Compare 32+ lenders for Sydney properties. From Parramatta to Bondi, Penrith to Manly. Expert local knowledge, competitive rates, fast approval. Servicing all Sydney suburbs.
Australia's largest property market. High prices, strong capital growth, diverse suburbs.
$1.2M
Units: $750K | Inner West: $1.5M+ | North Shore: $2M+ | Western Sydney: $900K
10-year growth: 65%. Recent 12 months: +8.5%. Strong long-term capital growth makes Sydney Australia's best wealth-building market.
Parramatta, Bankstown, Liverpool (growth). Bondi, Manly, Mosman (premium). Penrith, Campbelltown (affordable entry).
32+ lenders active in Sydney. Big 4 banks, regional banks, non-bank lenders. Highly competitive - great rates available if you know where to look.
5.3 million people. Continued migration, infrastructure investment (Metro, WestConnex). Demand always strong for quality properties near transport/jobs.
Australia's business capital. CBD, North Sydney, Parramatta, Macquarie Park. Highest salaries nationally = strong borrowing capacity for Sydney buyers.
Sydney property prices require strong income. Here's what different incomes can realistically borrow.
Single professional earning $100K/year. Typical for teachers, nurses, mid-level corporate roles.
Suitable Areas: Penrith, Campbelltown, Liverpool, Blacktown, Mt Druitt. Units in Parramatta, Bankstown. Realistic options for Western Sydney first home buyers.
Two professionals: $100K + $80K. Common for dual-income couples in professional roles.
Suitable Areas: Inner West (Marrickville, Dulwich Hill, Ashfield), Northern Beaches units, Ryde, Epping, Hurstville. Good suburbs with transport links.
High earners: $150K + $100K. Senior professionals, executives, specialists.
Suitable Areas: North Shore (Chatswood, Willoughby), Eastern Suburbs (Coogee, Randwick), Northern Beaches houses, Premium Inner West (Newtown, Balmain). Quality family homes in established areas.
Where you can actually buy in Sydney at different price points.
Best For: First home buyers, singles, young couples
Suburbs: Penrith, St Marys, Mt Druitt, Campbelltown, Liverpool, Blacktown, Bankstown (units)
What You Get: 3-bed house (Western Sydney) or 2-bed unit (closer suburbs)
Growth Outlook: Strong. Infrastructure investment (Metro West, M12), first home buyer demand. 5-10% annual growth potential.
Best For: Growing families, dual income couples, upgraders
Suburbs: Parramatta, Epping, Ryde, Hurstville, Bankstown (houses), Marrickville, Dulwich Hill, Ashfield, Kogarah
What You Get: 3-4 bed house (established suburbs) or townhouse (closer to CBD)
Growth Outlook: Steady. Established suburbs, good schools, transport. Lower volatility, consistent 4-7% growth.
Best For: Established families, professionals, investors
Suburbs: Chatswood, Willoughby, Coogee, Randwick, Maroubra, Cronulla, Manly (units), Lane Cove, Drummoyne
What You Get: 3-4 bed house in quality suburb, or premium apartment/townhouse in blue-chip location
Growth Outlook: Blue-chip. Strong historical growth, high demand, limited supply. Always desirable.
Best For: High net worth, downsizers, luxury buyers
Suburbs: Mosman, Vaucluse, Double Bay, Bondi, Manly (houses), North Shore (Hunters Hill, Northbridge), Balmain, Woollahra
What You Get: Prestige family home, harbour views, character property, premium finishes
Growth Outlook: Premium market. Lower growth rates but wealth preservation, lifestyle benefits, status.
Compare 32+ lenders in 2 minutes. Get pre-approved before auction day. Technology-driven, expert advice, competitive rates.
Minimum 5% with First Home Guarantee (government scheme). Ideally 10-20%. For $1M property: 5% = $50K, 10% = $100K, 20% = $200K. With 20% deposit you avoid Lenders Mortgage Insurance (LMI), saving $10K-$30K+.
Yes, especially in Western Sydney. $80K income = $400K-$480K borrowing = $440K-$530K purchase price. Suburbs like Penrith, Campbelltown, Blacktown are realistic. Consider units in Parramatta, Liverpool for better location on single income.
Depends on budget. Under $700K: Penrith, Liverpool, Blacktown (growth potential, affordability). $700K-$1M: Parramatta, Bankstown, Hurstville (established, transport, jobs). $1M+: Inner West, Ryde, Epping (lifestyle, schools, capital growth). Focus on transport links and job proximity.
Pre-approval: 24-72 hours (fast lenders) to 5-10 days (major banks). Full approval: 7-14 days typical, up to 3-4 weeks if complex. Our technology platform fast-tracks: we get most pre-approvals within 2-3 days. Critical for Sydney's competitive auctions.
Houses: Better capital growth long-term, land value appreciates, more space. Apartments: Lower entry price, close to CBD/transport, lower maintenance. For investors: houses in growth suburbs. For owner-occupiers: lifestyle choice but consider resale - houses easier to sell, especially 3-4 beds in good school zones.
Sydney property is cyclical but long-term always grows. Best time: when you're financially ready (stable income, deposit saved, minimal debts). Don't try to time the market perfectly - 10 years from now, properties bought today will be worth significantly more. Focus on buying quality in good locations you can afford long-term.
Most major lenders won't lend on apartments under 50sqm (considered poor resale). Some non-bank lenders will. Under 40sqm very difficult. If buying small apartment: expect 20-30% deposit, higher rates, fewer lender options. Affects future resale too - smaller buyer pool.
Yes. Working in Sydney with high income is advantage - you can buy investment property anywhere in Australia. Popular: Brisbane (higher yields, growth potential), regional NSW (holiday homes), Adelaide (affordability). Lenders care about your income/stability, not where you buy. Just need 10-20% deposit for investment properties.