North Sydney, Lower North Shore
Mortgage Broker in North Sydney
North Sydney is the Lower North Shore's business district and one of its biggest apartment markets. Many of our clients here work in finance, law, tech and consulting, which often means complex income: base salary plus bonuses, commissions or company shares.
Ex-ING Head of Mortgages · 40+ lenders · MFAA Approved Broker
Lenders treat that income very differently. Some count 100% of a regular bonus, others only part of it, and some ignore share-based pay altogether. Matching your income to the right lender can lift your borrowing capacity significantly.
Who we help in North Sydney
Professionals with bonus, commission or share income
First home buyers
apartments within the $1.5m 5% Deposit Scheme cap.
Investors
apartments with strong rental demand from local workers.
Off-the-plan buyers
new towers near the Metro.
Lending in North Sydney: what to know
Complex income.
Bring two years of bonus history and any share vesting schedules. We'll match you to lenders that count them.
High-density postcodes.
Some lenders apply tighter LVR limits in areas with many new apartments, so lender choice matters for off-the-plan and new units.
Small apartments.
Studios and compact one-bedders may fall below lenders' minimum size rules.
Off-the-plan settlement risk.
Valuations at settlement can come in below the contract price. We plan for that before you sign.
How we can help
North Sydney home loan FAQs
Talk to a North Sydney mortgage broker
Book a free 15-minute call, or leave your details and we'll call you back.
Book a free 15-min call