Your Trusted Sydney
Mortgage Broker
30+ lenders offering over 2,000 home loan options
Meet our Sydney Mortgage Broker
Luke Patterson
Senior Mortgage Broker
Luke Patterson
Co-Founder & Senior Mortgage Broker
Luke Patterson is an experienced mortgage broker based in Sydney, Australia, with over 15 years in the financial services industry. As co-founder and Senior Mortgage Broker, he specialises in providing competitive, straightforward mortgage solutions tailored to each client’s unique needs, all while delivering exceptional customer service.
He holds a Diploma of Finance and Mortgage Broking Management and is an active member of the Mortgage & Finance Association of Australia (MFAA).
Beyond his professional work, Luke is passionate about giving back to the community and volunteers regularly with the North Bondi Surf Life Saving Club. When he’s not working or volunteering, he can often be found surfing Sydney’s iconic beaches or spending quality time with his family.
Choose Koalify for refinancing or buying your new home in Sydney and surrounds
As a Sydney-based mortgage broker, our service gives you an edge over directly applying with lenders. With us, you’re not restricted to one lender’s options. Instead, you get a diverse range of loan choices from various lenders, tailored for Sydney’s unique market and your financial situation. Our local experts simplify the complex home loan process, guiding you at every step. We can also connect you to a buyers agent to help you find your dream home.
Direct lenders only offer their products, but we provide an unbiased view of Sydney’s entire mortgage market, ensuring you get the best rates and terms. Partnering with us means more than just finding a loan; it’s about having a dedicated Sydney mortgage expert by your side, making your path to homeownership informed and advantageous.
Luke has been nothing short of exceptional. He is patient, hard working and was happy to answer all questions promptly. Luke worked with us to find the best possible solution for our home loan, taking into consideration our own company
Thank you Luke at Koalify for your expertise! Your diligence, proactivity and dedication to providing the best outcome for my circumstances is greatly appreciated. Your continuous effort and communication during the festive season was
Luke and his team provided me a seamless service from start to finish. As a first home buyer i was uncertain of the process, however Luke was there every step of the way and his user friendly platform allowed for a fast and efficient experience
Go from zero-to-mortgage in four easy steps
Tell us a few basic details
Share a few details about you and your financial situation, and your home loan expert can negotiate the best options that suit your specific needs.
We find tailored options for you
Our technology allows us to access and compare thousands of home loan options from 30+ lenders, saving you the hassle of navigating through numerous offers.
Your choice with our guidance.
Our experts assist you in selecting the best option for you. As your application progresses, our dedicated team will keep you well-informed at every stage.
We do all the hard work
We do all the heavy lifting, provide expert advice and manage the process the whole way through on your behalf.
Why choose a local broker instead of going direct?
At Koalify, we understand that the mortgage and refinance home loan market in Sydney is dynamic and can often be daunting for potential homeowners and those looking to refinance. The city's property market is characterised by competitive interest rates and fluctuating property values, requiring a strategic and informed approach to secure the best financing options. That's where Koalify steps in, offering a seamless blend of advanced technology and personalised, expert service to simplify your mortgage journey.
Our mission is to make the mortgage process as smooth as possible for you, regardless of whether you're a first-time homebuyer or looking to refinance your existing mortgage. We pride ourselves on our dedication to understanding your unique needs and financial goals. By providing transparent, easy-to-understand guidance, we untangle the complexities of home financing, empowering you with the knowledge to make informed decisions. At Koalify, our knowledgeable team leverages their expertise to secure the best mortgage rates for you, ensuring that our services are always aligned with your best interests. Plus, our services are entirely free for you, as we receive a set commission directly from the lenders. This guarantees that our advice remains unbiased, offering you a wide range of choices to find the perfect loan tailored to your requirements.
Head office: 10 Henrietta St, Waverley, Sydney NSW 2024, Australia
How much does a mortgage broker cost in Sydney?
Mortgage brokers in Sydney may charge you consultation fees or commission charges, depending on their payment structure.
But working with Koalify will not cost you anything. It’s free with zero service fee.
Instead, we charge a commission from our lending partners. When a loan is fully settled, they pay us a small percentage of the loan amount.
What is a mortgage broker?
A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders to help secure a home loan.
What does a mortgage broker do?
A mortgage broker works with multiple lenders to find the best mortgage options for a borrower based on their needs. They take care of searching, comparing, and settling the right home loans for you.
Is it cheaper not to use a mortgage broker?
Working with a no-cost mortgage broker like Koalify will not add any extra expense to your mortgaging process. If anything, it equips you with expert guidance from start to finish and potentially better loan terms, at no extra cost.
Do mortgage brokers get better mortgage rates?
Yes, mortgage brokers can often secure better rates because they have access to multiple lenders, including exclusive broker-only deals. They also negotiate on your behalf and compare options to find the most competitive rate and loan structure for your needs.
What’s better: Mortgage Broker or Bank?
A mortgage broker can help you search, compare, settle, and even potentially get exclusive rates and terms on your home loan. Working with a bank directly means you have to deal with all of this yourself.
In that sense, getting help from an expert like Koalify at no extra cost is the better choice.
