YOUR LOCAL BROKER

Your mortgage broker in Kensington.

Buying a unit near UNSW, investing or helping your child buy in Kensington? 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 Kensington

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 Kensington market, from a lending angle

Kensington sits between UNSW and Centennial Park, with the light rail along Anzac Parade and quiet streets of Federation houses and older unit blocks. Units make up most of the sales, with around 135 sold in the past year, while the houses here are larger and rarely come up.

A common situation here is parents buying a unit for a child at university. That can be done in the parents’ names, jointly or with the parents as guarantors, and each option has different effects on borrowing power, ownership and tax later. Investors also buy for student rental demand, and older unit blocks bring the usual questions about strata records and repairs.

Kensington snapshot

Median	Oct 2025	Oct 2026	Change
Houses	Too few sales
Units	~$1.05m	~$990k	−6%

Typical buyerParents, investors & students

StockOlder units, Federation houses

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 136 units (mostly 1 and 2 bedroom). Only 39 houses sold, and too few were priced in 2025 to compare reliably. 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.

Kensington questions, answered

Can we meet in person in Kensington?

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

Should we buy our child’s unit in our name or theirs?

It depends on your goals. Buying in your name treats it as an investment, buying in theirs with you as guarantor helps them start owning, and joint ownership sits in between. Each has different tax and stamp duty effects, so get accounting advice alongside the loan.

Can my child get a loan while studying?

It’s hard on a student income alone. A family guarantee or a joint loan is the usual path. I’ll show you how lenders assess each option.

Nearby

Kingsford, Randwick, Zetland, Rosebery, Centennial Park and the wider Inner South. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all Inner South suburbs.

Let's talk

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