Trusted Sydney Mortgage Broker and Home Loan Expert

Keystone Home Loans is proudly based in Arncliffe, NSW, in Sydney. Phillip Bui is the founder and principal mortgage broker.

Whether you’re based locally or overseas, we’re here to help, partnering with clients across Australia and around the world to achieve their property goals.

Yes. Phillip is an Accredited Mortgage Broker and Full Member of the Mortgage & Finance Association of Australia (MFAA).

Credit Representative Number 564704 is authorised under Australian Credit Licence Number 384704. Trading as Keystone Home Loans Pty Ltd ATF BEMA Family Trust.

Our free consultations give you clear next steps without any pressure or obligation. Phillip gets to know you, your needs and your goals based on your financial situation, so you’ll walk away knowing what your loan options may look like and what the process involves. Some of the most common questions we cover are:

• What are the steps involved
• should I pay other debts down
• If I have more deposit will I get a lower rate,
• How do I finance building a home,
• Can I get any First Home Buyer Grants and Schemes to help me buy sooner?

Whether you need a loan now or you’re still planning, the consultation is a simple way to understand where you stand and what to do next.

No in-person visit is needed. You can do everything via phone or video, which is easier around work and family.

Most banks allow electronic signing, so you can complete the whole process from home. If something does need witnessing, a JP can help. It’s also why we can help clients across Australia and overseas.

It depends on the lender and how complex your application is. Some approvals come through within days of the application being submitted; it can take longer if lenders are experiencing delays.

Being prepared early makes a noticeable difference, and we’ll guide you on what to do so your application moves smoothly.

Requirements vary by lender, but most will need documents that confirm your identity, income, debts, assets and credit history. These help us match you with the right loan.

Personal

• Driver licence or passport
• Last 3 years of addresses
• Last 3 years of employment

Banking

• Recent statements for all accounts (savings, credit cards, loans)

Income

• PAYG: last 2 payslips, employment contract, PAYG summary/Notice of Assessment
• Self-employed: 2 years of tax returns, financials, recent BAS, accountant’s letter
• Rental income: statements showing rental income, rates notices

Properties you already own

• Rates notices
• Contract of sale if buying

For most people, nothing. Brokers are paid by the lender after settlement, similar to how banks pay their own staff.

If a fee is ever needed for a specific situation, we’ll explain it clearly before anything goes ahead.

It helps to have a rough idea of your goals, but it’s completely fine if you’re still unsure. Think about:

• Where you want to buy
• What you think you can afford to buy
• Whether you plan to renovate
• How long you want to stay in the property
• Any upcoming lifestyle or income changes
• Whether you want an investment property later
• Your income, assets and debts
• What you need to know to make a good decision

This simply helps us give clearer advice from the start.

A good broker makes things feel simple, not overwhelming.

Ask questions like:

• How much experience have you had with situations like mine?
• How would you approach our goal (buy, build, renovate)?
• What do we need to prepare?
• What should we be careful of?
• How will our future goals affect the loan we choose?
• How should we manage the loan once it’s set up?

You should feel supported and clear on what happens next, not confused or rushed.

Most Australian home buyers now get their home loan through a mortgage broker rather than going direct to a bank. If you’ve already spoken to your bank, you might be wondering whether it’s worth talking to a broker as well. For most people, it is. Here’s why:

1. Banks only show their own loans; we compare over 50 lenders and hundreds of loan options.

2. We’re not owned by a bank, so we work in your best interests.

3. We do the groundwork, from research to presenting the most suitable options for you.

4. We manage the paperwork from application to settlement and keep you informed.

5. We keep supporting you after settlement, reviewing and renegotiating your rate.

A Mortgage Broker works for you, not the bank. We compare loan options from more than 50 lenders, prepare your application and guide you through each step until approval.

We also help you choose the right loan structure, understand your repayments and set up your loan in a way that supports your future plans, whether that’s renovating, upgrading or investing.

Home loans can be confusing and time-sensitive, so having someone guide you through the decisions makes the whole process much clearer.