Home loans for Waverley buyers and investors
Waverley sits in the heart of Sydney's Eastern Suburbs — a residential suburb between the commercial hub of Bondi Junction and the coastline at Bronte and Clovelly. Its mix of Federation terraces, post-war homes, and modern apartments appeals to first home buyers, upsizers, and investors drawn by coastal lifestyle, transport access, and consistent long-term demand. Whether you're buying your first home, refinancing, or expanding your investment portfolio, we bring 30+ lenders, fast auction pre-approval, and deep local expertise — with a $0 broker fee.
Mortgage services for Waverley
Home Loans
Variable, fixed, and split loans across 30+ lenders. Waverley's mix of terraces, houses, and apartments suits a wide range of buyers and budgets — we find the right loan for your property type and financial position.
Learn more →First Home Buyers
Waverley offers more accessible entry points to the Eastern Suburbs than beachside suburbs like Bondi, making it popular with first home buyers who want coastal lifestyle without the premium price tag. We guide first-time buyers through every step, from borrowing capacity to settlement.
Learn more →Investment Loans
Waverley's proximity to Bondi, Bronte, and Bondi Junction drives strong and consistent rental demand. We structure investment lending to suit your portfolio goals — and can work alongside your financial planner or accountant to implement whatever structure they recommend.
Learn more →Refinancing
If you haven't reviewed your rate in the past two years, there's a strong chance we can find you a better deal. We compare 30+ lenders and manage the entire refinance process from application to settlement.
Learn more →Buying in Waverley? Get pre-approved before the campaign ends.
Talk to ShaneWhy Waverley buyers and investors choose Finance Craft
Eastern Suburbs Specialists
Waverley sits at the centre of Finance Craft's home market. Shane has deep familiarity with Waverley's mix of property types — from Federation terraces to modern apartments — and knows which lenders suit each.
15+ Years of Eastern Suburbs Expertise
Shane Howley has been arranging home loans across the Eastern Suburbs for over 15 years, with strong knowledge of Waverley's competitive auction market, rental dynamics, and the range of buyers this suburb attracts.
30+ Lenders Compared
We search across banks, non-bank lenders, and specialists to find the most competitive rate and structure for your situation. One application, maximum choice — and no cost to you.
LMI Waivers for Professionals
If you work in medicine, law, accounting, engineering, or a range of other eligible professions, you may qualify for an LMI waiver — allowing you to borrow above 80% LVR without paying Lenders Mortgage Insurance. We'll identify your eligibility across multiple lenders and find the best terms for your profession.
Coastal lifestyle, central location, strong long-term demand
Waverley occupies a central position in the Eastern Suburbs — close enough to Bondi Beach and Bronte to deliver genuine coastal lifestyle, while remaining well-connected to Bondi Junction and the CBD. Its housing stock spans Federation terraces and semi-detached homes through to post-war bungalows and contemporary apartment buildings, offering more variety of entry points than the beachfront suburbs immediately to the east. Proximity to multiple schools, parks, and the coastal walk between Bronte and Coogee, combined with strong and consistent rental demand, make Waverley a reliable performer in both the owner-occupier and investment markets.
Source: CoreLogic data via Your Investment Property, 2025. Figures are indicative and subject to change.
Whether you're buying, refinancing, or just exploring your options — we're here to help.
Book a Free CallWaverley mortgage FAQs
Waverley auctions can be competitive, particularly for well-positioned terraces and houses. We arrange pre-approval before auction day so you can bid without a finance condition — once you win, the contract is immediately binding. We liaise with your conveyancer from exchange through to settlement to keep everything on track.
The standard starting point is 80% LVR — a 20% deposit — which most lenders will approve without Lenders Mortgage Insurance (LMI). Most lenders will also go up to 90% or 95% LVR with LMI. For eligible professionals — doctors, dentists, lawyers, accountants, engineers, vets, pharmacists, nurses, and others — an LMI waiver may allow borrowing above 80% LVR without that cost. We'll confirm your eligibility and identify the best path forward.
Yes — ordering a strata inspection report is the buyer's responsibility, arranged by your solicitor or conveyancer before exchange. It covers the body corporate's finances, meeting minutes, outstanding levies, and any known defects. Lenders assess property type, floor size, and title — not strata records themselves. Where the lender panel can narrow is for properties under 50sqm, company title, serviced apartments, or student accommodation.
Waverley has delivered consistent long-term growth and benefits from strong rental demand driven by proximity to the coast, schools, and Bondi Junction. Its range of property types offers flexibility for different investment strategies. We structure investment lending to suit your portfolio goals — and can work alongside your financial planner or accountant to implement whatever structure they recommend.
Waverley has a genuine mix — Federation terraces and semis, post-war brick homes, 1970s-80s apartment blocks, and newer apartment developments. This variety means lending can differ by property type: most are straightforward, but apartments under 50sqm or with unusual titles may face a narrower lender panel. We check the property details before you apply.
Our service is completely free to you. Lenders pay us a commission when your loan settles. No upfront costs, no hidden fees, and no obligation after an initial conversation.
Other Eastern Suburbs we cover
Ready to buy, invest or refinance in Waverley?
Book a free call with Shane and let's get your finance sorted.