Mortgage broker in Bondi. Home loans for Bondi, arranged by Shane Howley.

Shane arranges pre-approval before the auction so you're ready to bid with confidence. Once you win, settlement typically occurs within 42 days. Shane liaises with your conveyancer throughout to keep things on track.

Yes, and it's your responsibility as the buyer, not the lender's. Before exchanging contracts, your solicitor or conveyancer will order a strata inspection report. This reveals the sinking fund balance, current and proposed levies, any building defects, maintenance history, ongoing disputes, and by-laws. These matters affect your decision to buy and should be reviewed carefully with your solicitor before you commit. What lenders assess is the property type, not the strata report. For standard residential apartments in Bondi, the full range of lenders are available and competitive. Lender appetite can narrow for very small apartments (under 50sqm internally), company title properties, serviced apartments, or student accommodation buildings. Shane will identify the right lender for the specific property type early so the finance side is clean.

For properties above $7.5M, some lenders cap LVR at 80%, meaning a 20% deposit is required. However, in some instances, the maximum LVR offered will be higher than 80% under an eligible LMI waiver special package. Shane will find the right fit for your purchase.

Bondi property values are strong and have grown consistently. If your loan is more than 2 years old and you haven't reviewed your rate, there's a good chance you're on a rate that's no longer competitive. Shane will assess your current loan and compare it across the market at no cost.

A 20% deposit on the median unit price is around $310,000, plus roughly $70,000 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.

Inconsistently, and it matters at Bondi prices. Some lenders count only 80% of bonus income averaged over two years, while others accept a single year in full. For executives and professionals whose bonuses form a large share of income, the right lender can shift borrowing capacity by hundreds of thousands. Shane knows which lenders assess variable income most favourably.

Yes, on the unit side. Older one and two bedroom apartments regularly sell below the median, and depending on the price you may qualify for government schemes or stamp duty concessions. The caps change regularly, so checking what you're eligible for is the first thing Shane does. Start with his first home buyers page.

If you're comparing mortgage brokers in Bondi, ask them about the suburb. Shane is based in Coogee and works across Bondi constantly. Shane knows the buildings, the agents, and what properties actually sell for. A bank can only offer you its own products. Shane compares more than 30 lenders and the service costs you nothing.

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.