YOUR LOCAL BROKER

Your mortgage broker in Mortdale.

Buying your first unit, a family home or upgrading in Mortdale? Get access to a panel of lenders, plain-English advice and a broker based just down the road in Ramsgate, at no cost to you.

Why demir.loans in Mortdale

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 Mortdale market, from a lending angle

Mortdale is a station village between Penshurst and Oatley on the Illawarra line, with a busy shopping strip on Morts Road and quiet residential streets around it. It has a solid unit market near the station and family houses further out: around 110 units and 80 houses sold here in the past year.

Many units here sit within the NSW first home buyer stamp duty and deposit scheme limits, which makes Mortdale a popular first step. The houses suit families moving up from those units, which brings buying before selling and how much equity to carry across into the conversation. Some older homes on bigger blocks are also being rebuilt or extended.

Mortdale snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$1.6m	~$1.85m	+16%
Units	~$740k	~$830k	+12%

Typical buyerFirst-home buyers & families

StockStation units, family 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 82 houses (mostly 3 and 4 bedroom) and 109 units (mostly 2 bedroom). Part of the jump in the house median is because fewer 2-bedroom houses sold this year. 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.

Mortdale questions, answered

Can we meet in person in Mortdale?

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

How much deposit do I need for a unit in Mortdale?

It can be as little as 5% through a government scheme if you’re eligible and the price is under the cap, with no lenders mortgage insurance. Otherwise you’ll usually need more, and LMI applies under 20%. I’ll show you which path suits your savings.

Can I keep my unit when I buy a house?

Often, yes. Lenders count the rent but also the existing loan, so it affects how much you can borrow for the house. I’ll model both options, keeping or selling, so you can compare them side by side.

Nearby

Penshurst, Oatley, Peakhurst, Lugarno, Hurstville and the wider St George area. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all St George & Bayside suburbs.

Let's talk

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