Waverley sits in the heart of Sydney's Eastern Suburbs, a residential suburb between the commercial hub of Bondi Junction and the coastline at Bronte and Clovelly. Its mix of Federation terraces, post-war homes, and modern apartments appeals to first home buyers, upsizers, and investors drawn by coastal lifestyle, transport access, and consistent long-term demand. Whether you're buying your first home, refinancing, or expanding your investment portfolio, Shane Howley is a mortgage broker in Waverley with 15 years arranging finance across Sydney's Eastern Suburbs, 30+ lenders, fast auction pre-approval, and a $0 brokerage fee.
Mortgage broker in Waverley. Home loans for Waverley, arranged by Shane Howley.
Mortgage broker in Waverley
Mortgage services for Waverley
Home Loans
Variable, fixed, and split loans across 30+ lenders. Waverley's mix of terraces, houses, and apartments suits a wide range of buyers and budgets, Shane finds the right loan for your property type and financial position.
Learn moreFirst Home Buyers
Waverley offers more accessible entry points to the Sydney Eastern Suburbs than beachside suburbs like Bondi, making it popular with first home buyers who want coastal lifestyle without the premium price tag. Shane guides first-time buyers through every step, from borrowing capacity to settlement.
Learn moreInvestment Loans
Waverley's proximity to Bondi, Bronte, and Bondi Junction drives strong and consistent rental demand. Shane structures investment lending to suit your 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 Waverley?
Waverley sits in the middle of Finance Craft's home patch, between Bondi and Bronte but without their price tags. That draws first home buyers and upgraders competing for the same streets. Shane has over 15 years as a broker and knows these suburbs well, arranging finance for both.
Sydney Eastern Suburbs Specialists
Waverley sits at the centre of Finance Craft's home market. Shane has deep familiarity with Waverley's mix of property types, from Federation terraces to modern apartments, and knows which lenders suit each.
15+ Years as a Mortgage Broker in the Eastern Suburbs
Shane has been a mortgage broker for over 15 years, with strong knowledge of Waverley's competitive auction market, rental dynamics, and the range of buyers this suburb attracts.
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
If you work in medicine, law, accounting, engineering, or a range of other eligible professions, you may qualify for an LMI waiver, allowing you to borrow above 80% LVR without paying Lenders Mortgage Insurance. Shane will identify your eligibility across multiple lenders and find the best terms for your profession. See his LMI waivers guide for the full eligibility list.
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!
Coastal lifestyle, central location, strong long-term demand
Waverley occupies a central position in the Sydney Eastern Suburbs, close enough to Bondi Beach and Bronte to deliver genuine coastal lifestyle, while remaining well-connected to Bondi Junction and the CBD. Its housing stock spans Federation terraces and semi-detached homes through to post-war bungalows and contemporary apartment buildings, offering more variety of entry points than the beachfront suburbs immediately to the east. Proximity to multiple schools, parks, and the coastal walk between Bronte and Coogee, combined with strong and consistent rental demand, make Waverley a reliable performer in both the owner-occupier and investment markets.
- $3.82MMedian House Price~32 sales a year
- $1.24MMedian Unit Price~34 sales a year
- 5.0%Avg Annual GrowthHouses, long-term average
- 35Days on MarketHouses, average
Source: CoreLogic data via Your Investment Property, 2026. Figures are indicative and subject to change.
Buying your first home in Waverley with a 5% deposit
Waverley's median apartment is $1,237,500. With a 5% deposit you'd normally pay $52,473 in Lenders Mortgage Insurance. Under the scheme you pay nothing.
| On a $1,237,500 purchase | 5% depositWithout the scheme | 5% depositWith the scheme |
|---|---|---|
| Deposit, 5% | $61,875 | $61,875 |
| Stamp duty | $49,874 | $49,874 |
| Lenders Mortgage Insurance | $52,473 | Nil |
| Loan amount | $1,175,625 | $1,175,625 |
| Total funds required | $164,222 | $111,749 |
$52,473less 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 $1,237,500 you pay the full $49,874.
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.
Waverley mortgage FAQs
How does auction finance work in Waverley?
Waverley auctions can be competitive, particularly for well-positioned terraces and houses. Shane arranges pre-approval before auction day so you can bid without a finance condition. Once you win, the contract is immediately binding. Shane liaises with your conveyancer from exchange through to settlement to keep everything on track.
What deposit do I need to buy in Waverley?
The standard starting point is 80% LVR, 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. 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 best path forward.
Do I need a strata report before buying an apartment in Waverley?
Yes, ordering a strata inspection report is the buyer's responsibility, arranged by your solicitor or conveyancer before exchange. It covers the body corporate's finances, meeting minutes, outstanding levies, and any known defects. Lenders assess property type, floor size, and title, not strata records themselves. Where the lender panel can narrow is for properties under 50sqm, company title, serviced apartments, or student accommodation.
Is Waverley a good suburb for property investment?
Waverley has delivered consistent long-term growth and benefits from strong rental demand driven by proximity to the coast, schools, and Bondi Junction. Its range of property types offers flexibility for different investment strategies. Shane structures investment lending to suit your portfolio goals, and can work alongside your financial planner or accountant to implement whatever structure they recommend.
What types of properties are in Waverley?
Waverley has a genuine mix. Federation terraces and semis, post-war brick homes, 1970s-80s apartment blocks, and newer apartment developments. This variety means lending can differ by property type: most are straightforward, but apartments under 50sqm or with unusual titles may face a narrower lender panel. Shane checks the property details before you apply.
Do you charge a fee for the service?
The service is completely free to you. Lenders pay Shane a commission when your loan settles. No upfront costs, no hidden fees, and no obligation after an initial conversation.
Can you arrange finance to renovate a Waverley semi?
Yes. Waverley's Federation semis and terraces mostly need kitchens, bathrooms and rear openings, and the finance depends on whether walls are moving. Cosmetic work is a straight increase to your existing loan. Opening up the back of the house is structural, which means council approval and a staged drawdown.
Ready to buy, invest or refinance in Waverley?
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.