YOUR LOCAL BROKER

Your mortgage broker in Padstow.

Buying a family home, subdividing or adding a granny flat in Padstow? Get access to a panel of lenders, plain-English advice and a broker based just across the river in Ramsgate, at no cost to you.

Why demir.loans in Padstow

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 Padstow market, from a lending angle

Padstow is a family suburb on the East Hills line, with a busy shopping strip around the station and streets of brick houses on large blocks. Close to 200 houses sold here in the past year, many with four or five bedrooms, and units are rare.

Big blocks open up options. Some owners subdivide to build a second home, others add a granny flat for family or rent, and lenders treat each quite differently. Subdivisions need construction finance and a plan for the new lot, while granny flat rent can sometimes lift borrowing power. Larger households upgrading within the area are common too.

Padstow snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$1.45m	~$1.6m	+10%
Units	Too few sales

Typical buyerFamilies & builders

StockFamily houses on big blocks

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 193 houses (mostly 3 to 5 bedroom). Only 19 units 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.

Padstow questions, answered

Can we meet in person in Padstow?

Yes. I’m based in Ramsgate, a short drive across the river, so a coffee nearby, your place, or phone and video all work.

Can I subdivide my block and build a second house?

Often, subject to council rules. Lenders can fund the build with a construction loan, and the new lot needs its own plan for sale or refinance once it’s finished. I’ll map out the finance before you commit to the subdivision.

Does granny flat rent help me borrow more?

Often, yes. Many lenders count part of the rent from an approved granny flat, though rarely all of it. How much they count varies, so it’s worth comparing.

Nearby

Padstow Heights, Revesby, Panania, Riverwood, Picnic Point and the wider East Hills area. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all East Hills suburbs.

Let's talk

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