Home Loans Handled the Smart Way
Most people spend hours Googling lenders, comparing rates, and guessing whether they'll be approved. There's a smarter path.
SMG Accounting Services offers mortgage broking services across Sydney that do the heavy lifting for you. We compare loans from dozens of lenders, match the right product to your situation, and handle the paperwork, all while drawing on our CPA expertise to make sure your loan is structured to work for your finances long term, not just at settlement.
in Australia are now settled through mortgage brokers (MFAA) — independent advice is what most borrowers prefer.
Our team holds CPA qualifications alongside our mortgage broking licence — we understand your tax position too.
Access to home loans, investment loans, SMSF lending, and commercial finance through our trusted partners.
What Are Mortgage Broking Services?
Mortgage broking services connect borrowers with the right home loan from a panel of lenders, rather than limiting you to a single bank's products.
A licensed mortgage broker assesses your financial position, compares loan options across multiple lenders, and recommends the product that best fits your goals. According to the MFAA, mortgage brokers now settle approximately 74% of all new residential home loans in Australia. A clear signal that most borrowers prefer independent advice over walking into a branch.
Whether you're buying your first home, investing in property, refinancing, or exploring SMSF lending, our team in Rooty Hill serves clients across Blacktown, Penrith, Mount Druitt, Minchinbury, and Greater Western Sydney.
Why Combine Accounting and Mortgage Broking?
Most mortgage brokers focus solely on the loan. Most accountants focus solely on tax. Neither talks to the other. That disconnect costs borrowers money.
SMG bridges that gap. A self-employed business owner comes to us wanting to buy an investment property. A standard broker can find them a loan. But we can also:
- Review their tax returns and financials before lodging the application, so income is presented in the strongest possible way
- Advise on whether to hold the property in their personal name, a company, or a trust — and what the tax implications are for each
- Model the negative gearing benefit against their current tax liability
- Set up offset accounts and repayment structures that reduce interest and align with their business cash flow
That's not available at a mortgage franchise.
It's what you get at SMG — a single team that arranges the lending and understands the tax structure behind it. From application strategy to long-term cash flow, every recommendation is informed by both sides of the ledger.
Our Mortgage Broking Services
From your first home to SMSF lending — clear, expert advice across every loan type.
Home Loans for Owner-Occupiers
Buying a home is one of the biggest financial decisions you'll make. We compare fixed and variable rate loans, offset and redraw options, and lender policies to find the product that fits your deposit, income, and repayment comfort. We work with first home buyers right through to families upsizing in Western Sydney.
Investment Property Loans
Property investment in Sydney requires careful loan structuring. The difference between an interest-only loan and a principal-and-interest loan has real tax consequences. We match the right loan type to your investment strategy. We understand the tax side because we're accountants too.
Refinancing
Your current loan may not be your best loan. Rate cuts, changed financial circumstances, or a better product elsewhere can all make refinancing worthwhile. We review your existing loan, calculate real savings after fees, and manage the switch from start to finish.
First Home Buyer Loans
First Home Buyer grants, stamp duty concessions, and lender mortgage insurance (LMI) waiver thresholds change regularly. We keep across the current rules in NSW and make sure you claim everything you're entitled to before settlement.
Self-Employed & Business Owner Loans
Self-employed borrowers face more lender scrutiny than PAYG applicants. The way your income appears on your tax returns directly affects how much lenders will lend you. Our accounting team prepares and reviews your financials, and our broking team finds lenders with the most favourable policies for self-employed applicants. This combination is something most standalone brokers simply can't offer.
SMSF Loans (LRBAs)
SMG already manages SMSF accounting and compliance for many clients. We extend that service to SMSF lending, helping trustees understand the rules around limited recourse borrowing arrangements (LRBAs), identify suitable lenders, and structure the loan correctly to maintain the fund's compliance.
How the Process Works
A clear, guided path from first conversation to settlement and beyond.
Discovery Conversation
We sit down (in person in Rooty Hill or via phone/video) to understand your goals, income, deposit position, and any existing properties or debts.
Financial Review
Our accounting team reviews your tax returns and financial statements to ensure your application presents your income accurately and compliantly.
Lender Comparison
We compare suitable loans across our lender panel and present you with clear options: rate, features, fees, and what each one means for your repayments.
Application & Lodgement
We prepare and lodge the application, manage lender queries, and keep you updated at every stage.
Settlement & Beyond
After settlement, we stay in touch. An annual loan health check and ongoing tax support means your loan and finances stay aligned.
Mortgage Broking Services Across Western Sydney
We are based at 12 Rooty Hill Road North, Rooty Hill NSW 2766, and serve clients across:
Sydney's Median Property Price
$1.29MFor most Western Sydney buyers, the market is more accessible — but loan structuring still matters enormously. Getting the wrong loan on a $700,000 property can cost you tens of thousands over the life of the loan. We make sure that doesn't happen.
Source: Home Loan Experts, 2026
Is a Mortgage Broker Free to Use?
In most cases, mortgage brokers in Australia are paid a commission by the lender when your loan settles. You don't pay a broker fee directly. Under the ASIC best interests duty introduced in 2021, mortgage brokers are legally required to act in your best interests — not the lender's. At SMG, that obligation aligns with how we work anyway. We recommend what's right for your situation, full stop.
Finance For Tomorrow — Our Western Sydney Broking Partner
SMG works directly with Finance For Tomorrow to give clients access to a broader lender panel and specialist broking expertise across home loans, investment loans, and commercial finance.
60+ Lenders. Home, Investment & Commercial Finance.
Connect directly with our trusted broking partners at Finance For Tomorrow — a Western Sydney mortgage broking team with access to 60+ lenders across home loans, investment loans, and commercial finance.
Book a Mortgage Broking Consultation
Ready to find a loan that actually fits your life? Talk to the SMG team. We offer a free initial consultation for all mortgage broking enquiries.
Frequently Asked Questions
A bank can only offer its own products. A mortgage broker compares loans from many lenders — including banks, credit unions, and non-bank lenders — and recommends the one that best suits your situation. Brokers are paid by the lender, not you, and under Australian law must act in your best interests.
Mortgage brokers earn an upfront commission from the lender when your loan settles, typically around 0.65% of the loan amount. They may also receive a trail commission while the loan remains active. These commissions are disclosed to you upfront, and under ASIC's best interests duty, brokers must recommend the right loan for you — not the one that pays the highest commission.
Yes. Self-employed borrowers often find it harder to get approved because income can be irregular or structured across multiple entities. An experienced broker who also understands accounting (like SMG) can review your financials before you apply, choose lenders with favourable self-employed policies, and structure the application to give you the best approval chance.
A mortgage broker saves you time, gives you access to more loan products than you'd find by approaching one bank, and provides expert guidance on which loan structure suits your goals. In Sydney, where property prices and loan amounts are high, choosing the wrong loan can be costly. Independent advice from an accredited broker is worth getting before you commit.
Yes, under a limited recourse borrowing arrangement (LRBA). Your SMSF can borrow money to purchase an investment property, provided the arrangement complies with superannuation laws. The rules are specific and the lender panel for SMSF loans is smaller than for standard mortgages. SMG manages SMSF accounting and can also arrange the lending, making us a single point of contact for the whole process.
Borrowing capacity depends on your income, existing debts, deposit size, living expenses, and the lender's policies. As a rough guide, most lenders will consider lending up to five to six times your annual income, though this varies significantly. SMG can run a free assessment based on your actual financials to give you a clear borrowing figure before you start searching for a property.
Yes. While our office is in Rooty Hill, we serve clients across Greater Western Sydney — including Blacktown, Penrith, Parramatta, Mount Druitt, and Minchinbury. We also assist clients across the broader Sydney region via phone and video consultations.