Rose Bay is one of Sydney's most gracious harbourside suburbs, a wide foreshore promenade, moored sailing boats, the famous Rose Bay seaplane base, and a residential mix of grand waterfront homes and high-quality apartments that attract buyers from across Sydney's Eastern Suburbs. Whether you're buying your first home, purchasing a luxury apartment, or adding to your investment portfolio, Shane Howley is a mortgage broker in Rose Bay specialising in larger and more complex loans and LMI waivers for professionals, with 30+ lenders, fast pre-approval, and a $0 brokerage fee.
Mortgage broker in Rose Bay. Home loans for Rose Bay, arranged by Shane Howley.
Mortgage broker in Rose Bay
Mortgage services for Rose Bay
Home Loans
Variable, fixed, and split loans across 30+ lenders. Rose Bay's mix of high-value waterfront homes and quality apartments requires lenders who are comfortable across a range of price points, from established apartments to grand harbour-front residences.
Learn moreAuction Pre-Approval
Rose Bay auctions attract confident, well-prepared buyers across a wide range of price points. Shane arranges unconditional pre-approval before you inspect so you can bid without a finance condition and act quickly on the day.
Learn moreInvestment Loans
Rose Bay's harbour setting, consistent rental demand from high-income tenants, and proximity to the CBD make it a compelling investment address. Shane structures lending to optimise your cash flow and long-term portfolio goals, and can work alongside your financial planner or accountant to implement whatever structure they recommend.
Learn moreRefinancing
If you haven't reviewed your rate in the past two years, there's a strong chance Shane can find you a better deal. Shane compares 30+ lenders and manages the entire refinance process from application to settlement.
Learn more
Why use a mortgage broker in Rose Bay?
Rose Bay runs from apartments to grand waterfront homes, and each end of that range suits different lenders. Shane matches the property and your income to the lender that wants both. Plenty of Rose Bay professionals also qualify for LMI waivers and don't know it.
Auction Strategy & Pre-Approval
Finance Craft is based in Coogee. Rose Bay attracts competitive bidding across a range of property types, from apartments to grand waterfront homes. Shane prioritises fast, unconditional pre-approval before you inspect, so when the right property comes up, you can bid with confidence, move quickly at private treaty, and never lose out because your finance wasn't ready.
15+ Years as a Mortgage Broker in the Eastern Suburbs
Shane has been a mortgage broker for over 15 years and has extensive experience with high net worth clients in the Sydney Eastern Suburbs, including Rose Bay's diverse range of property types and prices points, from established apartments to harbour-front prestige homes. Shane understands the nuances of each lender's appetite for this market. Large loans are what Shane specialises in, and knows which lenders price and service them well.
30+ Lenders Compared
Shane searches across banks, non-bank lenders, and specialists to find the most competitive rate and structures for your situation. One application, maximum choice, and no cost to you.
LMI Waivers for Professionals
Rose Bay's demographic includes a large proportion of high-income professionals who may qualify for an LMI waiver, allowing borrowing above 80% LVR without Lenders Mortgage Insurance. Eligible professions include medicine, law, accounting, engineering, and others. Shane will confirm your eligibility and find the best lender for your situation.
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!
Gracious harbourside living on Sydney's eastern foreshore
Rose Bay offers one of the Sydney Eastern Suburbs' most complete lifestyle packages, a sweeping waterfront reserve and promenade, consistent supply of quality apartments and prestige homes, excellent schools, and convenient access to the CBD via New South Head Road. The suburb attracts a broad range of buyers, from downsizers and young professionals to established families seeking the enduring appeal of harbour-access living in one of Sydney's most gracious addresses.
- $1.94MMedian Unit Price~150 sales a year
- $5.88MMedian House Price~58 sales a year
- 6.0%Avg Annual GrowthUnits, long-term average
- 36Days on MarketUnits, average
Source: CoreLogic data via Your Investment Property, 2026. Figures are indicative and subject to change.
Rose Bay mortgage FAQs
Which lenders are most competitive in Rose Bay?
Rose Bay's price range spans a wide spectrum, from established apartments in the $1–2M range to grand waterfront homes well above $5M. For apartments and mid-range properties, the major banks are generally competitive and comfortable. For prestige transactions above $3–5M, lender appetite varies, and specialist prestige lenders often offer better terms than the retail banks. Shane matches your application to the right lender based on your specific purchase price, property type, and financial position.
What deposit do I need to buy in Rose Bay?
The standard starting point is 80% LVR, meaning a 20% deposit, which most lenders will approve without Lenders Mortgage Insurance (LMI). Most lenders will also go up to 90% or 95% LVR with LMI, though the LMI premium adds a meaningful cost at Rose Bay's price points. For eligible professionals, doctors, dentists, lawyers, accountants, engineers, vets, pharmacists, nurses, and others, an LMI waiver may allow borrowing above 80% LVR without that cost. Shane will confirm your eligibility and identify the most efficient path for your deposit level and situation.
Is Rose Bay a good suburb for apartment investment?
Rose Bay offers a compelling apartment investment profile, quality stock, strong rental demand from high-income professionals and executives, and a harbour-adjacent location that is difficult to replicate. Rental vacancy rates are consistently low, and the suburb's lifestyle appeal ensures ongoing tenant demand. Unit price growth has been positive in recent periods. For investors seeking harbour-side exposure at a more accessible entry point than Vaucluse or Double Bay, Rose Bay is worth serious consideration.
How does auction finance work in Rose Bay?
Shane arranges pre-approval before auction so you can bid without a finance condition. In Rose Bay, where competition at auction is real across both apartments and houses, being financially prepared gives you a significant advantage. Once you win at auction, the contract is immediately unconditional, so finance must already be in place. Shane works with your conveyancer to ensure a smooth path to settlement.
Do professionals get LMI waived when buying in Rose Bay?
Often, yes. Doctors, dentists and medical specialists can borrow up to 95% of the property value with no LMI at several lenders, and nurses, allied health professionals, lawyers and accountants can qualify up to 90% at select lenders, subject to income and registration requirements. At Rose Bay prices that's frequently a six-figure saving, so it's worth checking your eligibility before assuming you need a 20% deposit. See his LMI waivers guide for more.
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, invest or refinance in Rose Bay?
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.