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Mortgage Broker Macquarie Park

Links Property Finance · Home loans in Macquarie Park and across Sydney: Mortgage Broker in Macquarie Park

Macquarie Park is a business district with a residential population: towers built for people who work or study nearby.

Reviewed by Charles Touma Updated 18 October 2026

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Charles Touma, mortgage broker at Links Property Finance

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Buying a Macquarie Park apartment: which lenders accept the size and the building?

Some lenders set a minimum internal area that rules out small units, and some cap how many loans they hold in one tower, which matters in a suburb this investor-heavy.

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Rental evidence near the university and business park is strong, so for investors the building and size usually decide the lender, not the rent.

A terrace with an iron-lace balcony
In Macquarie Park, houses make up 0.0% of homes, terraces and semis 9.6% and apartments 89.5% (ABS Census 2021).

Macquarie Park by its homes

With 89.5% of dwellings in apartment buildings, strata is a big part of buying in Macquarie Park. Ask for the strata report early on any unit here: special levies and disputes change the loan conversation more than the rate does. 65.8% of homes here are rented, against 32.6% across NSW. In buildings with a high share of tenants, some lenders look at the owner-occupier ratio before they approve.

  • Postcode2113
  • CouncilCity of Ryde
  • From the Sydney CBD15 km north west
89.5%

apartments NSW 21.7%

0.0%

separate houses NSW 65.6%

9.6%

terraces and semis NSW 11.7%

65.8%

rented NSW 32.6%

20.8%

with a mortgage NSW 32.5%

6,142

private dwellings

Source: ABS Census 2021, Suburbs and Localities (SAL12446).

Terrace houses along a tree-lined street

Buying in Macquarie Park with a 5% deposit

What could a 5% deposit get you?

$800,000
$40,000 A 20% deposit would be $160,000

No LMI: an estimated $22,800 premium avoided (a broad guide; real premiums vary by lender and loan).

Stamp duty: $0 for eligible NSW first home buyers (saves $30,187).

Indicative only. The deposit excludes stamp duty, legal and inspection costs, and a participating lender, not this calculator, confirms 5% Deposit Scheme eligibility.

Confirm your numbers.

Charles Touma, mortgage broker at Links Property Finance
5.0 from 32 Google reviews

Real outcomes for real borrowers.

★★★★★
Charles and the team recently assisted us with a refinance of our investment property. Recommend Charles and the team to all
Tony Google review
★★★★★
Charles Touma from Links Property Finance was a great help with buying my first home. I had plenty of questions and he took the time to explain things clearly without making me feel rushed. He kept me updated throughout and made the process much less stressful. Really appreciated his patience and would happily recommend him to other first home buyers.
Catherine Google review
★★★★★
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.
Christian Google review

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Thirty minutes with Charles: which lenders will fund the apartment you are looking at, and what the investment arithmetic looks like. Free, no credit check.

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A Sydney apartment building of the kind first home buyers often consider

Charles Touma, mortgage broker at Links Property FinanceCharles Touma, Mortgage Broker.

Helping buyers and investors in Macquarie Park

A Sydney house with a front verandah
  • Links Property Finance works across the Ryde district by phone, video and in person when it helps.Macquarie Park files are apartment files almost without exception, split between owner-occupiers working nearby and investors following the tenant demand that a university and business park generate.
  • The stock skews smaller than the surrounding suburbs, which brings floor-size policy into play more often than anywhere else in the district.

Small apartments and who will fund them

A family together in their backyard
  • A meaningful share of the stock here sits at or under the 50 square metre line where lender policy changes.Some lenders decline outright, some cap the loan-to-value ratio, and some assess the building and location on merit rather than a tape measure. The unit is fine; the floor plan decides the lender list.
  • Combined with concentration caps in large developments, this is a market where the lender choice is made before the offer rather than after.The small apartment guide covers the size question in detail.

Macquarie Park around its stations

Two stations sit in the heart of Macquarie Park: Macquarie Park station at Waterloo and Lane Cove Roads, and Macquarie University station at Herring and Waterloo Roads, with North Ryde station one stop further towards Chatswood and the city.

Much of the apartment stock sits within walking distance of one of them, so demand is real but concentrated in similar stock.

  • For a lender, that concentration around the stations shows up three ways: rental appraisals backed by nearby leases, valuations that lean on sales of near-identical units in the same building, and exposure limits in large developments where many units already carry loans.
  • Most of the suburb’s homes are apartments, many of them small.
  • Links weighs lenders such as ANZ, Westpac, Macquarie, ING and Resimac against each other, so the size and building questions a Macquarie Park unit raises are answered before the offer rather than at valuation.
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For a lender, that concentration around the stations shows up three ways: rental appraisals backed by nearby leases, valuations that lean on sales of near-identical units in the same building, and exposure limits in large developments where many units already carry loans.

Most of the suburb’s homes are apartments, many of them small. Studios and one-bedroom units near the business park bring internal floor area into the assessment, and a unit without a car space narrows the list further.

The strata report and defect history carry weight, because so much of the suburb’s housing sits in large, recent buildings.

Links weighs lenders such as ANZ, Westpac, Macquarie, ING and Resimac against each other, so the size and building questions a Macquarie Park unit raises are answered before the offer rather than at valuation.

Example scenario (illustrative, not a real client): a university staff member wants a one-bedroom apartment a few minutes from Macquarie University station, and the strata plan shows the internal area is smaller than the advertised figure once the balcony is excluded.

The building is also large and investor-heavy. Comparing lender policies on minimum unit size, loan-to-value limits and building exposure identifies the lenders that could consider it at the deposit available, and whether a larger deposit would widen the choice.

A white apartment block in the sun

The investor arithmetic

What decides whether a Macquarie Park purchase works as an investment.

Tenant demand is structural

University, hospital and corporate employment underwrite it. That is context for the rent assumption, not a guarantee of it.

Lenders discount the rent

Rental income is assessed conservatively, and investment lending prices and deposits differently from owner-occupier loans. The structure.

Floor size narrows the list

Under 50 square metres changes who will lend and at what ratio. Confirmed before the offer, not after.

Concentration caps apply to investors too

Sometimes harder than to owner-occupiers. Alternatives ranked in advance.

Buying here as an owner-occupier

Smaller stock and lower entry prices, with the policy questions that come with them.

  • The 5% Deposit SchemeThe $1.5 million cap covers the market comfortably, though the property must also satisfy the lender. Check eligibility.
  • Stamp duty reliefExemption to $800,000 catches a large share of the one-bedroom and studio stock. Your figure.
  • Under 50 square metresA lender-selection question rather than a dead end. Some lend normally, some cap the ratio, some decline.
  • Car parkingA space keeps every lender available. Without one the list narrows, navigably but knowingly.

Common questions about buying in Macquarie Park

Will a lender finance a studio or small apartment here?

Many will, on their terms: under 50 square metres some lenders decline, some reduce the maximum loan-to-value ratio and some assess the building on merit. In this market that one policy decides more approvals than anything else about the borrower.

Is rent counted in full on an investment unit near Macquarie university station?

Generally not, however strong the demand from the campus. Rent is discounted for vacancy and costs, and the discount differs between lenders. Demand from Macquarie University and the business park supports the rental appraisal, and there are usually plenty of nearby leases to compare.

The assessment stays conservative, though, and for a small unit in one of the suburb’s large buildings the size and exposure questions can narrow the lender list before rent is even considered.

Is Macquarie Park a sound investment location?

It can be: jobs and the university underwrite genuine tenant demand. Against it, there is a lot of similar stock, so assume conservative rents, as lenders will, and judge it on today’s numbers rather than the story.

Do concentration caps affect investors differently?

Sometimes more, because lenders manage investor exposure separately in large developments. The practical effect is the same: line up alternatives before lodging rather than treating one bank's answer as final.

Should I buy here to live or elsewhere to invest?

It depends on your circumstances, not the suburb: owner-occupiers get walkable jobs and lower entry prices, and investors get tenant depth. Rentvesting, renting where you want to live and buying where the numbers work, is a third option worth pricing.

Does a car space matter that much?

For financing, yes, it widens the lender list. For resale and rental it also matters more than buyers expect, even in a well-connected location. It is worth factoring into the comparison rather than treating as optional.

From the blog

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Buying processBuying a House With Friends or Family: How Co-Ownership Works 6 min readDeposits and schemesHow Much Deposit Do You Really Need to Buy Your First Home in Sydney? 7 min readDeposits and schemesThe 5% Deposit Scheme in 2026: A Sydney First Home Buyer’s Guide 7 min read
Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · All areas

General information only, not credit or financial advice. Property types and lender policies differ and change over time; your position is confirmed in a full assessment. Links Property Finance works across Sydney and Australia-wide.

Official sources for the figures on this page: Housing Australia, 5% Deposit Scheme · Revenue NSW, First Home Buyers Assistance Scheme. Scheme rules change; the official pages are the final word. Checked against these sources on 12 October 2026.