Sydney's Premier Independent Mortgage Broker

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In the age of free money flooding into the market,
we are helping you build up your own reservoir of wealth.

In the age of free money flooding into the market, we are helping you build up your own reservoir of wealth.

Reservoir Finance Testimonials

  • Avatar huiling wang ★★★★★ 4 months ago
    kevin cheng is a very helpful and professional broker. he is very familiar with different bank's … More policy and procedure, very efficient with applying process. thank you kevin for your great work with my application completed!
  • Avatar 荀剑阳 ★★★★★ 4 months ago
    Kevin Cheng is very good. If you need to find a good broker, Kevin is the best choice.
  • Avatar Nicole Ge ★★★★★ 8 months ago
    I would like to thank Kevin for his excellent service. He is very professional and quick in response. … More I would highly recommend him and can’t wait to work with him again.

Read more reviews on Google

40+ lenders with interest rates from 3.14%

reservoir finance lender panel

40+ lenders with interest rates from 3.14%

reservoir finance lender panel

Who Are We?

Reservoir Finance is an independent (not owned by a bank or lender) and value-based Mortgage Broker located in the Sydney CBD serving anyone who wants to finance a property purchase, start a business or buy a car in Australia.


We are committed to providing you with a superior level of knowledge, expertise and service that goes above and beyond other mortgage brokers. Our background stems from our team’s past successes as we look to serve Australians from all walks of life.

Why Are We Different?

At Reservoir Finance, what makes us different is that we teach you how to navigate the game of finance in order to maximise your investments and wealth creation.

Working with Reservoir Finance is not simply about maximising your borrowing capacity, providing you with three loan options or finding you the lowest variable interest rates or just helping you get a loan approval. What sets us apart from other Sydney mortgage brokers is that we make sure we are positioning you with flexibility for the next home loan or refinance.

When you combine this with our broker’s in-depth knowledge of the Sydney property market (our brokers love to talk about property investment), you can have confidence that we are the right partners for you to help with your property purchases.

As a client of Reservoir Finance, we have a big focus on educating our clients as we want the best long term outcome for you.

Whether you are a first home buyer with limited funds or someone who owns an existing home and is looking to refinance and take advantage of the cashback offers available, we want to work with you!

Unlike our competitors, we do not charge upfront or break fees for 99% of our applications as we genuinely look out for your best interests.

We’re specialists. We’re transparent. We will guide you all the way.

Our Services

Loans for First Home Buyers

It is the best time for first home buyers to jump into the property market now! We will guide you towards the best deal.

Great Deals for Refinance

It’s no secret that lenders treat their existing clients badly, which is a “loyalty tax”. We are experts for eliminating loyalty tax.

Free Loan Health Check

While refinancing is not always an option, checking & re-negotiating with your current lender should always be the starting point.

Home Loans

Buying a property for owner occupying or investing? We will help you to get a great deal and structure your home loan for the future.

Commercial Loans

Looking to purchase a commercial property for its high cashflow? Let us help you to finance your next commercial purchase.

Car Loans

Looking to buy a car for personal, for family, or for business use? We have access to quick application with less hassles.

Non-Resident Loans

Can people living outside of Australia still borrow money from Australian lenders? Certainly, and they can get a deal as good as locals.

Business Loans

Starting a new business? Looking to expand? We can help you grow and expand your business without putting pressure on cashflow.

Personal Loans

An urgent medical matter? An unplanned holiday plan? An upcoming wedding celebration? Upgrading furniture? No worries, we are able to help you out!

Why choose us and why choose a mortgage broker?

Mortgage brokers aim to provide advice, help simplify, provide you with a choice of lending solutions and guide you through the process of getting a loan to buy, build or refinance your home or investment property. Compared with applying for a loan with a bank, a mortgage broker offers many advantages over a bank. However there are many things to be aware of when choosing a good mortgage broker. Finding the best deal on interest rates or repayments isn’t the only thing a mortgage broker can do to help add value to your financial goals.

At Reservoir Finance, we aim to help our clients save time, money and stress. We keep up to date with each lenders’ loan products and credit policies in order to give you confidence you are getting the best loan deal for your circumstances.

Our clients come from all walks of life, so depending on your situation, whether you are a first home buyer with a small deposit looking for a lenders mortgage insurance waiver, a seasoned property investor or looking to save on your loan rates by searching for a better bank, we will assess your personal circumstances and financial situation to ensure we provide you with great options to choose from (this is why we work with 40+ lenders! Not many mortgage brokers do!)

comparison of features for mortgage broker vs bank

Don't worry, you're in good hands!

Our mortgage broker team is full of experienced brokers who have worked and know the ins and outs of the finance sector before joining Reservoir Finance. Having worked in banks, they ultimately chose to be a mortgage broker because they wanted to be the best in their craft in order to provide the best customer service experience. You can check out our customer reviews on Google to read about our clients’ experiences in working with us.

Some of our members have even have a small (but growing) public profile as we seek to give back to our local communities.

AS FEATURED IN...

Chat with us, obligation free.

We would love to hear from you. Call us, email us or visit us (yes we are open during COVID-19!) today for an obligation free chat about whether we can be suitable mortgage brokers for you. We can work with you online if it is more convenient for you

Our office is located near World Square in the Sydney CBD. It is a short walk from Town Hall or Central Station and one block away from George Street.

Whilst we are a Sydney based mortgage broker, we service Australians nationally. Our clients asks us all sorts of questions about different finance options, loan pre – approvals, investment loans, economics, how to save for a deposit and more! We are more than happy to help if you have a question about anything related to loans or even if you are looking for a second opinion from a trusted Sydney mortgage broker.