YOUR LOCAL BROKER

Your mortgage broker in Coogee.

Buying a beach apartment, upsizing to a house or refinancing in Coogee? Get access to a panel of lenders, plain-English advice and a broker you can actually sit down with, at no cost to you.

Why demir.loans in Coogee

One broker, start to finishYou deal with the same person from first chat to settlement. No call centres, no handoffs, no re-explaining your situation to a stranger.
access to a panel of lendersMajor banks and specialist lenders side by side, so the recommendation fits you rather than a sales target.
No cost to youThe lender pays a commission if your loan settles, and every dollar of it is disclosed before anything is submitted.
Plain English, alwaysOffset, LVR, LMI, split loans: I translate the jargon and show the trade-offs before you sign anything.
Fully licensedCredit representative of LMG Broker Services Pty Ltd, Australian Credit Licence 517192, bound by the Best Interests Duty.

The Coogee market, from a lending angle

Coogee is an apartment suburb first. Around 260 units sold here in the past year against fewer than 60 houses, and the stock ranges from art deco and 1960s walk-ups up the hill to newer blocks near the beach and Coogee Bay Road. The houses and semis that do come up are some of the most sought after in the east.

Lending here usually turns on the building. Older walk-ups can carry big strata repair bills, so lenders and buyers both want to see the strata report and the sinking fund. Small units and studios narrow the lender field, because some lenders set a minimum floor area. And with plenty of young professionals buying their first place at Coogee prices, deposit size and whether to pay lenders mortgage insurance come up constantly.

Coogee snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$4.1m	~$4.6m	+12%
Units	~$1.5m	~$1.65m	+10%

Typical buyerYoung professionals, upsizers & investors

StockApartments, walk-ups, some houses & semis

Indicative medians as at October 2025 and October 2026, rounded from public market data. Each covers all bedroom counts across the 12 months of sales to that date. In the year to October 2026 that was 58 houses (mostly 3 and 4 bedroom) and 262 units (mostly 2 bedroom). Changes are approximate. Not a valuation. For current numbers on a specific property or street, just ask.

How it works

1. Tell me about you. A quick chat about your goals, timeline and numbers. No document dump up front.
2. Find a solution. I compare options across a panel of lenders and bring you options that genuinely fit, trade-offs in plain English.
3. Submission. Happy with the plan? I package and submit your application to the chosen lender.
4. Approval. I manage the lender back-and-forth and chase your approval, keeping you posted.
5. Settlement. Paperwork sorted, keys in hand, and I'm still here for whatever you finance next.

Coogee questions, answered

Can we meet in person in Coogee?

Yes. I’m based in Ramsgate, so I can meet you in Coogee, come to your place, or we can do it by phone or video.

Some lenders won’t lend on my studio. Why?

Many lenders set a minimum size for units, often somewhere around 40 to 50 square metres, with different rules on whether balconies and car spaces count. A smaller unit isn’t a dead end, but it narrows the lender list and can mean a bigger deposit.

Should I worry about the strata report on an older walk-up?

Yes, read it before you buy. Big repair bills, special levies or a thin sinking fund can affect your costs and sometimes the lender’s view. I can help you spot what matters for the loan, and a strata inspection covers the rest.

Nearby

Clovelly, Randwick, South Coogee, Maroubra, Bronte and the wider Eastern Suburbs. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all Eastern Suburbs suburbs.

Let's talk

A quick chat, no pressure, no obligation. Book a time, email ugur@demir.loans or call 0495 000 228.