Your Local Artarmon Mortgage Broker
Lend & Loan is a top-rated mortgage broker in Artarmon (2064) with 80 five-star Google reviews. We compare 50+ lenders for free to find the best home loan for your situation. Whether you are a first home buyer eyeing an apartment near the station, a family upgrading to a house on the western side, an investor, or a homeowner looking to refinance, John Pierre Saliba (MFAA accredited, ACL 511092) provides a personalised, obligation-free service. Call 02 8046 3933.
Artarmon sits within Willoughby City Council on the Lower North Shore, just one stop from Chatswood and a short commute to North Sydney and the CBD. John has deep knowledge of this market. He understands which lenders favour Artarmon postcodes, how to structure loans at the $3.6M house median and $1.12M unit median, and how to navigate complex situations including self-employment, LMI waivers, and SMSF lending.
About Artarmon, 2064
Artarmon is a well-established Lower North Shore suburb in the Willoughby local government area. Its character splits broadly into two zones. The western side, bounded by the Pacific Highway and stretching towards Willoughby, features tree-lined streets of federation and California bungalow-style houses. The eastern side, closer to Artarmon station and the Gore Hill precinct, is dominated by newer apartment developments and townhouses that appeal to professionals and first home buyers.
Artarmon station on the T1 North Shore line provides direct rail access to North Sydney (3 minutes), Wynyard (12 minutes), and Chatswood (2 minutes). The Artarmon village strip along Hampden Road offers cafes, restaurants, and everyday retail. For major shopping, Chatswood is one station north.
The former industrial area between the Pacific Highway and Artarmon station is undergoing a gradual transition to mixed-use development, bringing new residential stock and commercial tenancies. This regeneration continues to attract both owner-occupiers and investors to the suburb.
Buyer profiles in Artarmon include young professionals working in the North Sydney and CBD commercial precincts, families seeking quality school catchments within Willoughby Council, first home buyers entering through the apartment market, and investors drawn by tight vacancy rates and strong rental demand.
Houses on the western side of Artarmon regularly sell above $3.5M, which means most buyers need jumbo loan structuring across one or two lenders. Meanwhile, the apartment market near the station offers a more accessible entry point around $800K to $1.2M. In both cases, lender selection matters. Some lenders cap LVR at 80% for high-value postcodes, while others offer more flexibility with the right income profile. I help Artarmon buyers navigate these nuances every week.
Home Loan Services in Artarmon
First Home Buyers
Artarmon apartments offer a realistic entry point for first home buyers on the Lower North Shore. Units in the $800K to $1M range are common near the station. Properties under $800K qualify for full stamp duty exemption in NSW. The First Home Guarantee scheme allows purchases up to $900K with just a 5% deposit and no LMI. John guides first home buyers through eligibility, grant applications, and lender selection. See our first home buyer loans page for more details.
Refinancing
If you already own in Artarmon and have not reviewed your rate in the past 12 to 24 months, you may be overpaying. On a $1.5M mortgage, a 0.5% rate reduction saves $7,500 per year. On $3M, that saving doubles to $15,000. A free rate review across 50+ lenders takes about 20 minutes. Learn more on our refinancing page or try the refinance savings calculator.
Investment Loans
Artarmon houses grew 3.0% in the 12 months to May 2026, with units at $1.12M delivering 3.0% gross yields. Properties sell in a median 24 days, reflecting strong buyer demand. We structure investment loans for maximum tax deductibility and help portfolio builders access equity from existing properties. Visit our investment property loans page for structuring options.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers in Artarmon. Whether you are a business owner, sole trader, or contractor, we know which lenders assess income flexibly using BAS statements, accountant declarations, or bank statements rather than requiring two years of tax returns. See our self-employed home loans page.
LMI Waivers
Artarmon 2064 may qualify for a location-based LMI waiver with certain Tier-1 lenders, allowing you to borrow up to 85% or 90% LVR without paying Lenders Mortgage Insurance. Profession-based waivers for medical professionals, lawyers, and accountants can extend this further. John confirms eligibility on a case-by-case basis. Explore our LMI waiver options.
Nearby Suburbs We Cover
We also service borrowers across the Lower North Shore and Willoughby Council area, including Willoughby, Chatswood, Roseville, and Waverton. John covers all of Sydney and NSW.
