4.9 ★ from 150+ Reviews
Award-Winning Mortgage Brokers in Sydney
We compare over 60+ lenders to find a loan that fits your situation, then re-check your rate every six months so you don't drift onto a lazy one.
Member of the MFAA • 70+ State & National Awards • Access to 60+ lenders • Helping Australians since 2015
HOW ZIPPY CAN HELP
We arrange finance for buying, investing, and business. Backed by a team of highly skilled industry experts, we support you long after settlement. Explore our range of services.
HOME LOANS
Buying, upsizing, refinancing, or using your equity. We match the loan structure to your plans, not just the rate.
ASSET FINANCE
Borrow against your plant and equipment to protect your working capital.
INVESTMENT LOANS
We invest in property ourselves, so we talk strategy, structure, and serviceability, not just borrowing.
VEHICLE FINANCE
Cars, utes, and fleets for personal and business buyers, bought from a dealer or privately.
BUSINESS LOANS
Secured or unsecured funding to start, run, or grow your business, with terms that suit your cash flow.
PERSONAL LOANS
For a renovation, a wedding, education, or consolidating debt into one manageable repayment.
WHY CLIENTS KEEP COMING BACK TO OUR SYDNEY BASED ONLINE BROKERAGE
We re-check your rate every six months, for life.
Most brokers set up your loan and disappear. We review and re-price your mortgage twice a year and renegotiate with your lender. Clients tell us they notice: “even post settlement, they continue to review my rate without any prompting from me.”
Access to 60+ lenders, so the answer fits you.
We’re not tied to one bank. We compare Australia’s big banks alongside smaller and specialist lenders, then recommend what suits your situation.
One broker who knows your file.
You get Louisa as your Mortgage Broker every time you come back to use our services. Louisa is backed by a expert team many of which use to be Mortgage brokers themselves.
Brokers who invest in property too.
Louisa has held her real estate licence and has trained as a Buyers Agent, and most of the team are property investors. You’re talking to people who’ve done it themselves.
Built on empathy, not paperwork.
Zippy was founded to fix slow, impersonal broking. We’re known for helping people the banks find “too complicated,” from the self-employed to families going through divorce.
We move fast. It’s how we got the name.
A client called us Zippy because our service was so quick, and it stuck. We stay on top of approvals and paperwork so you don’t miss the property or the settlement date.
MORTGAGE BROKER OR BANK?
HERE’S THE HONEST ANSWER
Your bank can only offer you its own loans. We compare over 60 lenders and do the legwork for you.
Banks tend to reward new customers and quietly leave loyal ones on higher rates. That’s the “loyalty tax,” and it’s the main reason people come to us to refinance.
You can still ring your own bank with questions. Using a broker doesn’t change who your lender is. It just means someone is in your corner, watching your rate and handling the back-and-forth.
For most home loans, our service costs you nothing. The lender pays us a commission, which we disclose to you in writing.
Over 60 lenders on offer
Hear From Our Happy Clients
WHO WE HELP
Everyone’s situation is different. We’ve built finance around plenty of them.
First home buyers
Overseas buyers
Self-employed
Professionals: doctors, lawyers, engineers, accountants
Essential workers: nurses, teachers, emergency services
Single mums
Divorce and separation
High net worth individuals
Expats
HOW IT WORKS
Free chat. We learn your goals and what you can realistically borrow.
We compare 60+ lenders. You get your real options explained in plain English, not jargon.
We handle the paperwork. We manage the application from submission to approval.
Settlement. We keep everything on track to your deadline.
Every six months after. We review your rate and renegotiate if we can do better.
WHERE WE WORK
Zippy is based in Sydney and we work with clients right across Greater Sydney, from the Northern Beaches to the West.
CBD & Inner West: Sydney CBD, Inner West, Eastern Suburbs, Ryde & Macquarie.
North Sydney & Beaches: Northern Beaches, North Shore, Upper North Shore, Northern Suburbs.
Western Sydney: Greater Western Sydney, Hills District, South West, North West.
Southern Sydney: St George Area, Canterbury-Bankstown, Sutherland Shire, Macarthur Region.
As an online brokerage, we also service Australia wide across Melbourne, Brisbane, Adelaide and Perth.
North Sydney office
Level 6, 275 Alfred St, North Sydney NSW 2060, Australia
Ready to embark on a journey of financial growth and stability?
MEET LOUISA
Zippy was founded in 2015 by Louisa Sanghera, after a 25-year career in banking and broking. She’d seen how slow and impersonal banking and broking had become, and built Zippy to be the opposite: fast, straight-talking, and genuinely on your side.
Louisa has held her real estate licence, is a trained Buyers Agent, and is a property investor herself. She’s been named NSW and Australia Broker of the year for several years as well as Best Customer Service and over 70 awards within the industry.
She leads a hand-picked team of mortgage professionals who run every mortgage file to the same high standard.
LATEST NEWS
Why 82% of Home Loans Are Arranged Through a Mortgage Broker
Choosing a home loan is one of the biggest financial decisions you’ll make, and having the right guidance can make the process much easier. Today, 82% of new home loans are arranged through a mortgage broker, highlighting the growing role brokers play in helping...
What Is a Good Home Loan Rate Right Now?
If you've been wondering what a good home loan rate looks like right now, you're not alone. With interest rates rising and household budgets under pressure, many homeowners are reviewing their mortgage to see if they're still getting a competitive deal. The reality is...
RBA Cash Rate Rises to 4.60%: What the Latest Rate Hike Means for Mortgage Holders
The RBA cash rate has increased again, reaching 4.60% after the Reserve Bank raised rates by another 0.25 percentage points. It is the fourth rate increase this year, adding further pressure to households with variable-rate home loans. Following rate hikes in...
FREQUENTLY ASKED QUESTIONS
Does it cost anything to use Zippy Financial?
For most home loans, no. The lender pays us a commission and we disclose it to you in writing. Some loan types may involve a fee, and we always tell you before you commit.
Is it better to use a mortgage broker or go straight to my bank?
Your bank can only offer its own products. A broker compares many lenders at once. Zippy has access to over 60 lenders, so we can look beyond a single bank’s rates and policies to find a loan that fits your situation.
How do mortgage brokers get paid?
Lenders pay mortgage brokers a commission when the loan settles. ZIppy discloses this to you in writing. Our commission doesn’t come out of your loan, it doesn’t increase your interest rate or fees and doesn’t come out of your pocket on a standard home loan.
How much can I borrow?
It depends on your income, expenses, deposit, and existing debts. You can call Zippy and we can run through your borrowing power in 10 minutes and get you a realistic figure for your situation.
Can I still deal with my own bank if I use a mortgage broker?
Yes. Using a broker doesn’t change who your lender is. You can contact your bank as normal. We simply handle the loan setup and keep an eye on your rate over time.
How long does home loan approval take?
It varies by lender and how complex your situation is. Straightforward applications can move quickly once we have your documents. We manage the process and keep you updated at each step.
What is Zippy's biannual rate review?
Every six months, for the life of your loan, we review your rate against the market and renegotiate with your lender where we can. You don’t have to ask, and you don’t have to lift a finger. When it’s the right time to move to another lender for a more competitive deal we will let you know.
Do you only help people in Sydney?
No. We’re based in North Sydney and most of our clients are across Sydney, but we arrange loans Australia-wide.