Kingsford is one of the few Eastern Suburbs markets where houses and apartments trade in equal numbers, so the loan that suits the property next door may not suit yours. Whether you're buying, refinancing or investing, Shane Howley is the mortgage broker in Kingsford who will match the loan to the property, with access to 30+ lenders, auction pre-approval, and a $0 brokerage fee.
Mortgage broker in Kingsford. Home loans for Kingsford, arranged by Shane Howley.
Mortgage broker in Kingsford
Mortgage services for Kingsford
Home Loans
Variable, fixed, and split loans across 30+ lenders, for anything from an older semi to a new apartment.
Learn moreAuction Pre-Approval
Kingsford houses sell in around 30 days, quicker than most of the Eastern Suburbs. Shane arranges pre-approval before you start inspecting so you can bid with your finance already set.
Learn moreInvestment Loans
Students and hospital workers keep Kingsford's vacancy low, and the light rail along Anzac Parade makes it an easy commute. Shane structures lending to protect your capacity for the next purchase.
Learn moreRefinancing
Plenty of Kingsford owners are still on rates from before the recent hikes. Comparing your rate against the market quickly shows whether switching is worth it.
Learn more
Why use a mortgage broker in Kingsford?
Kingsford houses sell in about 30 days, quicker than most of the Eastern Suburbs. The side streets off Anzac Parade hold some of the east's best-value family homes, and they don't wait for slow finance. Shane knows the buildings, the agents and what homes here actually sell for.
A Local Eastern Suburbs Broker
Finance Craft is based in Coogee. Shane knows Kingsford street by street: the buildings, the agents, and what homes here actually sell for. It's knowledge you can't get from a call centre.
Diverse Property Knowledge
The side streets off Anzac Parade hold some of the Eastern Suburbs' best-value family homes, while most of the apartments line the Parade itself. Shane knows both markets and the lenders that suit them.
30+ Lenders Compared
His panel spans the majors, the non-banks and the specialists, so your application gets compared, not just quoted.
$0 Brokerage Fee
There's no fee for the service at any point. Shane is paid by the lender at settlement, not by you.
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!
Houses and units pull equal weight in Kingsford
Kingsford turns over houses and units in almost equal numbers, which is rare this close to the coast. Families buy the older homes in the side streets, the light rail and UNSW keep unit demand deep along Anzac Parade, and house prices run well under Randwick and Coogee next door.
- $2.95MMedian House Price~99 sales a year
- $1.00MMedian Unit Price~102 sales a year
- 5.8%Avg Annual GrowthHouses, long-term average
- 28Days on MarketHouses, average
Source: Cotality (CoreLogic) data via Your Investment Property, 2026. Figures are indicative and subject to change.
Buying your first home in Kingsford with a 5% deposit
Kingsford's median apartment is $1,000,000. With a 5% deposit you'd normally pay $38,596 in Lenders Mortgage Insurance. Under the scheme you pay nothing.
| On a $1,000,000 purchase | 5% depositWithout the scheme | 5% depositWith the scheme |
|---|---|---|
| Deposit, 5% | $50,000 | $50,000 |
| Stamp duty | $39,187 | $39,187 |
| Lenders Mortgage Insurance | $38,596 | Nil |
| Loan amount | $950,000 | $950,000 |
| Total funds required | $127,783 | $89,187 |
$38,596less 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 $1,000,000 you pay the full $39,187.
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.
Kingsford mortgage FAQs
How does auction finance work in Kingsford?
Pre-approval comes first, so you can bid without a finance condition hanging over you. When you win, Shane manages the loan through to settlement, usually 42 days, alongside your conveyancer.
What's the lending landscape for Kingsford apartments?
Kingsford's apartments run the length of Anzac Parade, from older blocks to recent developments near the southern end of the light rail. Some lenders cap their exposure in individual buildings or restrict small and student-focused units, so where you buy affects who will lend. Shane checks the building before you commit.
What LVR is typical for a Kingsford purchase?
An 80% loan against the property is the standard aim, since anything above it normally attracts Lenders Mortgage Insurance. Lenders will stretch to 90-95% with LMI, and some professions qualify for a waiver. Shane will map out what works for your deposit.
Is Kingsford a good market for investors?
Kingsford rents fast. UNSW is walking distance, the light rail runs straight to the CBD, and the Anzac Parade food strip keeps the suburb busy year-round. Unit yields sit above 4%. Shane structures investment loans to protect your borrowing capacity for the next purchase. See investment loans for more.
How much deposit do I need for a typical Kingsford house?
A 20% deposit on the median Kingsford house is around $600,000, and roughly $750,000 with stamp duty. If savings won't get you there, there are other routes: professional LMI waivers up to 95%, family guarantees, or equity if you already own. There's more detail on his home loans page.
Can I use the First Home Guarantee to buy in Kingsford?
Yes. Most Kingsford units fall under the scheme's $1.5 million Sydney price cap, so eligible first home buyers can purchase with a 5% deposit and no LMI. Units under $1 million may also attract a stamp duty concession, and the median sits right on that line. Shane will confirm your eligibility and structure the application. See his First Home Guarantee guide for more.
Can first home buyers still get into Kingsford?
Yes. Kingsford is one of the few Eastern Suburbs where a first home buyer can realistically target a house as well as a unit, and plenty of the unit stock sits under the government scheme caps. Checking what you're eligible for is the first thing Shane does. Start with his first home buyers page.
Why choose a local Kingsford broker over a bank or online broker?
Ask any broker you're comparing what's actually selling in Kingsford. Shane deals with the suburb's agents and buildings week in, week out. A bank can only offer its own products. Shane compares more than 30 lenders and the service costs you nothing.
Do you charge a fee for the service?
There's no charge to you at any stage. Shane is paid a commission by the lender when your loan settles, so you get full application support without a fee, and no obligation after a first conversation.
Ready to buy or invest in Kingsford?
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.