YOUR LOCAL BROKER

Your mortgage broker in Picnic Point.

Upsizing to a family home near the river, renovating or refinancing in Picnic Point? 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 Picnic Point

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 Picnic Point market, from a lending angle

Picnic Point sits on the Georges River, bordered by bushland and the national park along the water. It’s a houses-only market of larger family homes, most with four or five bedrooms, and around 115 sold here in the past year.

Bushland and river frontage bring questions worth checking before you buy. Some blocks are mapped as bushfire-prone or flood-prone, which can affect building costs, insurance and occasionally the valuation. Most buyers are families upsizing into a long-term home, so loan structure, offset accounts and how the new loan fits around the sale of the old home matter most.

Picnic Point snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$1.6m	~$1.7m	+6%
Units	No unit sales

Typical buyerUpsizing families

StockLarger 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 115 houses (mostly 4 and 5 bedroom). Picnic Point has almost no units. 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.

Picnic Point questions, answered

Can we meet in person in Picnic Point?

Yes. I’m based in Ramsgate, just across the river, so I can come to you, or we can do it by phone or video.

How do I check flood or bushfire risk before buying?

Council planning certificates and the NSW planning portal show mapped flood and bushfire areas, and an early insurance quote tells you the real cost. The lender will need the home insured before settlement.

How should we structure a bigger family loan?

Usually around an offset account, sometimes with part of the loan fixed for certainty. I’ll model a few options so you can see the difference over time.

Nearby

Panania, East Hills, Revesby, Milperra, Sandy 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.