02 9955 1176
0412 129 512
6/122 Arthur Street North Sydney NSW 2060

John Ruddick Home Loans

If you live in NSW and need a residential mortgage I want to be your mortgage broker.

I am keen to hear from you if you are a:

  • First home buyer
  • Next home buyer
  • An investor
  • Buying in the name of a trust
  • Borrowing for a business purpose
  • Borrowing to pay a tax bill
  • Restructuring an existing mortgage
  • Refinancing from one lender to another

Since 2001 my passion has been to help people not only suitably structure their mortgage debt but to help them understand the strategy behind the structure. Mortgages are increasingly complex. Government and lender policy is constantly being updated and so it is in your interests to be aware of what the latest thinking is in relation to optimal mortgage structuring.

As a mortgage broker I assist you with calculating your borrowing capacity and options. We can then discuss which lender is appropriate for your circumstances and I will then prepare an application to be sent to the lender for a formal assessment. I hold the borrowers hand all the way through to settlement and for most borrowers I do not charge a fee. I only charge a fee when an application is complex and we are uncertain of an approval … but that fee is refunded if your loan does settle.

I have a Diploma in Mortgage Lending and a Bachelor of Arts from the University of Sydney. I am a member of the Mortgage and Finance Association of Australia (MFAA) and work under the Australian Finance Group which is the largest mortgage aggregator in Australia and a publicly listed corporation. The Australian Credit Licence we worked under is 389087.


What borrowers have said about us in 2016

John gave very responsive service, kept us up to date at all times, excellent problem solving and went the extra yards when necessary.


My wife and I can't say enough about the professionalism and excellent work of John Ruddick Home Loan as a company and as a person. We've been with John and using his great service since 2004 till present and we have been recommended him with two of my colleagues at work and both of them used John's expertise as a Broker to get their first home. We are all happy and would recommend his service now and in the near future to all my friends.


John Ruddick has been a broker for many business ventures over the years and has always been someone I could have complete confidence in to handle whatever difficulties arose and to provide the service I needed to get the job done. John was also there for me when my children needed the best help and advice when purchasing their first homes and being set up with the right loan


My husband & I have used John’s financial services for over 10 years. John has been with us through all our property purchases with advise & support. His outstanding & professional advise has always given us the absolute best financial results.