104 Google reviews

Talk to a Western Sydney Mortgage Broker

Call (02) 8004 7459 or send an enquiry, and Patrick or one of the team will be in touch.

Since 2001

Patrick has arranged home loans for clients since 2001.

No Broker Fee

We don’t charge you a broker fee. The lender pays us a commission when your loan settles.

talk-to-us

TALK TO A BROKER TODAY

Helping you find the right loan product for your needs.

Access a World of Choices for Your Loan Needs

Compare home loans across 52+ lenders, including the big banks.

Our vast network puts offers from right across the market at your fingertips, making it easy to find a match for your unique needs. Here are just some of the lenders we have access to.

Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only.

lender-amp-bank
lender-anz-bank
lender-australian-military-bank
lender-auswide-bank
lender-bank-australia
lender-bank-of-melbourne
lender-bank-of-sydney
lender-bankwest
lender-bankSA
lender-beyond-bank
lender-blue-stone
lender-bank-of-queensland
lender-commonwealth-bank
Firstmac
Great Southern Bank
lender-heritage-bank
lender-ing-bank
lender-macquarie-bank
ME Bank
lender-move-bank
lender-mystate-bank
lender-nab-bank
lender-pn-bank
St.George
Suncorp
lender-teachers-mutual-bank
ubank
lender-virgin-money
lender-westpac-bank