30+ Lenders Compared
Not just one bank.
26 Years Experience
Banking & finance industry
MFAA Member
Industry accredited
Eastern Suburbs Specialists
Randwick, Bondi, Maroubra & more
SYDNEY MORTGAGE BROKER - EASTERN SUBURBS & CBD
Buy with Confidence, Invest with Strategy, Refinance for Savings
We go beyond the transaction to structure your loan around long-term wealth, not just your next purchase.
Backed by 26+ years of banking experience.
Prefer to call? Reach Lenny directly: 0438 115 643
EXCLUSIVE OFFER FOR ELIGIBLE FIRST HOME BUYERS
We'll Help You Get Into Your First Home - And Save You Up to $2,500 Along the Way.
Eligible first home buyers across Sydney's Eastern Suburbs may receive a Conveyancing Rebate up to $2500.
Through our exclusive partnership with Kydon Segal Lawyers. Subject to eligibility*
What We Do
Home loan solutions for every stage.
Whether you're buying your first home in Randwick, refinancing in Bondi, or building an investment portfolio in Double Bay - we have the right lending solution for your situation.
First Home Buyer Loans
Navigate the First Home Guarantee, stamp duty exemptions, and 30+ lender options - with Lenny guiding you every step. Subject to eligibility and lender criteria.
Strategic Refinancing
Already own? We review your current loan and compare 30+ lenders to find whether refinancing could reduce your repayments or unlock equity. Subject to lender criteria.
Transparency First
How Does a Mortgage Broker Work in Australia?
Many first-time clients aren't entirely sure what a mortgage broker actually does, or how we're paid - so it's worth explaining clearly.
Mortgage brokers in Australia act as the middle step between you and the lender. Rather than researching every bank yourself, we compare mortgage and finance options across our panel of lenders, matching you to the loan that suits your situation - whether that's a straightforward property purchase, an investment property, or a refinance.
Every step of the process, from your first chat through to settlement and beyond, is designed to be transparent about what's happening and why.
How does a Mortgage Broker get paid? Lenders pay brokers an upfront commission when a loan settles, and an ongoing trail commission for as long as the loan remains active. This is standard across the financial services industry in Australia. It doesn't cost you anything directly, and it doesn't change the interest rate or terms you receive. We're also legally required to act in your best interests when recommending a loan.
Loan Options Explained
Understanding Your Home Loan Options
Not every loan is the same, and part of our job is helping you understand which type suits your situation.
01
Fixed vs Variable Rate Loans
A fixed rate loan locks in your interest rate for a set period, while a variable rate loan moves with the market - each comes with its own trade-offs in flexibility versus certainty. We help you understand which is right for your situation.
02
Lenders Mortgage Insurance (LMI)
If your deposit is under 20%, most lenders require mortgage insurance, which protects the lender rather than you - though there are ways to reduce or avoid this depending on your situation. Eligible first home buyers may qualify for the First Home Guarantee (5% deposit, no LMI).
03
Interest Rates
The rate you're offered depends on your deposit, credit history, and the specific lender's current pricing - which is exactly why comparing across a panel of lenders, rather than a single bank, tends to produce a better outcome.
Whichever combination applies to your property purchase, we walk you through the options in plain English before you commit to anything.
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MEET YOUR BROKER
Lenny Briffa - your Eastern Suburbs mortgage broker.
"I spent 26 years inside the banking industry before founding Orca. I know how lenders think - and I use that knowledge to get my clients the right outcome."
Lenny Briffa
Founder & Principal Mortgage Broker, Orca Home Loans
26 years of banking experience
MFAA member - Mortgage & Finance Association of Australia
Credit Representative 574432 | ACL 389328
Based in Sydney CBD, serving the Eastern Suburbs and greater Sydney
Available in person, by phone, or virtually - wherever suits you
Find competitive rates and flexible loan options across our trusted lender network.
Eligible first home buyers may receive up to $2,500 back on conveyancing.
Through our exclusive partnership with Kydon Segal Lawyers, eligible first home buyers across Sydney's Eastern Suburbs and greater Sydney may receive a conveyancing rebate of up to $2,500. Subject to eligibility. Ask Lenny at your strategy chat.
Prefer to call? Reach Lenny directly: 0438 115 643
Common Questions
Home loan FAQ
Questions we hear most often from first home buyers, refinancers, and investors across Sydney's Eastern Suburbs.
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