The Sydney numbers
The average new owner occupier loan in New South Wales was $842,000 in the June quarter of 2026, the highest of any state, and brokers and lenders wrote 20,641 new owner occupier loans in the state over the quarter, on the ABS lending indicators. Sydney's median dwelling value was $1,222,718 in August, down 1.4% in the month and 4.6% over the year, on Cotality's index. New South Wales also lost 21,465 people to other states in the year to December 2025, on the ABS population release.
Put together: fewer buyers, bigger loans, and a lot of existing borrowers watching their rate and their equity. That is a refinance market with a purchase market underneath it.
Which lead types Sydney produces
Refinance and cash out enquiries lead, because a borrower with an $842,000 loan has more to gain from a rate move than anyone else in the country. First home buyer enquiries rose after the 5% deposit scheme's Sydney price cap moved to $1,500,000 on the government's cap table, and 61% of New South Wales first home buyers were considering rent-vesting in Westpac's survey, so many first home enquiries are investment enquiries in disguise. The record asks.
What a Sydney record carries
Beyond the fields every record carries, a Sydney campaign captures the things that decide a large loan.
- Loan purpose: refinance, cash out, purchase or first home, with the current lender and balance for refinancers
- Rough loan amount, which matters more in Sydney than anywhere else
- Employment type and existing debts, because the ratio limits bite hardest on big loans
- Suburb or region of Sydney, or elsewhere in the state
- Timing in the enquirer's own words, plus the time stamp and consent record
Finance screening in Sydney
The largest loans meet the strictest ratios, so the finance screen matters most here. Of high income property enquirers we measured, 51.8% fail on finance; fewer than 5% of leads cleared by the PrimeProof screen do. Every enquiry is also phone verified by SMS and checked against records already sent to you. A lender still decides.
Who this is not for
Brokers licensed or panelled for one state other than New South Wales. A Sydney campaign can be set to Sydney postcodes only, or to the whole state, but it cannot be set to send Sydney enquirers to a broker who cannot write them.
Pricing
A fixed cost per verified lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you and delivered live into your CRM. Invalid leads are reviewed within five business days and replaced or credited when confirmed.