Home loan advice as considered as the home you're buying.
Pattie & Co compares 400+ loans across Australia's major lenders to find the structure that actually fits your life — owner‑occupied, investment, SMSF or your first home. Free of charge, in English or Chinese.
Beyond the headline rate
A low rate on the wrong structure costs more than a fair rate on the right one. Here's what that looks like in practice.
Structured for your goals
Offset accounts, fixed/variable splits and repayment structures chosen around what you're actually trying to do — not just today's advertised rate.
Access, not guesswork
400+ products across major Australian lenders, plus a complimentary property appraisal report, so recommendations are backed by real data.
A broker who stays
Most of Pattie & Co's clients come from referrals and repeat business — including regular reviews to renegotiate your rate as the market moves.
Finance for every stage of property ownership
Whichever kind of loan you need, it starts with the same free, no‑obligation conversation.
Owner‑Occupied
Buying or refinancing the home you'll live in — structured for today's budget and tomorrow's plans.
EnquireInvestment Lending
Loan structures built around cash flow, equity and long‑term portfolio growth, not just the purchase.
EnquireSMSF Lending
Property finance inside a self‑managed super fund, coordinated with your accountant and trustee structure.
EnquireFirst Home Buyers
Guidance through government schemes, grants and lender's mortgage insurance waivers for your first purchase.
EnquireCommercial Loan
Purchase finance for warehouses, offices, petrol stations and motels — structured around the property's income and your business goals.
EnquireReal access to Australia's major lenders
Pattie & Co is accredited with the big four banks and dozens of specialist and non‑bank lenders, so recommendations are genuinely compared, not limited to one institution.
Three steps, start to settlement — and beyond
Free discovery chat
We talk through your goals and borrowing capacity, and run a complimentary property appraisal where relevant.
Compare & structure
Your options across 400+ products are compared and shortlisted, with a recommended structure explained plainly.
Settle, then stay supported
We manage the approval through to settlement — and keep reviewing your rate long after the paperwork's done.
Recent thinking on the Sydney market
The First Home Buyer's Guide to Getting Started
Borrowing capacity, deposits, government grants and the step‑by‑step path from pre‑approval to settlement.
Read article RatesFixed, Variable, or Split? How to Choose
How to weigh repayment certainty against flexibility when locking in a rate in the current cycle.
Read article StrategyDebt Recycling, Explained Plainly
Turning non‑deductible home debt into deductible investment debt — where it works, and where it doesn't.
Read article Loan FeaturesOffset Account or Basic Home Loan?
Two ways to save interest on your mortgage, and how to work out which suits your savings habits.
Read article InvestingUsing Equity to Invest in Property, the Right Way
How accessible equity is calculated, and the loan structures experienced investors use to protect flexibility.
Read articleWhat it's like to work with Pattie & Co
"Pattie & Co Financial Services is the trusted and reliable name on which I have had great experience during my home loan journey. Pattie is very supportive and professional person. It is highly recommended to anyone who is looking for home loan can easily choose her firm without any hesitation."
"Pattie and her team are the most efficient and smartest mortgage broker in the Sydney market. Not only the communication is of very high standard she has excellent knowledge of business finance. So, if you have a small business then Pattie will make it look easy to get a loan approval."
"I had a fantastic experience working with Miss Pattie for both refinancing my previous property and securing a loan for my current one. She is incredibly professional and efficient, making the entire process smooth and stress‑free. I highly recommend her to anyone looking for a reliable and knowledgeable broker."
"I am incredibly grateful for Pattie's exceptional service and support in helping me apply for a home loan. Thanks to her hard work and dedication, I found my dream property and had a positive and enjoyable experience from start to finish. Communication with Pattie was seamless and efficient — her responsiveness and transparency made the entire process smooth and stress‑free."
"I am writing to highly recommend Pattie as an exceptional mortgage expert who consistently goes above and beyond. What truly sets Pattie apart is her unwavering commitment to client satisfaction — she took time to listen attentively to our preferences and concerns, ensuring every option was transparently explained. She is top notch for her approachability, responsiveness, and willingness to go the extra mile."
"Outstanding mortgage broker who is happy to think much more than a normal banker. We have used Pattie for many years and she is always reliable, honest and very smart. We had a really complex income situation and a very poor borrowing capacity according to our bank — Pattie helped us find a suitable product from a 2nd tier lender and helped us purchase a property we were very keen on."
Real 5‑star reviews from Google — thank you to every client who took the time to write one.
Frequently asked questions
Does it cost anything to use a mortgage broker?
How many lenders do you compare?
Do you help with SMSF property loans?
Can I be served in Chinese?
How long does pre‑approval take?
Meet Pattie
Pattie Guo is a highly experienced and multi‑award‑winning mortgage broker serving clients across Sydney, recognised throughout the industry for her professional expertise and outstanding client outcomes.
Before entering mortgage broking, Pattie spent 10 years as a CPA‑qualified accountant in corporate roles, most recently as a Management Accountant specialising in financial analysis and strategic financial management — giving clients a genuine advantage: a deeper understanding of lending structures, cash flow and long‑term wealth strategy that goes well beyond comparing rates.
With more than 10 years in mortgage and finance broking, Pattie is an Accredited Mortgage Broker and a full member of the Finance Brokers Association of Australia (FBAA). She works with first home buyers, seasoned property investors and business owners alike, across residential lending, commercial finance, refinancing and investment lending — fluent in both English and Mandarin, and available to clients seven days a week.
Let's find the right structure for your next move.
Book a free, no‑obligation chat — in person at Gordon, by phone, or by video. There's no cost to speak with Pattie & Co, and no obligation to proceed.
Gordon NSW 2072