Maroubra is one of the Sydney Eastern Suburbs' most exciting and accessible markets, from first home buyers and young families to seasoned investors. Few suburbs around here still offer that range. Shane Howley serves the whole suburb as a mortgage broker in Maroubra, with access to 30+ lenders, expert pre-approval, and a $0 brokerage fee.
Mortgage broker in Maroubra. Home loans for Maroubra, arranged by Shane Howley.
Mortgage broker in Maroubra
Mortgage services for Maroubra
Home Loans
Maroubra offers the Sydney Eastern Suburbs' best range of price points, from entry-level units to family homes. Shane compares 30+ lenders to find the most competitive rate and loan structure for your situation.
Learn moreFirst Home Buyers
Maroubra remains one of the few Sydney Eastern Suburbs where first home buyers can genuinely enter the market. Shane guides you through the Australian Government 5% Deposit Scheme, stamp duty concessions, and the right loan from first call to settlement.
Learn moreInvestment Loans
Maroubra's strong rental demand, gentrification momentum, and comparatively affordable entry point make it a compelling investment market. Shane structures lending to suit your yield and capital growth strategy.
Learn moreRefinancing
Maroubra values have risen sharply. If your loan is more than two years old, there's a strong chance a better rate is available. Shane will benchmark your existing loan against the full market at no cost.
Learn more
Why use a mortgage broker in Maroubra?
Maroubra is one of the last Eastern Suburbs where a first home buyer can genuinely get in. The right government scheme can cut your deposit to 5% with no LMI, and Shane checks every one you qualify for before you start looking. He's based in Coogee.
Sydney Eastern Suburbs Locals
Finance Craft is based in Coogee. Shane knows the street-by-street value differences, which pockets are gentrifying fastest, and which lenders are most comfortable with each property type in the area.
First Home Buyer Specialists
Maroubra is one of the Sydney Eastern Suburbs' most accessible entry points for first home buyers. Shane has deep experience navigating the Australian Government 5% Deposit Scheme, stamp duty concessions, and low-deposit lending options that make entry possible.
30+ Lenders Compared
Shane searches across major banks, credit unions, non-bank lenders, and specialist lenders 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 and full application support at no cost, whether you're buying your first home or your fifth investment property.
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 accessible beachside market
Maroubra is the volume market of the Eastern Suburbs: over 500 sales a year, split almost evenly between houses and units. It's where first home buyers, upgraders and investors actually transact, and unit yields are the healthiest on this stretch of coast.
- $1.12MMedian Unit Price~259 sales a year
- $2.95MMedian House Price~249 sales a year
- 4.1%Gross Rental YieldUnits, $880/week median rent
- 5.0%Avg Annual GrowthUnits, long-term average
Source: CoreLogic data via Your Investment Property, 2026. Figures are indicative and subject to change.
Buying your first home in Maroubra with a 5% deposit
Maroubra's median apartment is $1,123,000. With a 5% deposit you'd normally pay $47,618 in Lenders Mortgage Insurance. Under the scheme you pay nothing.
| On a $1,123,000 purchase | 5% depositWithout the scheme | 5% depositWith the scheme |
|---|---|---|
| Deposit, 5% | $56,150 | $56,150 |
| Stamp duty | $44,722 | $44,722 |
| Lenders Mortgage Insurance | $47,618 | Nil |
| Loan amount | $1,066,850 | $1,066,850 |
| Total funds required | $148,490 | $100,872 |
$47,618less 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 $1,123,000 you pay the full $44,722.
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.
Maroubra mortgage FAQs
Can first home buyers genuinely purchase in Maroubra?
Maroubra remains one of the most accessible beachside suburbs in the Sydney Eastern Suburbs for first home buyers. Units in particular can be purchased in a price range that makes low-deposit lending realistic. Depending on the purchase price, the Australian Government 5% Deposit Scheme and NSW stamp duty concessions may both be available. Shane walks you through every applicable scheme and identifies the right lender for your situation.
What loan options exist for buying with a small deposit?
Lenders will lend up to 95% LVR with Lenders Mortgage Insurance (LMI). The Australian Government 5% Deposit Scheme allows eligible buyers to purchase with a 5% deposit and no LMI at all.
Is Maroubra a strong investment location?
Maroubra has delivered some of the strongest price growth in the Sydney Eastern Suburbs over recent years, driven by ongoing gentrification, improved amenities, strong rental demand from UNSW students and young professionals, and a beach lifestyle at a comparatively affordable price. Gross rental yields are also typically higher than in more expensive neighbouring suburbs. Shane structures investment loans with interest-only periods, offset accounts, and portfolio flexibility as needed.
How do lenders view Maroubra apartments?
Maroubra apartments are well-accepted by major lenders. Shane understands the local market and will match you to the right lender for the type of property you're buying.
How much deposit do I need for a Maroubra unit?
A 20% deposit on the median unit price is around $225,000, plus roughly $46,000 in stamp duty. Many buyers need much less: lenders will go to 95% with LMI, government schemes can cut the deposit to 5% with no LMI, and some professions avoid LMI entirely. There's more detail on his home loans page.
Is it worth refinancing my Maroubra home loan?
If you've held your loan for more than two years without reviewing it, quite possibly. Lenders reserve their sharpest rates for new customers, so long-standing borrowers often pay a loyalty premium. Even a 0.25% saving is meaningful on a typical Maroubra mortgage, and refinancing can also unlock equity or better features. Shane will run the numbers with his $0 brokerage fee.
How does auction finance work in Maroubra?
Maroubra sells by both auction and private treaty, and with over 500 sales a year there's always something coming up. Shane arranges pre-approval before you start inspecting so you can bid or make offers with confidence, and liaises with your conveyancer through to settlement.
Why choose a local Maroubra broker over a bank or online broker?
If you're comparing mortgage brokers in Maroubra, ask them about the suburb. Shane is based in Coogee and arranges loans across Maroubra constantly. Shane knows the streets, the agents, and which lenders suit the area's mix of houses and apartments. 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 or invest in Maroubra?
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.