[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2025\/09\/04\/using-a-mortgage-broker-vs-going-direct-to-a-bank-in-nsw\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2025\/09\/04\/using-a-mortgage-broker-vs-going-direct-to-a-bank-in-nsw\/","headline":"Using a Mortgage Broker vs Going Direct to a Bank in NSW","name":"Using a Mortgage Broker vs Going Direct to a Bank in NSW","description":"Should I use a mortgage broker or bank? Watch this video on YouTube. Mortgage Broker vs Bank NSW When it comes to securing a home loan in New South Wales, many buyers ask the same question: Should I use a mortgage broker or go directly to a bank? Both options have their merits, but understanding \u2026 <a class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2025\/09\/04\/using-a-mortgage-broker-vs-going-direct-to-a-bank-in-nsw\/\" aria-label=\"Read more about Using a Mortgage Broker vs Going Direct to a Bank in NSW\">Read: Using a Mortgage Broker vs Going Direct to a Bank in NSW<\/a>","datePublished":"2025-09-04","dateModified":"2025-10-12","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/gNi0UKlLmRg\/0.jpg?resize=640%2C340&ssl=1","url":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/gNi0UKlLmRg\/0.jpg?resize=640%2C340&ssl=1","height":"340","width":"640"},"url":"https:\/\/truthgroup.com.au\/2025\/09\/04\/using-a-mortgage-broker-vs-going-direct-to-a-bank-in-nsw\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg","name":"Should I use a mortgage broker or bank?","description":"Mortgage Broker vs Bank in NSW | Buyer\u2019s Agent & Mortgage Broker Advice\n\nThinking about buying a home or investment property in New South Wales? Should you use a mortgage broker or go directly to your bank? In this video, I break down the pros and cons of each option so you can make the best choice for your situation.\n\nAs a licensed Buyer\u2019s Agent & Mortgage Broker, I help clients across NSW with home loan applications, property searches, and investment strategies. Whether you\u2019re a first-home buyer, refinancing, or looking to grow your property portfolio, this guide will save you time and stress.\n\n\ud83d\udccc What you\u2019ll learn in this video:\n\nThe advantages of using a mortgage broker\n\nThe potential benefits of going direct to a bank\n\nWhich option is better for NSW buyers and investors\n\nHow to get prepared for your home loan in 2025\n\n\ud83d\udc49 Ready to take the next step?\nRead my full guide: How to Prepare Your NSW Home Loan Application in 2025 at truthgroup.com.au\n\nOr reach out directly for help with your home loan application and property search.\n\n#mortgagebrokernsw  #buyersagentsydney  #propertyfinance  #NSWHomeLoan #propertyinvestmentaustralia  #homeloantips  #mortgageplanning","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/gNi0UKlLmRg\/default.jpg","https:\/\/i.ytimg.com\/vi\/gNi0UKlLmRg\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/gNi0UKlLmRg\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/gNi0UKlLmRg\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/gNi0UKlLmRg\/maxresdefault.jpg"],"uploadDate":"2025-09-04T10:13:06+00:00","duration":"PT1M9S","embedUrl":"https:\/\/www.youtube.com\/embed\/gNi0UKlLmRg","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"},"interactionStatistic":[[{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg#VideoObject_interactionStatistic_WatchAction","interactionType":{"@type":"WatchAction"},"userInteractionCount":2}],{"@type":"InteractionCounter","@id":"https:\/\/www.youtube.com\/watch?v=gNi0UKlLmRg#VideoObject_interactionStatistic_LikeAction","interactionType":{"@type":"LikeAction"},"userInteractionCount":1}]},"about":["Latest Post"],"wordCount":364,"keywords":["Buyers Agents Hoxton Park","Buyers Agents South West Sydney","Home and land packages","mortgage broker","mortgage brokering","mortgage planner","mortgage planning"],"articleBody":"Should I use a mortgage broker or bank? Watch this video on YouTube.Mortgage Broker vs Bank NSW.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_1, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_1[data-kb-block=\"kb-adv-heading34047_fd21ec-05_1\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_1[data-kb-block=\"kb-adv-heading34047_fd21ec-05_1\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_1[data-kb-block=\"kb-adv-heading34047_fd21ec-05_1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}When it comes to securing a home loan in New South Wales, many buyers ask the same question: Should I use a mortgage broker or go directly to a bank? Both options have their merits, but understanding the differences can save you time, stress, and money..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_2, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_2[data-kb-block=\"kb-adv-heading34047_fd21ec-05_2\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_2[data-kb-block=\"kb-adv-heading34047_fd21ec-05_2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_2[data-kb-block=\"kb-adv-heading34047_fd21ec-05_2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why Consider a Mortgage Broker?.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_3, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_3[data-kb-block=\"kb-adv-heading34047_fd21ec-05_3\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_3 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_3[data-kb-block=\"kb-adv-heading34047_fd21ec-05_3\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_3 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_3[data-kb-block=\"kb-adv-heading34047_fd21ec-05_3\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A mortgage broker acts as your property financing guide, helping you navigate the many lenders and loan products available in the market. Instead of being limited to one bank\u2019s offerings, a broker gives you access to a wide range of lenders\u2014including major banks, credit unions, and specialist lenders.Key benefits of using a broker in NSW:.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_5, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_5[data-kb-block=\"kb-adv-heading34047_fd21ec-05_5\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_5[data-kb-block=\"kb-adv-heading34047_fd21ec-05_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_5[data-kb-block=\"kb-adv-heading34047_fd21ec-05_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tAccess to more lenders: You\u2019re not restricted to one bank\u2019s policies or rates..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_6, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_6[data-kb-block=\"kb-adv-heading34047_fd21ec-05_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_6[data-kb-block=\"kb-adv-heading34047_fd21ec-05_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_6[data-kb-block=\"kb-adv-heading34047_fd21ec-05_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tTailored solutions: Brokers can match you with a loan that fits your unique needs, whether you\u2019re a first-time buyer, property investor, or refinancing..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_7, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_7[data-kb-block=\"kb-adv-heading34047_fd21ec-05_7\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_7[data-kb-block=\"kb-adv-heading34047_fd21ec-05_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_7[data-kb-block=\"kb-adv-heading34047_fd21ec-05_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tTime-saving: Instead of making multiple appointments with different banks, a broker does the research and negotiation for you..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_8, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_8[data-kb-block=\"kb-adv-heading34047_fd21ec-05_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_8[data-kb-block=\"kb-adv-heading34047_fd21ec-05_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_8[data-kb-block=\"kb-adv-heading34047_fd21ec-05_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tExpert guidance: A broker explains the fine print and ensures your loan structure supports your long-term financial goals.Going Direct to a Bank.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_10, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_10[data-kb-block=\"kb-adv-heading34047_fd21ec-05_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_10[data-kb-block=\"kb-adv-heading34047_fd21ec-05_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_10[data-kb-block=\"kb-adv-heading34047_fd21ec-05_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Working directly with a bank can seem straightforward, especially if you already have accounts there. Banks may offer loyalty perks or discounted rates for existing customers. However, you\u2019re limited to their products only, which might not always be the most competitive or flexible.Potential pros of going direct:.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_12, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_12[data-kb-block=\"kb-adv-heading34047_fd21ec-05_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_12[data-kb-block=\"kb-adv-heading34047_fd21ec-05_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_12[data-kb-block=\"kb-adv-heading34047_fd21ec-05_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tFamiliarity if you already bank with them..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_13, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_13[data-kb-block=\"kb-adv-heading34047_fd21ec-05_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_13[data-kb-block=\"kb-adv-heading34047_fd21ec-05_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_13[data-kb-block=\"kb-adv-heading34047_fd21ec-05_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tStreamlined paperwork if you\u2019re an existing customer..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_14, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_14[data-kb-block=\"kb-adv-heading34047_fd21ec-05_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_14[data-kb-block=\"kb-adv-heading34047_fd21ec-05_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_14[data-kb-block=\"kb-adv-heading34047_fd21ec-05_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2022\tPossible relationship discounts..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_15, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_15[data-kb-block=\"kb-adv-heading34047_fd21ec-05_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_15[data-kb-block=\"kb-adv-heading34047_fd21ec-05_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_15[data-kb-block=\"kb-adv-heading34047_fd21ec-05_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}But keep in mind\u2014you\u2019re relying on one lender\u2019s assessment criteria, which could affect your borrowing power.Which Option is Better in NSW?.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_17, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_17[data-kb-block=\"kb-adv-heading34047_fd21ec-05_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_17[data-kb-block=\"kb-adv-heading34047_fd21ec-05_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_17[data-kb-block=\"kb-adv-heading34047_fd21ec-05_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}For most buyers and investors in NSW, a broker offers greater choice, flexibility, and support throughout the loan process. That said, if you have a long-standing relationship with your bank and they\u2019re offering a highly competitive deal, it may still be worth considering..wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_18, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_18[data-kb-block=\"kb-adv-heading34047_fd21ec-05_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_18[data-kb-block=\"kb-adv-heading34047_fd21ec-05_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_fd21ec-05_18[data-kb-block=\"kb-adv-heading34047_fd21ec-05_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\ud83d\udc49 Before deciding, make sure you\u2019re fully prepared. Check out our guide: How to Prepare Your NSW Home Loan Application in 2025.wp-block-kadence-advancedheading.kt-adv-heading34047_3ce949-96, .wp-block-kadence-advancedheading.kt-adv-heading34047_3ce949-96[data-kb-block=\"kb-adv-heading34047_3ce949-96\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading34047_3ce949-96 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading34047_3ce949-96[data-kb-block=\"kb-adv-heading34047_3ce949-96\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading34047_3ce949-96 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading34047_3ce949-96[data-kb-block=\"kb-adv-heading34047_3ce949-96\"] img.kb-inline-image{width:150px;vertical-align:baseline;}"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2025","item":"https:\/\/truthgroup.com.au\/2025\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"09","item":"https:\/\/truthgroup.com.au\/2025\/\/09\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"04","item":"https:\/\/truthgroup.com.au\/2025\/\/09\/\/04\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Using a Mortgage Broker vs Going Direct to a Bank in NSW","item":"https:\/\/truthgroup.com.au\/2025\/09\/04\/using-a-mortgage-broker-vs-going-direct-to-a-bank-in-nsw\/#breadcrumbitem"}]}]