YOUR LOCAL BROKER

Your mortgage broker in Newtown.

Buying a terrace, a unit or a home above a shop in Newtown? Get access to a panel of lenders, plain-English advice and a broker who knows which lenders suit mixed-use property, at no cost to you.

Why demir.loans in Newtown

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 Newtown market, from a lending angle

Newtown is built around King Street, with Victorian terraces, small units and shop-top homes filling the streets between Sydney Uni and Enmore. Around 170 houses sold here in the past year, most with two or three bedrooms, plus about 110 units.

A distinctive question here is mixed-use property: a home above a shop, or a terrace with a commercial front. Some lenders treat these as residential, others as commercial, which changes the deposit, the rate and how much you can borrow. Narrow terraces with no parking and heritage controls also bring their own valuation and renovation questions.

Newtown snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$1.9m	~$2.05m	+8%
Units	~$950k	~$940k	−1%

Typical buyerProfessionals, creatives & investors

StockTerraces, small units, shop-top homes

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 169 houses (mostly 2 and 3 bedroom) and 109 units (mostly 1 and 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.

Newtown questions, answered

Can we meet in person in Newtown?

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

Can I get a home loan on a shop-top property?

Often, yes, but lenders differ. Some treat a home above a shop as residential, others want a bigger deposit or class it as commercial. Zoning, title and how the space is used all matter, so I’ll check before you bid.

Will a terrace with no parking value lower?

Not necessarily. The valuer compares it with similar terraces nearby, many of which also have no parking. It matters more for resale and lifestyle than for the loan.

Nearby

Enmore, Erskineville, Camperdown, Stanmore, St Peters and the wider Inner West. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all Inner West suburbs.

Let's talk

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