One bridge from the city, the Lower North Shore mixes company title blocks, premium houses and new apartments.
For a company title unit, a lender that accepts company title at all, since many do not, and often at a lower loan-to-value ratio. For a big loan, a lender whose debt-to-income limits and valuation process suit the size.
Professionals may also qualify for a mortgage insurance waiver at 90 per cent.
Your Lower North Shore sold sign could be next.
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Two sliders. See what your parents would need to guarantee.
How a parent’s equity can stand in for the deposit, often with no LMI.
With a family guarantee covering that portion, you could potentially buy with your $30,000 and no LMI. Costs assume NSW first home buyer duty.
Limited to this portion, secured against the guarantor’s property, released once you reach 20% equity, subject to lender approval. Indicative only, not credit advice.
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A huge thank you to Charlie for his exceptional support and expertise throughout the process of securing finance for my first home.
Charles went above and beyond to help us secure our home loan. He worked hard to find the best option for us and kept us updated throughout the whole process. His knowledge of the lending market was impressive and he made everything straightforward.
Had a really good experience with Charles at Links Property Finance. He was easy to deal with, always quick to respond and kept everything simple and clear throughout the whole process. You can tell he genuinely cares about getting the best outcome for his clients rather than just getting things done quickly. Really happy with the experience and would happily recommend Charles and Links Property Finance to anyone.
Across the 6 suburbs on this page, apartments are 66% of homes against 21.7% statewide, and 45% of households rent. That mix is why lender rules on strata, building size and postcode come up so often here.
separate houses NSW 65.6% · highest Mosman (34.9%)
terraces and semis NSW 11.7%
apartments NSW 21.7% · highest North Sydney (84.4%)
rented homes NSW 32.6% · highest North Sydney (60.7%)
homes with a mortgage NSW 32.5%
private dwellings counted 6 suburbs on this page
Weighted by dwellings across the 6 suburbs this page covers. Source: ABS Census 2021, Suburbs and Localities.
Four things to ask any broker before you let them lodge an application for a home in the Lower North Shore.
What people in Lower North Shore usually come to us about.
Neutral BayNorth SydneyMosmanArtarmonLane CoveChatswood
Distances and councils from each suburb's published profile; housing mix from ABS Census 2021 dwelling structure. Each suburb links to its own page with the local lending detail.
Charles Touma, Mortgage Broker.
The Lower North Shore is threaded by rail, ferry and bus routes. On a loan file, that shows up as tenant demand for units near North Sydney and Victoria Cross, and as regular apartment sales that give valuers comparable trades inside the same buildings.
The train line runs through North Sydney station, the line stops at Victoria Cross in the North Sydney centre, ferries run from wharves such as Mosman Bay to Circular Quay, and buses carry Neutral Bay and Mosman along Military Road.
Loans this size stop being commodity products. Policy and structure decide what the same income can do.
Above certain thresholds, lenders apply extra scrutiny to debt-to-income ratios and tighten loan-to-value tiers, differently at each institution. The large loans guide covers how we place these files.
The Lower North Shore's workforce is exactly who LMI waiver policies target, medical specialists, and at some lenders legal and accounting professionals. Worth checking before assuming a 20 per cent deposit. Who qualifies.
One. A conversation. Thirty minutes, no documents needed. Your income, savings and whether the property is company title, strata or a house.
Two. The lender question. Company title and larger loans each narrow the lender list, so the application goes to one whose policy fits the property and the loan.
Check the property type first: dense apartments around the stations, freestanding homes in the streets behind, and a meaningful amount of company title in older blocks, which fewer lenders accept.
It is apartment ownership through shares in the company that owns the building, the system that predates strata, and no, it shouldn't scare you, it should inform your lender choice. Priced sensibly, these flats are some of the area's best value.
Usually not. Links is paid by the lender as a commission at settlement, disclosed in writing before you sign anything, so there is $0 to pay on most home loans, and a broker must put your interests first under Australian law.
Yes, because the questions are different. A Mosman house is usually a large-loan file, where loan-to-value tiers step down, debt-to-income ratios get a closer look and bonus or business income is read differently at each lender. The lender is chosen around whichever applies.
With sharper pencils. Higher scrutiny of debt-to-income ratios, tiered loan-to-value limits, sometimes different pricing, and each lender draws these lines in different places. On the same income and deposit, two lenders can differ by hundreds of thousands in what they will extend.
Eligible professions at participating lenders, yes, commonly medical practitioners at up to around 90 to 95 per cent, with some lenders extending versions to legal, accounting and other professions.
Thirty minutes with Charles: what you could borrow, which lenders suit Lower North Shore property and what to do next. Free, with no credit check.
Prefer a callback?Charles calls back within one business day. No documents needed yet.
Open a suburb for its housing mix, the lending issues buyers there tend to meet and the tools that help before you inspect.
General information only, not credit or financial advice. Lender policies and government scheme criteria differ and change over time. All lending is subject to individual assessment and approval.
