Mortgage Broker Chatswood
Lending in Chatswood
Tiger Mortgage is based in Chatswood — our office is at 403/10 Help St, Chatswood NSW 2067. Whether you’re buying your first home, refinancing an existing loan, or building an investment property portfolio on Sydney’s Lower North Shore, we bring a hands-on, expert-led approach to every deal.
Chatswood is one of Sydney’s most competitive property markets, with some of the highest median house prices on the North Shore. Strong auction clearance rates mean buyers need pre-approval sorted before they step foot in an open home. We move fast — and we only submit applications we’re confident will be approved.
The suburb has a high concentration of finance, tech, and healthcare professionals — many of whom qualify for specialist lending including LMI waivers, higher LVR approvals, and exclusive rate discounts. If you’re a doctor, accountant, lawyer, engineer or work in financial services, ask us what you’re eligible for.
We match your borrowing needs with the right lender from a panel of 40+. From first home buyers navigating the First Home Guarantee, to investors structuring portfolios through trusts and SMSFs — this is what we do every day.
Who We Help in Chatswood
First Home Buyers
Navigating your first home purchase in Chatswood? We’ll walk you through government schemes including the First Home Guarantee (5% deposit, no LMI), explain stamp duty concessions for NSW first home buyers, and get you pre-approved so you can bid with confidence at auction.
Refinancers
If you haven’t reviewed your home loan in the last 2–3 years, you’re likely leaving money on the table. We compare your current rate against 40+ lenders and identify what you could save.
Property Investors
Chatswood and the Lower North Shore offer strong long-term capital growth. Whether you’re buying your first investment property or expanding a portfolio, we structure loans around your tax position, cash flow, and long-term strategy.
Professionals & Self-Employed
Chatswood is home to many high-income professionals whose income structure doesn’t fit the standard bank template. We present your finances the way lenders want to see them — whether you’re earning through a company, trust, ABN, or multiple income streams.
How Tiger Works
Step 1 — Free Consultation
We sit down with you (in person at our Chatswood office, by phone, or via video) to understand your goals, finances, and timeline. No jargon, no pressure.
Step 2 — Lender Matching & Strategy
We assess your borrowing capacity, compare 40+ lenders, and recommend the loan structure that fits your situation — not just the lowest rate, but the right product for your goals.
Step 3 — Application & Approval
We handle the paperwork, liaise with the lender, and manage the application from submission to settlement. We only submit when we’re confident of approval, which is how we maintain our consistently high loan approval rate.
Why Borrowers Choose Tiger in Chatswood
After years in banking, Raymond Liao saw the cracks: clients being shuffled between departments, overlooked details and a lack of genuine service. In 2021, he launched Tiger Mortgage—a Sydney mortgage broking firm, built to do better.
CPA-Qualified Expertise
Australia Top 100 Brokers
40+ Lenders
Near 100% Approval Rate
+150 5-Star Google Reviews
Our Services
We match your financing needs with the right lender, product and strategy.
- Business Acquisitions
- Commercial Property Loans
- Asset & Equipment Finance
Clients we help
We’re a Sydney mortgage broking firm, but our clients come from all over—with lending needs just as diverse.
Expert advice on home loans, investment property loans and refinancing.
Tailored lending perks for doctors, specialists and nurses.
Finance that grows with your business.
FAQs
Do I need pre-approval before bidding at a Chatswood auction?
Yes — unconditionally. Chatswood auctions are fast, competitive, and unconditional. If you bid and win without finance in place, you’re legally committed. We get pre-approvals turned around quickly so you can bid with confidence.
What government schemes are available for first home buyers in Chatswood?
The First Home Guarantee (FHBG) allows eligible buyers to purchase with as little as a 5%* deposit without paying LMI. NSW also offers stamp duty concessions for first homes under $800K* and exemptions under $650K*. Given Chatswood property prices, many buyers look at the scheme for apartments. We’ll tell you exactly what you qualify for.
Is it worth refinancing my Chatswood home loan right now?
Possibly — especially if your loan is more than 2 years old. Lenders rarely reward loyalty; they offer better rates to attract new customers. We compare your current rate against our 40+ lender panel at no cost. Even a modest rate reduction could save you thousands per year. (Savings are indicative only and depend on your loan amount, current rate, and lender. Individual results will vary.)
Do you help with investment property loans in Chatswood?
Absolutely. Chatswood and the Lower North Shore are popular with investors for good reason: strong rental yields, long-term capital growth, and proximity to the CBD. We help structure investment loans to maximise your portfolio’s efficiency — including interest-only periods, offset accounts, and cross-collateralisation strategy.
How much do I need for a home loan deposit?
Generally, 20% of the property value is required by the banks. But that doesn’t mean you won’t be considered if you have less. Some lenders accept as little as 5%, and there may be options to reduce or avoid Lenders Mortgage Insurance (LMI)
See what we offer Professionals and Medical Professionals.
What is Lenders Mortgage Insurance (LMI) and can I avoid it?
LMI protects the lender (not you) when you borrow more than 80% of a property’s value. The LMI premiums can range between 1% and 5% of your loan amount. However, certain professions and income types can qualify for waivers—even with small deposits. Ask us if you’re eligible.
Is it easier to get approved through a broker?
In short: yes. A good broker knows how each lender assesses applications. We match your finances with the right bank (or non-bank lender) from the start—so there are fewer delays and no time wasted applying with the wrong lender. We only ever submit a loan application when we are confident of approval.
Can I buy a property in a different state?
Absolutely. Location doesn’t limit lending. We regularly help clients purchase interstate investment properties or even relocate altogether.
How often should I refinance?
We recommend reviewing your loan every 2 to 3 years—or whenever your circumstances change. Even a 0.5% rate drop could save you thousands. But remember, refinancing isn’t just about rates—it’s about structuring the loan around your goals and your financial future.
What should I consider before refinancing?
Think beyond the headline rate. We look at offset accounts, loan features, exit fees, fixed versus variable options and how your loan fits your long-term goals.
I have multiple income streams—can that affect my borrowing power?
Definitely. If your income comes from ABNs, trusts, contract work or a mix of sources, we’ll present it properly to the lender. It’s all about getting the structure right, and that’s our speciality.
Can I borrow through a trust?
Yes—but not all lenders allow it, and the application process is more complex. We specialise in structuring loans for trusts, SMSFs and company entities. If you think your borrowing structure is complicated, get in touch. We’ll be happy to straighten it out for you.
Do mortgage brokers charge fees?
Tiger usually charges no brokerage fee—we’re paid by the lender after your loan settles, and it doesn’t affect your interest rate. In rare cases, where a fee applies, we’ll flag it clearly before you proceed.
How do I know if a broker is any good?
A good broker should be transparent, proactive and ask the right questions—not just your income and expenses, but your goals, timeline and structure. They should also be accredited with a wide panel of lenders—not just tied to one or two.
Is it faster to go through a broker?
From our experience, it’s definitely faster going through a broker. We assess your application early in the process, so there are no surprises after we submit it to the bank. Because we know what banks want, we’re able to avoid back-and-forth delays and common errors from other brokers that slow down approvals.
Why choose a broker over going straight to a bank?
A bank will only offer you their own products. We compare dozens of lenders and can tailor the structure to your needs—not theirs. Think of us as your lending advocate. Plus, if you have multiple banking requirements, you’ll deal with multiple bankers. Not with Tiger—you’ll only ever deal with one person. Get to know our founder, Raymond Liao.
Also Serving
St Leonards · Ryde · Hornsby · Lane Cove · Willoughby · Artarmon · Crows Nest · North Sydney · Gordon · Pymble · Epping · Macquarie Park
What Does a Mortgage Broker in Chatswood Do?
A mortgage broker in Chatswood acts as an intermediary between borrowers and lenders. Rather than approaching a single bank, a broker compares home loan products across a panel of 40+ lenders — including the Big Four (ANZ, CommBank, NAB, Westpac), credit unions, and specialist non-bank lenders — to find the most suitable rate, structure, and features for your situation.
In a competitive market like Chatswood — where auction clearance rates are high and pre-approval is essential before bidding — having finance sorted before open homes is not optional. Tiger Mortgage, based at 403/10 Help St, Chatswood NSW 2067, provides fee-free mortgage broking to buyers, refinancers, investors, and professionals across the Lower North Shore and Greater Sydney.
Tiger Mortgage is led by Raymond Liao — a CPA-qualified broker ranked in Australia’s Top 100 and winner of multiple industry awards including The Adviser Newcomer of the Year 2023. The firm has a consistently high loan approval rate and over 150 five-star Google reviews.
