Sydney Home Loans

Home Loans in Sydney

Compare 32+ lenders for Sydney property. Local market expertise, best rates for NSW. Servicing all Sydney suburbs from Parramatta to Bondi.

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Sydney Property Market Snapshot

Median House Price

$1.42M

Median Unit Price

$785K

Avg. Loan Size

$685K

Typical Deposit

$142K

Data as of October 2025. Source: CoreLogic, Domain, APM

Popular Sydney Suburbs We Service

Eastern Suburbs

  • Bondi, Bondi Junction
  • Randwick, Coogee
  • Maroubra, Clovelly
  • Waverley, Woollahra
  • Double Bay, Rose Bay

Avg house: $2.8M | Avg unit: $1.1M

Inner West

  • Newtown, Marrickville
  • Leichhardt, Annandale
  • Ashfield, Burwood
  • Strathfield, Homebush
  • Haberfield, Five Dock

Avg house: $2.1M | Avg unit: $850K

North Shore

  • Chatswood, Willoughby
  • Mosman, Neutral Bay
  • Lindfield, Roseville
  • Hornsby, Wahroonga
  • St Ives, Pymble

Avg house: $2.5M | Avg unit: $950K

Western Sydney

  • Parramatta, Westmead
  • Penrith, Blacktown
  • Liverpool, Bankstown
  • Campbelltown, Camden
  • Ryde, Epping

Avg house: $1.1M | Avg unit: $620K

Northern Beaches

  • Manly, Dee Why
  • Mona Vale, Newport
  • Freshwater, Curl Curl
  • Avalon, Palm Beach
  • Narrabeen, Collaroy

Avg house: $2.4M | Avg unit: $1M

Southern Suburbs

  • Sutherland Shire
  • Cronulla, Miranda
  • Hurstville, Kogarah
  • Rockdale, Brighton
  • Arncliffe, Wolli Creek

Avg house: $1.5M | Avg unit: $720K

Why Sydney Buyers Choose Us

Local Market Expertise

We understand Sydney's unique property market - from high-rise units in CBD to family homes in Hills District. Know which lenders prefer which suburbs.

Stamp Duty Expertise (NSW)

Navigate NSW stamp duty rules, concessions, and first home buyer exemptions. Save $10K-$50K+ with proper structuring.

High-Value Loan Specialists

With Sydney's high property prices, many buyers need $1M+ loans. We specialize in large loans and have lenders who love Sydney property.

Best Lenders for Sydney Property

These lenders offer competitive rates for Sydney buyers and have strong appetite for NSW property:

Commonwealth Bank

Australia's largest lender. Strong in Sydney market.

5.89%

Variable (Owner-occ)

UBank

Low rates, offset account. Popular with Sydney first home buyers.

5.79%

Variable (Owner-occ)

Athena Home Loans

Digital lender. Fast approval for Sydney professionals.

5.84%

Variable (Owner-occ)

Westpac

Established lender. Good for investment properties in Sydney.

6.09%

Variable (Owner-occ)

Rates as of October 2025. Actual rate depends on your situation.

Sydney First Home Buyer Guide

NSW First Home Buyer Grants & Schemes

  • Stamp Duty Exemption: No stamp duty on properties up to $800K (full), partial up to $1M
  • First Home Owner Grant (FHOG): $10,000 for new homes/land
  • First Home Guarantee: Buy with just 5% deposit, no LMI (15,000 places nationally)
  • Shared Equity Scheme (NSW): Govt contributes up to 40% (new homes), 30% (existing)

Example: First Home Buyer in Western Sydney

Property: $750,000 (Penrith house)

Deposit (5% with FHG): $37,500

Normally need $150K (20%)

Stamp Duty: $0

Saved $26,990 (NSW exemption)

LMI: $0

Saved ~$18,000 (First Home Guarantee)

Total Savings: $44,990

Plus only need $37.5K deposit instead of $150K!

Ready to Buy in Sydney?

Compare 32+ lenders and get the best rate for your Sydney property. Local expertise, fast approval.

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