Your finance,
sorted.
We treat your next big step like our own.
Clear advice, honest answers, and a broker who stays with you the whole way. We compare a wide panel of lenders and manage every step personally, with no broker fee charged to you.
Sydney mortgage broker that helps you find the right loan, the first time.
See what your repayments could look like
No credit check. No obligation. Just a quick sense of your weekly, fortnightly or monthly repayments.
Joshua Khoury
Founder & Mortgage Broker
“Hi, I'm Joshua. This calculator gives you a quick sense of what your repayments could look like. If the numbers feel right, book a 15-minute call and I'll personally review your situation.”Book a call to compare lenders
What could this cost you?
Indicative only. Your actual rate depends on lender, loan type, LVR, credit history and income.
Three things that make us different
Who we help
Whatever your situation, we've probably seen it before, and know exactly how to navigate it.
Home loans
Buying, upsizing or downsizing in Sydney? We compare to find a home loan that suits your situation, no broker fee charged to you.
View Home loansFirst home buyers
Sydney first home buyers, access the 5% deposit First Home Guarantee, NSW grants and stamp duty concessions.
View First home buyersRefinancers
Sydney home loan health check across lenders. Lower rate, cashback offers, we tell you honestly if it's worth switching.
View RefinancersMedical professionals
Doctor, dentist, vet & pharmacist home loans, LMI waivers to 90% LVR and lender-specific medico pricing tailored to your profession.
View Medical professionalsSelf-employed & business owners
Sydney self-employed home loans, low-doc, alt-doc and 1-year ABN options with lenders who understand complex income.
View Self-employed & business ownersProperty investors
Sydney investment loans, structured right, interest-only, equity release and portfolio lending to keep you building.
View Property investorsConstruction loans
Sydney build & knockdown-rebuild finance, progress draws and owner-builder options handled end-to-end.
View Construction loansCar loans & asset finance
Sydney car, ute & equipment finance, often more competitive than typical dealer finance, fast approvals, chattel mortgage & novated lease options.
View Car loans & asset financeHow it works
Simple. Transparent. Sorted.
Book a call
A no-pressure conversation to understand your situation and map out what's possible, before any paperwork.
- Pick a time that suits you (phone or video)
- Share the basics of your goal
- Ask every question you have, no question is too basic
- Listen properly, no scripts
- Give you a rough borrowing picture
- Tell you honestly whether now's the right time
We do the research
We compare a wide range of lenders across policy, rate, features and fees, then present a shortlist with a clear recommendation.
- Send through essential documents.
- Approve a soft credit check (no impact on score)
- Review the shortlist together
- Compare a wide range of lenders across rate & policy
- Model repayments, LMI, cashback, fees
- Recommend one, with the reasoning in plain English
We handle everything
Application, lender liaison, document collection, valuations, updates. You approve. We do the rest.
- Sign the application electronically
- Approve valuations and conditions
- Get regular updates
- Submit and package your file
- Chase the lender! (Daily if needed)
- Coordinate valuers, solicitors, agents
Finance, sorted
Loan settled, keys in hand. We keep watching your rate long-term, because this is a relationship, not a transaction.
- Settle and move in
- Reach out any time, no fee to talk
- Refer friends who need help
- Annual rate reviews
- Repricing calls with your lender
- Refinance when it saves you real money
Ready when you are, most calls happen within 24 hours.
Start with step 1Behind Oshy Finance
Oshy Finance is a Sydney-based mortgage broking practice with a background spanning banking, marketing, and technology. Built as an original professional brand, Oshy stands for clear advice, better outcomes, and a genuinely personal approach.
Our approach is simple, we treat every client the way we'd treat a close friend who needed help with their finances. Explain everything. Find the best option. Be there when needed.
More about Oshy →Mortgage broker service areas across Sydney(111 suburbs · 8 districts)Show all
Districts
Western Sydney
Inner West
Lower North Shore
Northern Beaches
Sutherland Shire
Frequently Asked Questions
Let's get your loan moving.
We compare a wide panel of lenders and manage every step personally. You'll always know who's looking after your loan, why it's the right one, and that it works for you, not the bank.