Home loans for Double Bay buyers and investors

We arrange pre-approval before the auction so you can bid with confidence. In Double Bay, where campaigns attract serious and well-prepared buyers, having unconditional finance ready gives you a decisive advantage. Once you win, settlement typically occurs within 42 days and we liaise with your conveyancer throughout.

Double Bay has a wide mix of property values. Many apartments are priced under $3M, where the major lenders are generally comfortable and competitive. For grand homes and harbour-front properties in the $5M–$10M+ range, lender appetite varies more significantly — some cap their maximum loan size well below what a prestige purchase requires, while others specialise at the upper end and price accordingly. We work across the full spectrum and match you to the right lender based on your specific purchase price, deposit, and financial position.

It depends on the property. Double Bay has a mix of apartments and homes at a range of price points. For properties under $5M, standard lending applies — 80% LVR without LMI, or up to 95% with LMI. For higher-value properties (typically above $5M), lenders apply their own maximum loan size and LVR policies — 80% is generally the ceiling, and some lenders will cap lower depending on the purchase price. LMI is generally not available on prestige transactions.

However, if you work in an eligible profession, you may qualify for an LMI waiver — allowing you to borrow above 80% LVR without paying Lenders Mortgage Insurance. Multiple lenders including CBA, ANZ, NAB, and Westpac offer this for professions such as doctors, dentists, specialists, lawyers, barristers, accountants, engineers, veterinarians, pharmacists, and nurses, among others. Depending on the lender and profession, LVR limits of up to 90–95% may apply. Double Bay's demographic skews heavily towards exactly these professions, so it's worth exploring whether you qualify. We'll work through the options with you.

Double Bay has one of the tightest supply profiles in Sydney. Very little new stock is added, demand from high-income renters is consistent, and the harbour setting creates enduring lifestyle appeal that underpins long-term values. For investors with the capacity to hold prestige property, it has historically been a strong performer. We can structure your lending to suit your investment goals — and can work alongside your financial planner or accountant to implement whatever structure they recommend.

Our service is completely free to you. Lenders pay us a commission when your loan settles. There are no upfront costs, no hidden fees, and no obligation after an initial conversation.