XIN Mortgage is a North Sydney brokerage on Mount Street that operates as the mortgage arm of XIN's broader financial-services business (alongside XIN Wealth and XIN Financial). They're a 5.0-star firm at 906 Google reviews, ranked #21 on The Adviser's Top 25 Brokerages 2026 list and #6 nationwide on the Mortgage Professionals Australia 2025 rankings.
The brand markets a multi-language broker bench (with notable strength serving Mandarin and Cantonese-speaking clients) and offers an ongoing-care program called XIN Signature Lite covering rate reviews, EOFY check-ups and annual financial reviews. Trading hours are weekday 9:30 AM to 5:30 PM. Service costs nothing directly — brokers are paid by the lender on settlement. Clients meet in person at North Sydney or work remotely across Australia.
XIN Mortgage runs as a multi-broker team. Most-named in recent reviews: Lewie, Jason Fang, Jessie Shen, Vicky, Joe Zhou, Angeline, Teng Kong, Iris, Maggie, Daniel, Yan Chen and Joycelyn. Lewie and Jason appear most frequently across the latest twenty. The team's specialisations skew towards investment property, SMSF lending, commercial and clinic-purchase finance, and structures for higher-borrowing-power scenarios.
What clients say: strategic loan structuring rather than transactional rate-shopping, careful explanation for first-time borrowers, and fluency with complex setups (SMSF, trust, business loans). Reviewers repeatedly note return engagements over multiple years and properties. Strong fit for investors and investment-property buyers, SMSF borrowers, business and commercial-loan applicants, and Mandarin/Cantonese-speaking clients. Less of a fit for borrowers seeking weekend office hours or a single solo principal.
Recent verbatim reviews. See the firm's Google profile for the full set.
Vicky is not the first mortgage broker we've had, but she is definitely the best. Her knowledge on borrowing in structures is exemplary. She was able to advise us on what each lender looks for in order to maximise our borrowing power and chose the right lender for our situation.
Over the past year, we have worked closely with Joe Zhou from Xin Mortgage, during the establishment and purchase of our new clinic… We would confidently recommend Xin Mortgage to anyone looking for a knowledgeable and trustworthy broker, particularly for business or commercial lending.
We couldn't recommend Jason highly enough. He is incredibly strategic and knowledgeable, and we wouldn't have been able to achieve our investment strategy without his support. Jason goes beyond just securing a loan — he truly understands how to structure lending to support long-term goals.
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