Searching for the best Sydney home loan rates?

Package Variable Rate: 5.93% | Comparison Rate 6.31%
Basic Variable Rate: 5.93 | Comparison Rate 6.13%
1 Year Fixed Rate: 6.29% | Comparison Rate 8.34%
2 Year Fixed Rate: 6.29% |
Comparison Rate 8.13%

Comparison rate warning

Comparison rate warning
WARNING: Comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For variable interest-only loans, comparison rates are based on an initial 5-year Interest Only period. For fixed Interest Only loans, comparison rates are based on an initial Interest Only period equal in length to the fixed period. During an Interest Only period, your Interest Only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
What is a comparison rate?
  • A comparison rate includes the interest rate as well as certain fees and charges relating to a loan.
  • The aim of the comparison rate is to help you identify the true cost of a loan and compare loans and services offered by financial institutions and mortgage providers.
  • The formula for calculating a comparison rate is regulated by the Consumer Credit Code, and all Australian financial institutions and mortgage providers use this same formula.
The comparison rate does not include
  • Government charges such as stamp duty or mortgage registration fees.
  • Fees and charges associated with loan options or events that may or may not be used by the borrower, such as early repayment or redraw fees.
  • Fees and charges which aren’t available at the time the comparison rate is provided.
  • Cost savings such as fee waivers or the availability of interest offset arrangements which can influence the cost of a loan.

Rates quoted are from multiple lenders for owner occupied home loans with LVR between 70% & 80%, indicative and subject to change.

⭐⭐⭐⭐⭐ 105+ 5-star reviews on Google

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Mortgage Broker in Pyrmont, Sydney

Whether you’re a first home buyer, investor or property developer, CCS Lending provides tailored home loan and finance solutions to suit your goals. Our local Pyrmont mortgage brokers help you compare lenders, structure your loan and move forward with confidence.

Local Brokers in Pyrmont, Ultimo, Surry Hills, Darlinghurst, Inner-West, Southwest Sydney

Finance Solutions For Every Stage Of Your Property Journey

From first homes and refinancing to construction and specialist lending.

First Home Buyers

Helping Australians buy their first home with guidance on government grants, guarantee schemes and family guarantee options

Construction Finance

Finance for land banking, house & land packages, custom builds, duplexes and multi-dwelling projects

Specialist Lending Solutions

Self-employed, credit-impaired and complex lending scenarios.

Refinancing & Equity Optimisation

Reduce repayments, unlock equity, implement debt recycling strategies and access lenders with strong servicing policies.

SMSF, NRAS & NDIS Finance

SMSF, NRAS, NDIS, heritage-listed and leasehold properties.

Smarter Loan Options

We compare products and pricing across our lender panel to help you secure a competitive loan structure suited to your goals.

Home Buying, Made Simple

We guide you through the loan process with clear advice, smart structure and support from start to finish.

40+ Lenders

13+ Years

1000+ Clients Helped

We help clients find finance solutions with confidence — bringing structure, strategy and guidance to every loan.

"Aaron and his team at Citadel has made the process very easy and pleasurable. I had previously been hesitant to go ahead and visit banks and brokers as I though it would be super stressful and challenging.


Aaron had this process run very smoothly for me and it was the complete opposite of stressful, scary and time-consuming. I would definitely recommend Aaron and his team!"

– Ian G., Google Review

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"Aaron and his team are beyond amazing. After wasting time waiting on replies from one of the major four banks that never came, we turned to Aaron. Within days he had the ball rolling, and today we settled on our land, now starting the building phase.


During the entire time, Aaron and his team have worked tirelessly guiding and assisting us each step of the way. Would 100% recommend Aaron"

– Auscop, Google Review

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0424 438 599

Whether you're buying your first home, investing, refinancing, or building, we'll help you secure the right loan structure with confidence.

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Office: Suite 73, 26-32 Pirrama Road, PYRMONT, NSW 2009

Postal: PO Box 383, PYRMONT, NSW 2009

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