YOUR LOCAL BROKER

Your mortgage broker in Zetland.

Buying an apartment in Zetland or the Green Square town centre? Get access to a panel of lenders, plain-English advice and a broker who knows how lenders view large modern complexes, at no cost to you.

Why demir.loans in Zetland

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 Zetland market, from a lending angle

Zetland is almost entirely modern apartments, built over the past two decades around the Green Square town centre, its library, parks and the station a short walk away. It has become one of Sydney’s biggest apartment markets, with close to 350 units sold here in the past year and almost no houses.

Large complexes bring their own lending questions. Strata levies in buildings with pools, gyms and concierge services can be high, and lenders count them as an ongoing cost, which reduces borrowing power. Many buyers are young professionals buying their first place, alongside investors, so the deposit, lenders mortgage insurance and the right loan structure all come up often.

Zetland snapshot

Median	Oct 2025	Oct 2026	Change
Houses	No house sales
Units	~$970k	~$990k	+2%

Typical buyerYoung professionals & investors

StockModern apartments

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 346 units (mostly 1 and 2 bedroom). Zetland has almost no freestanding houses. 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.

Zetland questions, answered

Can we meet in person in Zetland?

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

Do high strata levies affect how much I can borrow?

Yes. Lenders count strata levies as an ongoing cost, so higher levies reduce your borrowing power. Compare levies between buildings before you fall for one.

Can I buy my first apartment with less than 20% deposit?

Often, yes. Government schemes can let eligible first-home buyers in with a smaller deposit and no lenders mortgage insurance, under a price cap. Otherwise LMI applies, and I’ll show you the cost of each path.

Nearby

Waterloo, Rosebery, Alexandria, Beaconsfield, Kensington and the wider Inner South. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all Inner South suburbs.

Let's talk

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