YOUR LOCAL BROKER

Your mortgage broker in Penshurst.

Buying your first unit, a family home or an investment in Penshurst? 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 Penshurst

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 Penshurst market, from a lending angle

Penshurst is a station village between Hurstville and Mortdale on the Illawarra line, with a small shopping strip near the station and quiet residential streets around it. Both sides of the market are active: around 130 units and 70 houses sold in the past year.

That balance means a mix of buyers. First-home buyers look at the units near the station, where government deposit schemes and stamp duty concessions often apply. Families look at the houses, and upgraders moving from a unit to a house often need to buy before they sell. Investors like the transport links, so loan structure and rental yield come up too.

Penshurst snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$1.7m	~$1.8m	+6%
Units	~$670k	~$740k	+10%

Typical buyerFirst-home buyers, families & investors

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 67 houses (mostly 3 and 4 bedroom) and 130 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.

Penshurst questions, answered

Can we meet in person in Penshurst?

Yes. I’m based in Ramsgate, a short drive away, so a coffee near the station, your place, or phone and video all work.

Can I move from a unit to a house without selling first?

Often, yes. You can use equity in your unit towards the new deposit, or use bridging finance to cover the gap until it sells. I’ll show you what each option costs and how long it can run.

Should I keep my unit as an investment when I upgrade?

It can work well, but it changes your borrowing power and tax position. Lenders count the rent but also the loan, and how you structure both loans matters. I’ll model it with you, and your accountant can confirm the tax side.

Nearby

Hurstville, Mortdale, Beverly Hills, Peakhurst, Oatley 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.