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

Shane arranges pre-approval before the auction so you can bid with full confidence. Coogee auctions are competitive and move quickly. Once you win, settlement typically occurs within 42 days and Shane liaises with your conveyancer throughout to keep things on track.

Coogee has everything from older art deco blocks near the beach to new developments. Lender policies differ more for units than houses. Some restrict very small units or high-density buildings, so the right lender depends on the property. That's part of what Shane sorts out before you apply.

Most buyers aim for 80% LVR to avoid Lenders Mortgage Insurance. All lenders will lend above 80% with LMI, and in some cases an LMI waiver special package may apply. For very high value properties above $7.5M, some lenders cap at 80%. Shane will identify the right structure for your situation and budget.

Coogee consistently performs well for investors. Strong rental demand from young professionals and families, proximity to the CBD, and a diverse range of price points make it one of the Sydney Eastern Suburbs' most accessible investment markets. Shane structures investment loans to maximise your borrowing capacity and portfolio flexibility.

A 20% deposit on the median house price is close to $1 million once you add stamp duty. 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. Shane will work out which option suits you. There's more detail on his home loans page.

Quite possibly. Several lenders waive LMI for doctors, dentists and medical specialists up to 95% of the property value, and for nurses, physiotherapists, vets and other allied health professionals, as well as lawyers and accountants, up to 90%. On a Coogee purchase that can be a saving of $100,000 or more. Shane arranges these regularly, so it's worth checking your eligibility before assuming you need a bigger deposit. See his LMI waivers guide for more.

Yes, though realistically you're looking at units rather than houses. Depending on the price, you may also 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 Coogee, ask them about the suburb. Shane lives and works here. Shane knows the buildings, the agents, and what properties are actually selling 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.