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Mortgage Broker St George

Links Property Finance · Home loans across St George: Mortgage Broker in St George

St George holds apartment towers and family houses within a few kilometres of each other, at prices the schemes still reach.

Reviewed by Charles Touma Updated 18 October 2026

$0broker fee on most loans
5.0from 32 Google reviews
70+lenders on our panel
Charles Touma, mortgage broker at Links Property Finance

Charles Touma Sydney mortgage brokerYou deal directly with Charles.

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Are the schemes still in reach in St George? How do you use them fully?

Yes. Most apartments and many houses sit under the $1.5 million Sydney cap for the 5% Deposit Scheme, and homes under $800,000 can also be free of stamp duty for eligible first home buyers.

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Using both fully means checking eligibility for each separately and choosing a lender that accepts the building, since tower units near Hurstville station can reach lender limits.

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Recent Links clients

  • Two Links Property Finance clients standing inside the timber frame of their new home Building · Sydney
    Their new home, at frame stage. Walls next. The frame is up.
  • A family in front of the sold sign at the home they bought together Family buy · Inner West
    The whole family turned up. A parents’ guarantee, done properly.
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    Buying in St George Sydney? Yours could be next.

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What could switching save?

Calculate your savings

$550,000
6.40%
25
6.00%

Example rates only, not current advertised rates. Set both sliders to your own figures.

Interest at 6.40%Interest at 6.00%
You could save$40,706≈ $1,628 a year in repayments
Current repayments$3,679/month
New repayments$3,544/month

Over the remaining term, before switching costs and fees, we model those honestly before recommending a move. Estimates only, not credit advice.

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Charles Touma, mortgage broker at Links Property Finance

Real outcomes for real borrowers.

★★★★★
A huge thank you to Charlie for his exceptional support and expertise throughout the process of securing finance for my first home.
Julian Google review
★★★★★
As a first home buyer, I was pretty overwhelmed at the start, but Charles made everything much easier. He explained the process step by step and helped me understand my borrowing options. His professionalism and responsiveness were excellent.
Ric Google review
★★★★★
Had a great experience with Charles at Links Property Finance. He made the whole home loan process straightforward and easy to understand, kept me updated throughout and was always quick to answer any questions.
Louie Google review

St George in numbers

Across the 9 suburbs on this page, apartments are 47% of homes against 21.7% statewide, and 39% of households rent. That mix is why lender rules on strata, building size and postcode come up so often here.

41%

separate houses NSW 65.6% · highest Bardwell Park (86.3%)

11%

terraces and semis NSW 11.7%

47%

apartments NSW 21.7% · highest Kogarah (71.2%)

39%

rented homes NSW 32.6% · highest Kogarah (48.4%)

29%

homes with a mortgage NSW 32.5%

41,819

private dwellings counted 9 suburbs on this page

Weighted by dwellings across the 9 suburbs this page covers. Source: ABS Census 2021, Suburbs and Localities.

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Mortgage brokers in St George: what to look for

Four things to ask any broker before you let them lodge an application for a home in St George.

  • They should know the suburb, not just the postcode.Apartments in Hurstville and Kogarah, family houses in Bexley and Rockdale, and buyers using the first home schemes each suit different lenders in St George. Every suburb here has its own page.
  • They should compare lenders, not sell one.Links Property Finance is a broker with access to more than 70 lenders. The lender is chosen after your file is read, not before.
  • They should put the cost in writing.Most loans carry no broker fee. Links is paid a commission by the lender, disclosed to you in writing before an application goes in.
  • They should be there for the next step.Most clients come back for a rate review, a refinance or another purchase. You deal with Charles each time.
A terrace with an iron-lace balcony

St George mortgage broker: who we help

Where most St George Sydney conversations start.

  • Buying your first homeThe deposit you actually need, whether a government scheme applies, and the full cash cost once duty is counted. First home buyer loans.
  • A loan that needs a lookRate, fees, offset and the features you actually use, compared against what else a St George Sydney owner could get. Free loan health check.
  • Moving to the next oneOwners in St George Sydney moving on often have more equity than they expect. The question is how much a lender will let you use. Using your equity.
A row of red-brick terraces

St George suburbs, at a glance

TurrellaWolli CreekBardwell ParkBardwell ValleyBexley NorthKingsgroveRockdaleBexleyKogarahHurstville

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.

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A broker for the whole of St George

A Sydney house with a front verandah
  • Links Property Finance works across the St George area by phone, video and in person when it helps.The files here divide three ways: apartment purchases in the tower belt where the building's lending profile matters as much as yours, established family houses where loan size and structure dominate, and hospital precinct workers whose income shape deserves a lender that reads it properly.
  • It is also one of Sydney's strongest multigenerational buying markets, which means family deposits, joint applications and guarantees appear far more often than the city-wide average.

Where do the schemes still reach?

A family together in their backyard
  • This is the practical advantage of St George: the 5% Deposit Scheme's Sydney cap covers essentially the whole apartment market and a real share of the housing, and the $800,000 stamp duty exemption catches genuine family homes rather than only studios.
  • That combination is increasingly rare this close to the city.It is why first home buyers priced out of the inner south end up here, and why the deposit conversation is worth having properly rather than assuming the answer.

From Rockdale to Hurstville, and the Bexley streets between

In St George, the main line south from the city runs through Rockdale, Kogarah and Hurstville, and a separate line runs along the region’s northern edge. For investors, those precincts give a valuer plenty of recent leases and sales.

Many of the apartment towers stand close to the bigger stations, notably Hurstville and Rockdale, and that is where a lender looks hardest at the building: its size, how many units it already funds there, and what the strata report shows.

Who do you actually deal with in St George?

Houses stepping down to Sydney Harbour

How does it actually run?

One. A conversation. Thirty minutes, no documents needed. Your income, savings and whether the schemes still reach the property you want.

Two. The lender question. Scheme eligibility, tower limits and house valuations vary by lender, so the file goes to one that fits the property and your deposit.

What does the St George area market mean for a loan?

Mostly mainstream lending: established brick homes on solid blocks, units along the main roads and around the stations, and steady first home buyer activity, all property types lenders finance routinely.

The mix means the property type changes the answer before income is considered. Older unit blocks raise floor area and sinking fund questions; the houses raise condition, unapproved works and land size.

A cottage behind a picket fence

Who do we work with across the St George area?

First home buyers. St George first buyers often start in the tower precincts around Hurstville and Rockdale, where the scheme price caps still reach a good range of apartments. First home buyer guidance · Check the 5% scheme.

  • Upgraders. Families moving from a unit to a brick house in the Bexley streets or towards the Georges River often need the equity from the unit for the deposit. Bridging finance · Usable equity.
  • Investors. Towers near Hurstville and Rockdale stations have deep rental evidence, and lenders check how many units they already fund in each building. Investment lending.
  • Refinancers. Many St George owners bought their brick homes years ago and have loans priced for another era. A review often ends with a better rate from the existing lender. Free loan health check.
A corner cottage with a hedge

Common questions about buying in St George

Why is St George popular with first home buyers?

Because the schemes still reach the stock. The 5% cap covers the apartment market comfortably and the $800,000 duty exemption catches genuine family houses, which is increasingly rare this close to the city.

Do lenders treat a Hurstville tower unit differently from a Bexley house?

Usually, yes. An apartment in one of the Hurstville towers is strata security, so a lender looks at the building’s size, its existing exposure there, the internal floor area and the strata report.

What is different about buying in the tower belt?

The building joins the assessment. Lenders cap how many apartments they will fund in a single development, strata records vary enormously between buildings, and settlement valuations in large towers move together rather than individually.

I work at the hospital. Does that help?

It can, in two ways. Some lenders extend professional concessions to healthcare workers, and more importantly the right lender counts shift penalties and overtime at close to full value where others discount them heavily.

Are family deposits common here?

Very common: gifts between generations and multigenerational purchases are ordinary here. Lenders handle both routinely and want evidence: a signed non-repayable gift letter and a clean transfer trail, prepared before the application.

Talk to a broker about your St George home loan

One free call covers what you could borrow in St George, the lenders that suit the property you want and the order to do things in.

Prefer a callback?

Charles Touma, mortgage broker at Links Property FinanceCharles calls back within one business day. No documents needed yet.

A family in front of the sold sign at the home they bought together

St George areas we cover

Every suburb page sets out the housing, the lending questions that come with it and the calculators worth running first.

Other Sydney regions we help

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.