Bondi Junction is the Sydney Eastern Suburbs' premier urban hub. Walkable, well-connected, and in strong demand from owner-occupiers and investors alike. As a mortgage broker in Bondi Junction, Shane Howley brings 30+ lenders, auction pre-approval, and local Sydney Eastern Suburbs expertise to a purchase, a refinance or a portfolio build, all with a $0 brokerage fee.
Mortgage broker in Bondi Junction. Home loans for Bondi Junction, arranged by Shane Howley.
Mortgage broker in Bondi Junction
Mortgage services for Bondi Junction
Home Loans
Variable, fixed, and split loans across 30+ lenders. Bondi Junction's mix of terraces, apartments, and new developments means lenders assess each property differently. Shane finds the right fit for yours.
Learn moreAuction Pre-Approval
Bondi Junction auctions are competitive. Shane arranges pre-approval before you inspect so you can bid with confidence, knowing your finance is locked and ready when the hammer falls.
Learn moreInvestment Loans
Bondi Junction's transport connectivity and strong rental demand make it a compelling investment location. Shane structures lending to maximise your borrowing capacity whether you're adding to a portfolio or starting out.
Learn moreRefinancing
If you haven't reviewed your rate in the past two years, there's a good chance Shane can find you a better deal. Shane compares 30+ lenders and handles the entire switch on your behalf.
Learn more
Why use a mortgage broker in Bondi Junction?
Bondi Junction auctions draw serious buyers from across the Eastern Suburbs, so you walk in against people who have done their homework. A broker makes sure your finance is the strongest thing about your bid. Shane arranges loans across the Junction's apartments and investment stock, and knows which lenders suit each type.
Auction Strategy & Pre-Approval
Finance Craft is based in Coogee. Bondi Junction auctions draw serious buyers from across the Sydney Eastern Suburbs. Shane prioritises fast, unconditional pre-approval before you inspect, so when the right property comes up, you can bid with confidence, move quickly at private treaty, and never lose out because your finance wasn't ready.
15+ Years as a Mortgage Broker in the Eastern Suburbs
Shane has been a mortgage broker for over 15 years. Shane knows Bondi Junction's apartment lending nuances and lender appetite for the suburb's mix of heritage terraces and new-build stock, and puts that knowledge to work for every client.
30+ Lenders Compared
Shane searches across banks, non-bank lenders, and specialists to find the most competitive rate and structures for your situation. One application, maximum choice.
$0 Brokerage Fee
The service is completely free to you. Lenders pay Shane a commission when your loan settles, so you get expert mortgage guidance at no cost.
Shane is absolutely amazing. He makes the whole process so seamless and supports you every step of the way. He is honest and very approachable. Would definitely recommend.
You won't find a better Broker in Sydney!! Shane got us the best deal and went well beyond the call of duty to ensure our deal went through without a hitch. Thank you for all your help Shane, we couldn't have done this without you!
Shane has been absolutely amazing. His professionalism and availability at every step made this whole process so much easier. He answered all our 1,000 questions with such patience and expertise, which gave us the confidence to take this big step. We truly recommend him.
Shane's knowledge, expertise, efficiency, communication & customer service is top tier. He was super helpful in explaining things I didn't understand & in a timely manner. Kept us informed at all times as to where our application was at etc. Would definitely recommend. 10/10. Thanks Shane!
I had a great experience working with Shane. He was professional, knowledgeable, and always quick to respond to any questions or concerns I had throughout the process. His communication was excellent, and he made everything straightforward and stress-free. I really appreciated his reliability and dedication, and I wouldn't hesitate to recommend him to anyone looking for a trustworthy broker.
Finding the right mortgage broker can be daunting, but save yourself the time and go to Shane from Finance Craft. He is experienced, responsive, and patient with all questions. Shane acted promptly to remove any blockers and challenges, ensuring a smooth and stress-free process. He was always available for questions and calls, demonstrating his commitment and dedication, guiding us every step of the way and making the entire experience seamless. We will use his services for future property finance matters. Highly recommended, thanks Shane!
The Sydney Eastern Suburbs' most connected urban address
Bondi Junction is an apartment market first. Units outsell houses nearly three to one, and rental demand around the transport and retail hub keeps yields ahead of the beach suburbs. Houses are scarce and tightly held.
- $1.28MMedian Unit Price~183 sales a year
- $2.92MMedian House Price~68 sales a year
- 3.1%Avg Annual GrowthUnits, long-term average
- 38Days on MarketUnits, average
Source: CoreLogic data via Your Investment Property, 2026. Figures are indicative and subject to change.
Buying your first home in Bondi Junction with a 5% deposit
Bondi Junction's median apartment is $1,280,000. With a 5% deposit you'd normally pay $54,275 in Lenders Mortgage Insurance. Under the scheme you pay nothing.
| On a $1,280,000 purchase | 5% depositWithout the scheme | 5% depositWith the scheme |
|---|---|---|
| Deposit, 5% | $64,000 | $64,000 |
| Stamp duty | $51,787 | $51,787 |
| Lenders Mortgage Insurance | $54,275 | Nil |
| Loan amount | $1,216,000 | $1,216,000 |
| Total funds required | $170,062 | $115,787 |
$54,275less in funds required
A lender normally wants a 20% deposit before it will lend without insurance. You put in 5%. The government guarantees the other 15% of the property's value. The lender is covered to 20%, so there's nothing to insure.
Stamp duty is the same either way. NSW first home buyers pay no duty up to $800,000, and the discount runs out at $1M. At $1,280,000 you pay the full $51,787.
Legals, inspections and rates adjustments sit on top of both columns.
Shane will run your actual numbers before you commit to anything. Talk to Shane, $0 brokerage fee.
Bondi Junction mortgage FAQs
How does auction finance work in Bondi Junction?
Shane arranges pre-approval before the auction so you can bid with confidence. In Bondi Junction, where campaigns attract strong competition, having unconditional finance ready gives you a clear advantage. Once you win, settlement typically occurs within 42 days and Shane liaises with your conveyancer throughout.
Do lenders treat high-density apartments in Bondi Junction differently?
Yes. Some lenders apply restrictions on apartments in high-density postcodes or buildings with a large number of units. Shane knows which lenders are comfortable with Bondi Junction's apartment stock and which have postcode caps that might affect your borrowing. Matching you to the right lender upfront avoids surprises at valuation.
What LVR can I get on a Bondi Junction property?
Most lenders are comfortable lending up to 80% LVR on Bondi Junction houses and larger apartments. For smaller studio or one-bedroom apartments, some lenders cap LVR at 70–80%. In some instances, a higher LVR is available under an eligible LMI waiver. Shane will identify the right options for your specific property.
Is Bondi Junction a good suburb for investment?
Bondi Junction has consistently strong rental demand driven by its transport links, proximity to the city and Bondi Beach, and major retail amenity. Rental yields for units are generally higher than surrounding beach suburbs, making it attractive for investors seeking income return alongside capital growth potential. Shane can structure your investment loan to suit your broader portfolio strategy.
How much deposit do I need for a Bondi Junction apartment?
A 20% deposit on the median unit price is around $270,000, plus roughly $60,000 in stamp duty. If that's out of reach, some professions can borrow up to 95% without paying LMI, family guarantees can cover part of the deposit, and upgraders can often use equity in an existing property. There's more detail on his home loans page.
Should I fix my rate when buying in Bondi Junction?
It depends on your priorities. Fixed rates give certainty over repayments for one to five years; variable rates offer flexibility, offset accounts and unlimited extra repayments. Many of his Bondi Junction clients split their loan, fixing a portion and keeping the rest variable. Shane will model both options against your budget and plans before you commit.
Can first home buyers get into Bondi Junction?
Yes. Units are the entry point, and older one and two bedroom apartments regularly sell below the median. Depending on the price, you may qualify for government schemes or stamp duty concessions, and the caps change regularly, so checking what you're eligible for is the first thing Shane does. Start with his first home buyers page.
Why choose a local broker over a bank or online broker?
If you're comparing mortgage brokers in Bondi Junction, ask them about the suburb. Shane is based in Coogee and works across the Junction constantly. Shane knows the buildings, the agents, and which lenders are comfortable with the area's apartment stock. A bank can only offer you its own products. Shane compares more than 30 lenders and the service costs you nothing.
Do you charge a fee for the service?
The service is completely free to you. Lenders pay Shane a commission when your loan settles. There are no upfront costs, no hidden fees, and no obligation after an initial conversation.
Ready to buy, invest or refinance in Bondi Junction?
Book a free call with Shane and let's get your finance sorted.
Your local Sydney Eastern Suburbs broker
Shane specialises in helping clients across Coogee, Clovelly, Bronte, Bondi, and all surrounding Eastern Suburbs.