YOUR LOCAL BROKER

Your mortgage broker in Kingsford.

Buying a house, an investment near UNSW or building a duplex in Kingsford? Get access to a panel of lenders, plain-English advice and a broker based just around the bay in Ramsgate, at no cost to you.

Why demir.loans in Kingsford

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 Kingsford market, from a lending angle

Kingsford sits at the southern end of the light rail, just below UNSW, with a busy strip of restaurants along Anzac Parade. Away from the main road it’s largely houses, from original bungalows to new duplexes, and around 95 houses sold here in the past year against about 80 units.

Two things shape lending here. Many older houses are being replaced with duplexes or larger homes, so construction finance and dual occupancy builds come up often. And with the university so close, investors buy houses and units to rent to students, where rental income, lender rules on rooming arrangements and the right loan structure all matter.

Kingsford snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$2.8m	~$2.9m	+4%
Units	~$970k	~$990k	+2%

Typical buyerInvestors, families & builders

StockHouses, duplexes, units

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 95 houses (mostly 3 and 4 bedroom) and 83 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.

Kingsford questions, answered

Can we meet in person in Kingsford?

Yes. I’m based in Ramsgate, a short drive away, so a coffee on Anzac Parade, your place, or phone and video all work.

Can I build a duplex and keep one side?

Yes, lenders can fund it with a construction loan, based on the plans, the building contract and the expected value of both homes. How you split the loan matters if you plan to sell or rent one side, so set it up with your accountant from the start.

Will lenders count rent from students?

Usually, if it’s a standard lease. Rent by the room in a shared house can be treated differently, and some lenders count less of it or treat the property as a boarding house. I’ll check how each lender views your setup before you buy.

Nearby

Kensington, Randwick, Daceyville, Eastlakes, Maroubra 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.