YOUR LOCAL BROKER

Your mortgage broker in Double Bay.

Downsizing into an apartment, buying in the village or refinancing in Double Bay? Get access to a panel of lenders, plain-English advice and a broker who comes to you, at no cost to you.

Why demir.loans in Double Bay

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 Double Bay market, from a lending angle

Double Bay is the harbourside village of the east, with its boutique shopping strip, cafes and the ferry wharf on the bay itself. Most sales are apartments, from older two-bedroom blocks to large new luxury buildings near the water, and the few houses that sell are firmly in prestige territory.

Many buyers here are downsizers selling a family home in Bellevue Hill, Vaucluse or Woollahra and moving into an apartment. That raises questions other suburbs rarely do: whether to borrow at all, how lenders view older borrowers on shorter terms, and how to bridge the gap between buying the apartment and selling the house. At the top end, bigger loans also come with tighter limits on how much you can borrow against the property.

Double Bay snapshot

Median	Oct 2025	Oct 2026	Change
Houses	Too few sales
Units (2-bed)	~$1.65m	~$1.75m	+6%

Typical buyerDownsizers, upsizers & investors

StockApartments, prestige houses

Indicative medians as at October 2025 and October 2026, rounded from public market data. Each covers the 12 months of sales to that date. In the year to October 2026 that was 104 units (mostly 2 and 3 bedroom). Unit sales range from compact apartments to harbour penthouses, so the unit figures above are for 2-bedroom units only, the most common type. Only 21 houses sold, too few for a reliable median. 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.

Double Bay questions, answered

Can we meet in person in Double Bay?

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

Can I get a loan in my 60s or 70s?

Often, yes. Age alone isn’t a reason to refuse a loan, but lenders will ask how it gets repaid, usually through super, investments or downsizing later. A clear exit plan makes a big difference, and I’ll find lenders comfortable with your situation.

I’m buying an apartment before selling my house. How do I bridge the gap?

Bridging finance can cover both properties for a set period until the house sells, with the interest often added to the loan rather than paid monthly. It’s worth modelling the worst case, such as the sale taking longer, before you commit.

Nearby

Edgecliff, Point Piper, Bellevue Hill, Woollahra, Darling Point 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.