The market the campaign sells into
Sydney's median dwelling value was $1,222,718 in August 2026, down 1.4% in the month and 4.6% over the year, on Cotality's index. New South Wales borrowers took out 20,641 new owner occupier loans in the June quarter at an average of $842,000, the largest in the country, on the ABS lending indicators. The state lost 21,465 people to other states in the year to December 2025, on the ABS population release.
Fewer buyers and bigger existing loans means the ad that works in Sydney talks to people who already have a mortgage: the rate they are on, the equity they have, and the fixed term that is ending.
Which angles work in Sydney
The angles that produced leads that answered the phone in a falling market, and the ones that did not.
- Refinance and rate review angles, aimed at borrowers on the largest loans in the country
- Cash out angles for renovation and investment deposits, where equity is still there despite the fall
- First home buyer angles under the $1,500,000 Sydney cap on the government's table, which brought many previously excluded buyers into the scheme
- Rent-vesting angles, since 61% of New South Wales first home buyers were considering it in Westpac's survey
- Not: generic purchase angles aimed at upgraders, who are waiting for the market to settle
Criteria for a Sydney campaign
The criteria decide what counts as a lead and what is billed. For Sydney the ones that matter are the loan range, because an $842,000 average makes small loans rare and expensive to chase; the postcodes, because a Sydney campaign can run city wide or to a region; and the loan purposes, because refinance and purchase enquiries need different scripts. Write them down before the campaign starts.
The callback in Sydney
A Sydney refinancer is comparing lenders the same afternoon, and the bank they are leaving will make a retention offer. Delivery is live into your CRM. The rota that puts someone on the phone within minutes is yours, and it decides more of the outcome than the ad does.
The weekly loop
Rate news moves Sydney enquiries within days. Each week spend moves toward the angles whose leads answered and away from those that faded, and your feedback on which refinancers settled goes back into the targeting. Volume rises in steps once the leads at the current level hold up.
Who this is not for
Brokers without New South Wales coverage, or brokers who want a purchase-heavy campaign. Sydney in 2026 produces refinancers first. A broker whose book is built on buyers should read the Brisbane and Perth pages instead.
Pricing
A fixed cost per verified lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you. Invalid leads are reviewed within five business days and replaced or credited when confirmed.