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

Shane arranges pre-approval before the auction so you can bid with confidence. In Bronte, 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.

Heritage listings and properties in heritage conservation areas require careful consideration. Some lenders are hesitant about significant renovation constraints, while others are comfortable. Shane knows which lenders suit which heritage scenarios and can match you to the right one based on the specific property you're buying.

Most lenders are comfortable lending up to 80% LVR on Bronte properties. For properties above $7.5M, some lenders cap LVR at 80%, meaning a 20% deposit is required. In some instances, the maximum LVR can be higher under an eligible LMI waiver special package. Shane will find the right fit for your purchase.

Yes, construction and renovation loans are available. If you're planning a significant renovation or extension, Shane can set up a construction facility alongside your purchase loan. Shane works with lenders experienced in owner-builder and contract builder scenarios across the Sydney Eastern Suburbs.

A 20% deposit on the median house price is well over $1.3 million once you add stamp duty, so not everyone gets there with savings alone. Some professions can borrow up to 95% without paying LMI, family guarantees can cover part of the deposit, and for upgraders the answer is often equity in an existing property. There's more detail on his home loans page.

Yes. Bridging finance lets you buy your next home before selling your current one, which is useful in Bronte where the right house rarely waits for your settlement timeline. Lenders typically allow six to twelve months to sell, with interest capitalised in the meantime. It needs careful structuring around your equity and end debt, and Shane manages that process for you.

It's a stretch. Even units mostly sell well above the government scheme caps. Where Shane does see first home buyers succeed is with family guarantees or parental help with the deposit, and occasionally with an older, smaller unit. His first home buyers page covers the options.

If you're comparing mortgage brokers in Bronte, ask them about the suburb. Shane works out of Coogee and knows this market well. Shane knows the streets, 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.