Bondi mortgage broker
Bondi mortgage broker
A mortgage broker
who knows Bondi.
Home loans in Bondi for your first home, your next home, an investment or a refinance. We compare 35+ lenders and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
What we help with
Four reasons people call us in Bondi
Each one runs differently here, because most of the suburb rents, and the units they rent are the same ones first home buyers want.
First home loans in Bondi
Units are the way in, and Bondi is full of them, art deco walk ups off Bondi Road and bigger blocks towards the beach. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a lot of Bondi units sit under it, so renters here are often closer to buying than they think. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to shrink the deposit.
Buying your next home in Bondi
The step from a Bondi unit to a Bondi semi is a big one, and the semis trade rarely, so timing matters as much as money. Some people stretch into the side streets here. Others keep the unit, rent it out on Bondi's strong rents, and buy the bigger place in Waverley, Randwick or further south. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the timing does not line up.
Investment property loans in Bondi
Bondi is one of the deepest rental markets in Sydney, with most of the suburb renting, and unit yields are among the strongest in the east. Lenders count expected rent towards what you can afford, so that rent does real work in the assessment. Keep in mind lenders count a standard tenancy, not projected holiday letting. Keeping the new loan separate from the home loan matters for tax, so ask your accountant early.
Refinancing a Bondi home loan
Values here have moved a long way, so the equity in your place is probably not what it was when you last looked. That figure is what funds the renovation half of Bondi seems to be doing, a deposit on the next purchase, or the release of a parent's home still sitting as security. A refinance is also the moment the rate, the structure and the years left on the loan all get looked at again together.
Whichever one brought you here, the first conversation is the same. We look at where you are now, then show you what each lender on our panel would do with it.
Thinking about
your first home?
There are a few ways into a Bondi unit with less than a 20% deposit, and some work better here than others. We can walk you through them before you start inspecting.
About Bondi
What the 2026 market actually looks like
History of Bondi
The name comes from an Aboriginal word, Boondi, water breaking over rocks. The beach became public land in 1882, the tram arrived in 1914, and the art deco flat boom of the 1920s and 30s built most of the streetscape you see today.
Bondi property market
Two markets share the postcode. Semis and houses on the side streets trade rarely and fiercely, while art deco and newer blocks along Bondi Road trade constantly. Most of the suburb rents, so first home buyers and investors compete for the same units.
Bondi property prices
Houses sit around $5.3 million on a thin market, with only around 47 changing hands in a year. Units sit near $1.4 million and trade in far greater numbers. Unit yields run close to 4%, among the strongest in the east, and houses return closer to 2%.
Borrowing in Bondi
On a house you are past the loan size where lenders add their own checks and trim how much of the price they fund. On a unit the building decides it, from art deco walk ups to the big beachside blocks where some lenders cap their exposure. Send us the address before you offer.
Whether it is a house or a unit, we know which lenders are comfortable with each, here and across the Eastern Suburbs.
Ready for the
next home?
Selling first or buying first changes almost everything about the loan. We can map out every step of the journey.
Your broker
Meet Ali Hasani
Ali Hasani is the founder of Buyvest. He has worked in home loans for more than ten years, a lot of it at Commonwealth Bank. We meet clients face to face, or by phone, Zoom and Teams, at night and on weekends as well as work hours. We take your loan to 35+ lenders, compare the numbers, and show you the options. Ali is an MFAA accredited broker with a Diploma of Finance and Mortgage Broking Management and a Post Graduate in Accounting.
Looking at an
investment property?
Rent counts towards what you can borrow, and two lenders can land a long way apart on the same purchase.
Client stories
How we helped in Bondi
Three real situations, and none of them ended where the first answer pointed.
The deposit target that kept moving.
A young couple renting in the area had been saving for years and still felt behind, because every time they got closer to 20% the prices moved further away. They had 5% and assumed that meant more waiting. It turned out they were eligible for the Australian Government 5% Deposit Scheme, so they bought with the deposit they already had, no lenders mortgage insurance, and kept the rest of their savings for moving costs and a buffer. The wait they had planned for never happened.
A second unit in the same building.
An investor owned a unit in a large block and wanted to buy another one a few floors away when it came up. Their existing lender would not touch it, pointing to how much exposure they already had in that one building. Nothing was wrong with the borrower or the unit. We placed the new loan with a different lender that had no concentration issue there, and the purchase went ahead without disturbing the first loan at all. Same building, same buyer, different lender, different answer.
The valuation that moved the whole deal.
They wanted to pull equity out of their semi for a renovation, and their own lender's valuation came back well under what they expected, which shrank everything. Rather than accept the number, we ran the same property through another lender whose valuation reflected what places on that street were actually selling for. The higher figure released enough for the renovation with a buffer left over, and without lenders mortgage insurance. Same house, same week, very different outcome.
These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.
Free guides
What to know before you buy
Three free guides covering how a Bondi purchase actually runs, from pre-approval to settlement.
Home loan pre-approval
What it covers, and how long it lasts.
Read the guide
Choosing a home loan
Fixed, variable, offset and redraw.
Read the guide
Settlement day
What has to be ready before then.
Read the guide
Read the free guides in the Loan Vault to know how the home buying process works in NSW.
What we do
Home loans in Bondi for every plan
First home
Learn more
Next home
Learn more
Investment property
Learn more
Refinancing
Learn more
Construction loans
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Bridging loans
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Guarantor loans
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No LMI and waived LMI
Learn more
Self employed home loans
Learn more
Not sure where to start? See what a Sydney mortgage broker does.
When did you last
check your rate?
We compare your current home loan against 35+ lenders. If a refinance saves you money we will show you the numbers, and if it does not we will tell you that too.
Your job matters
Home loans by profession
Some lenders drop lenders mortgage insurance for certain jobs, and at Bondi prices that is a large sum. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.
Home loans for
Doctors
Learn more
Home loans for
Dentists
Learn more
Home loans for
Accountants
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Home loans for
Lawyers
Learn more
Not sure if your job is on a list? See No LMI and waived LMI home loans, or ask us and we will check every lender on our panel.
Plan ahead
Run the numbers
Free tools that show you where you stand right now.
How it works
Three steps to your loan
1
Financial health check
2
Get pre-approved
3
Settle, then stay in touch
Client reviews
5.0 ★★★★★ on Google
Reviews from clients across Sydney.
★★★★★
"Ali is an excellent broker who truly knows his numbers. He made the entire process of securing two investment loans incredibly smooth and stress-free. What really sets him apart is the valuable advice he provides not just about loans, but also about making safe and smart investments."
★★★★★
"Ali was very professional and was able to help with our complicated loans to refinance. He kept us up to date throughout the process and made sure my wife and I understood everything before signing and that we had no issues after settlement."
★★★★★
"Ali is our trusted advisor for many years. He responds swiftly and honestly. He is the best in working out options for loans. He goes above and beyond to get the best outcome for the customers."
FAQ
Bondi questions, answered
Buying your first home, buying your next home, buying an investment property, or refinancing the loan you already have. The questions that come up for each one.
How do I get a home loan in Bondi?
Start with pre-approval, not with inspections. We go through your income, debts and deposit, work out what different lenders will count, and lock in your number before you fall for a place. From there the Bondi part takes over. Semis and houses carry loan sizes that trigger lender limits, and units live or die on the building, from art deco walk ups to the large blocks near the beach. We compare 35+ lenders and the whole thing costs you $0.
Why use a mortgage broker in Bondi?
Because most of what sells here is apartments, and lenders disagree about apartments more than about anything else. One lender caps its exposure in a big block, another has minimum floor sizes, a third has no issue with either. On the houses, the loan sizes bring their own rules. A bank gives you one answer to all of it. A broker checks several before you commit. Brokers also carry a legal duty called the Best Interests Duty, which means we have to put you first.
How much deposit do I need for a first home in Bondi?
A 20% deposit avoids lenders mortgage insurance, and on a Bondi unit that is a big number but a real one. There are ways in with less. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW and a lot of Bondi units sit under it. A family guarantor loan shrinks the deposit a different way. Some professions skip the insurance entirely. Which doors are open depends on your income, your job and the building, so it is worth checking before you rule yourself out.
Can I use the Australian Government 5% Deposit Scheme in Bondi?
Often, yes. The scheme lets eligible first home buyers purchase with a 5% deposit and no lenders mortgage insurance, and it covers units as well as houses. It comes with a property price cap in NSW, and a healthy share of Bondi units sit under that line, especially one and two bedders away from the beachfront. The cap is checked against the contract price, not the advertising guide. We can check your eligibility and the specific property in one conversation.
I have rented in Bondi for years. Does that help me get a loan?
It can. A clean rental history at Bondi rents shows a lender you can carry a serious monthly commitment, and some lenders treat rent paid as evidence of genuine savings capacity. What matters most is still income, debts and deposit, but long term renters here often test better than they expect, because the rent they have been paying is close to the repayment they are worried about. We run the numbers properly rather than letting the assumption decide.
Can I upgrade from a Bondi unit to a Bondi semi or house?
Sometimes, and the constraint is often supply rather than borrowing. Only around 47 houses trade here in a year, so the right one does not simply appear when your finance does. Equity in the unit plus income gets some buyers there. Others keep the unit as an investment, let Bondi rents help carry it, and buy the bigger place in Waverley, Randwick or Maroubra. Worth knowing your real number early, so you can move quickly when the right street does come up.
Can I buy the next home before the Bondi one sells?
Yes, with bridging finance. It is short term borrowing secured over both properties that funds the purchase while the old place is still listed, with interest that usually builds up rather than being paid monthly, and it ends when the sale settles. In a suburb where houses trade this rarely, buying first is common, because you cannot time a thin market. Selling first means certainty on your number. We price both orders so you can choose with the numbers in front of you.
Does a Bondi investment property stack up on the rent?
Better than most of the east. Unit yields here run close to 4%, the rental market is deep because most of the suburb rents, and vacancy is rarely the problem. Lenders count expected rent towards what you can afford, so that rent does real work in the assessment. Houses are a different story, returning closer to 2%, which leaves your income carrying the loan. Which lender assesses the file can move the borrowing answer a long way on the same purchase.
Do lenders count holiday letting income?
Mostly no, and it catches Bondi buyers out. When lenders assess an investment purchase they count rent from a standard tenancy, usually confirmed by a rental appraisal, not projected short stay income from holiday letting. A few lenders look at established short stay history, with a haircut. So a purchase that works on holiday letting projections has to work on ordinary rent first as far as the bank is concerned. Plan the loan on the tenancy number and treat anything above it as upside.
When is it worth refinancing a Bondi home loan?
A few triggers come up again and again. Values have moved a long way, so the equity in your place may fund the renovation you have been putting off or the deposit on the next purchase. A fixed period ending is another. So is an interest only period on an investment loan rolling to principal and interest. And sometimes it is simply the rate. We compare what you have against 35+ lenders and show you both answers, including the one where staying put wins.
How much equity can I use?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. In Bondi the valuation is where the action is, because renovated and original semis on the same street can sit far apart, and different lenders' valuers read that differently. The figure funds renovations, next purchases and investment deposits, so it is worth establishing properly rather than guessing off a portal estimate.
Fixed, variable or split, and do I need an offset?
There is no single right answer, only a right fit. Fixed gives you certainty on the repayment for a set term, at the cost of flexibility and possible break fees if you exit early. Variable moves with the market and lets you pay extra freely. A split takes some of each. An offset sits beside the loan as a savings account whose balance reduces your interest, handy if cash flows through your account in lumps, which is common for the self employed. We map the options against how your money actually moves.
Do lenders treat Bondi apartments differently?
Some do. The big blocks near the beach can hit a lender's exposure cap, where they already hold too many loans in one building and will not add another. Art deco walk ups raise questions about the building's condition and title. Studios and small one bedders can fall under minimum floor size rules. And a handful of older Eastern Suburbs buildings are company title, which many lenders restrict. The same unit can be approved by one lender and declined by another.
Can I get a Bondi home loan if I am self employed?
Yes, and Bondi has plenty of freelancers, contractors and business owners doing exactly that. Most lenders want two years of tax returns, some accept one, and a few work from business bank statements. What moves the number is the add backs, because depreciation, one off costs and extra super contributions can often be counted back as income. Lenders read the same financials differently, so which one sees your file changes what you can borrow.
What happens if the valuation comes in under the price?
You usually find out after you are committed, because a lender will not order a valuation on a purchase until there is an exchanged contract, and at auction there is no cooling off. If it lands short, a different lender uses a different valuation panel and can return a different number on the same property, and recent comparable sales can be put in front of them. Failing that, the gap is covered in cash at settlement. So the buffer has to exist before you sign, not after.
I live in Bondi but I am buying somewhere else. Can you still help?
Yes, and it is half the work we do here. Renting in Bondi while buying in Maroubra, Randwick or interstate is one of the most common briefs we get, and owners here regularly buy investment properties on the other side of Sydney. Where the property sits changes the lender conversation, not ours. We work by phone, Zoom and Teams, or we come to you, evenings and weekends included, wherever the purchase ends up.
Your Bondi mortgage broker
Your home loan.
Made simple.
Free check. No pressure. 35+ lenders compared at $0 cost to you.
Bondi does not sit on its own. Bondi Road runs from the beach up to Bondi Junction and its trains, with North Bondi and Bondi Beach on the sand side and Bellevue Hill rising behind. Waverley sits just south, and the coast runs on through Bronte to Coogee and Maroubra, where plenty of Bondi renters end up buying. Paddington and Randwick sit inland, and the harbour side runs out through Rose Bay and Vaucluse to Watsons Bay. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.