Mortgage brokers in Elizabeth Bay
0 mortgage brokers in Elizabeth Bay, NSW 2011, who help with building or renovating. The top three are ranked by BrokerScore.
Updated October 2026
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Mortgage brokers and home loans in Elizabeth Bay
2 mortgage brokers on BrokerScore are based in Elizabeth Bay or serve the area, 1 of them with an office in Elizabeth Bay. Together they have 113 reviews with an average rating of 5.0 out of 5. Of these, 1 has claimed their profile and added details like lenders, languages and specialties.
Between them they speak Cantonese and Mandarin, as well as English.
At the 2021 Census, 16% of homes in Elizabeth Bay were owned with a mortgage (NSW: 33%), 22% were owned outright and 59% were rented. The median mortgage repayment was $2,582 a month and the median rent was $500 a week. With more renters than the NSW average, plenty of locals are working towards buying their first home.
Home ownership figures: ABS 2021 Census, Elizabeth Bay Suburb and Locality, used under CC BY 4.0. Mortgage broker figures from BrokerScore, updated October 2026.
Buying your first home in Elizabeth Bay
Elizabeth Bay is in the $1,500,000 price cap area for the Australian Government 5% Deposit Scheme (Sydney and NSW regional centres). Eligible first home buyers can buy up to that price with a 5% deposit and no lenders mortgage insurance.
New South Wales grants and concessions- No transfer duty on new or existing homes up to $800,000, and reduced duty up to $1 million.
- No duty on vacant land up to $350,000, and reduced duty up to $450,000.
- A First Home Owner (New Homes) Grant is available for eligible new homes. Check Revenue NSW for the current amount and caps.
General information only, checked 9 October 2026. Sources: 5% Deposit Scheme price caps, New South Wales. Eligibility rules apply, so confirm with a mortgage broker.
Find a first home buyer mortgage broker near Elizabeth Bay →What Elizabeth Bay locals say
“I had a great experience working with Mini throughout my home loan process. She was professional, knowledgeable, and genuinely passionate about helping her clients. She took the time to understand my needs, explain different loan options clearly, and help me find the most suitable solution. She was always patient…”
Mortgage broker Elizabeth Bay FAQs
How many mortgage brokers are there in Elizabeth Bay?
There are 2 mortgage brokers on BrokerScore based in Elizabeth Bay or serving the area, plus 446 more within 5 km. 1 of them has an office in Elizabeth Bay.
Who are the top rated mortgage brokers in Elizabeth Bay?
By BrokerScore, the top rated mortgage brokers in or near Elizabeth Bay are Minyi Peng (7.8), Azura Financial Mortgage Broker (6.7) and XIN Mortgage (6.7). BrokerScore is a rating out of 10 that reflects reviews and how well a mortgage broker looks after the people who contact them. Mortgage brokers can’t pay to change it.
How much does a mortgage broker cost in Elizabeth Bay?
Most mortgage brokers in Elizabeth Bay don’t charge you for a standard home loan. They’re usually paid a commission by the lender once your loan settles. Some charge a fee for complex loans, so ask upfront. Every mortgage broker must give you a credit guide that explains how they’re paid and any fees.
What’s the average mortgage repayment in Elizabeth Bay?
At the 2021 Census, the median mortgage repayment in Elizabeth Bay was $2,582 a month, and 16% of homes were owned with a mortgage. Interest rates and prices have changed since then, so a local mortgage broker can work out what repayments would look like for you today.
What is the 5% Deposit Scheme price cap in Elizabeth Bay?
Elizabeth Bay falls under the $1,500,000 price cap that applies in Sydney and NSW regional centres. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy up to this price with a 5% deposit and no lenders mortgage insurance. Some suburbs span more than one postcode, so confirm with a participating lender or mortgage broker.
Are there mortgage brokers in Elizabeth Bay who speak other languages?
Yes. Mortgage brokers serving Elizabeth Bay on BrokerScore speak Cantonese and Mandarin. Use the language filter at the top of this page to see who speaks yours.
Should I use a mortgage broker or go straight to my bank?
A bank can only offer its own home loans. A mortgage broker compares loans from the lenders on their panel. They must act in your best interests, and they handle the paperwork through to settlement.
How do I choose a mortgage broker in Elizabeth Bay?
Compare BrokerScores and read recent reviews, check they help with your situation (for example first home buyers, refinancing or self-employed borrowers) and see which lenders they work with. Ask how they’re paid and how many lenders they’ll compare for you. You can message any mortgage broker on this page for free.