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Mortgage Broker Chatswood

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Chatswood Market, October 2026

Median house$3.25M
Median unit$1.14M
12-month growth-9.3%
Median rent$1,350/wk
Gross yield2.2%
Days on market24 days
Chatswood Property Market

Market data: October 2026 · Page reviewed: October 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited

Market Snapshot, October 2026

Chatswood · Lower North Shore · Population ~27,500

Median House Price
$3.25M
-9.3% annual
Median Unit Price
$1.14M
Strong demand
Median Weekly Rent
$1,350/wk
2.2% gross yield
Days on Market
24 days
Active market

Data sourced from CoreLogic-fed public market sources and ABS. Figures are indicative medians as at October 2026. Contact Lend & Loan for current figures.

Your Local Chatswood Mortgage Broker

Lend & Loan is a top-rated mortgage broker in Chatswood 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, investor, self-employed, or refinancing in Chatswood ($3.25M median), John Pierre Saliba (MFAA accredited, ACL 511092) provides a personalised, obligation-free service. Call 02 8046 3933.

Whether you're buying your first home, upgrading, investing, or refinancing in Chatswood, Lend & Loan compares 50+ lenders to find the loan that fits your situation, completely free.

John Pierre Saliba has 10+ years' experience in mortgage broking across Sydney, with deep knowledge of the Lower North Shore market. He understands which lenders favour Chatswood properties, how to structure loans for maximum borrowing power, and how to navigate complex situations like self-employment, LMI waivers, and SMSF lending.

John's lending insight: Chatswood

Chatswood is one of Sydney's premium property markets, with a median house price of $3.25M and units at $1.14M. At this price point, lender selection and jumbo loan structuring are critical to securing the best terms.

Home Loan Services in Chatswood

First Home Buyers

Entry starts with units around $800K–$1M. Under $800K gets full stamp duty exemption. First Home Guarantee allows 5% deposit, no LMI, up to $900K.

Refinancing

On a $1.5M loan, 0.5% rate cut saves $7,500/year. On $3M, $15,000. If your fixed rate expired or you haven't reviewed in 2 years, you may be overpaying. A free rate review across 50+ lenders takes 20 minutes.

Investment Loans

House prices eased 9.3% over the past year, which can favour buyers. Gross yields sit around 2.2%, with units at $1.14M. We structure for maximum deductibility.

Self-Employed Borrowers

John specialises in alt-doc and low-doc lending for self-employed borrowers in Chatswood. Whether you're a business owner, sole trader, or contractor, we know which lenders assess income flexibly and how to present your application for the strongest result.

Suburb Profile, Chatswood

Chatswood is the Lower North Shore commercial hub, anchored by Westfield Chatswood and the Sydney Metro Northwest station. High-density apartment developments cater to a strong Asian-Australian buyer demographic. Some lenders have concentration limits on specific Chatswood apartment buildings, so routing applications to the right lender matters. Chatswood Chase and the Concourse arts precinct add lifestyle appeal.

Free Tools

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Our Services

Every Loan Type Covered

Home Loans

Owner-occupier loans across 50+ lenders. The right rate, features, and structure.

First Home Buyer

5% deposit schemes, $10K FHOG, stamp duty exemptions, guarantor loans.

Refinancing

Free rate review, compare your current loan against 50+ lenders in 20 minutes.

Investment Loans

Interest-only, equity release, portfolio structuring for Sydney investors.

SMSF Loans

LRBAs for residential and commercial property. Tax-effective when structured right.

Self-Employed

Low-doc, alt-doc, BAS-based assessment. Banks say no, we find who says yes.

Could You Refinance Your Chatswood Property for a Better Deal?

If your Chatswood property has grown in value, you may qualify for a lower pricing tier, a sharper rate, or a cash-out for renovations or investing. John runs the full comparison across 50+ lenders for free and manages the whole switch, subject to lender assessment.

Refinancing guide Break-even calculator Check eligibility in 60 seconds
FAQs

Buying in Chatswood, Common Questions

What is the median house price in Chatswood?
The median house price in Chatswood (2026) is $3.25M, with prices easing 9.3% over the past year. The unit median is $1.14M. Source: CoreLogic/Cotality, reviewed October 2026. Contact Lend & Loan for current market advice.
How much deposit do I need to buy in Chatswood?
House $3.25M: 20%=$650K, 10%=$325K, 5%=$163K. Units $1.14M: 20%=$228K, 10%=$114K, 5%=$57K. A major Tier-1 lender's prestige postcode waiver or profession waiver may eliminate LMI.
Can I get an LMI waiver in Chatswood?
Depending on the postcode, Chatswood may qualify for a Tier-1 lender location LMI waiver. John can confirm eligibility for your specific address.
How long does approval take for a Chatswood property?
Pre-approval typically takes 2–5 business days. Formal approval after exchange is usually 5–15 business days. John expedites by ensuring documentation is complete and choosing the right lender for Chatswood properties from day one.
Is using a mortgage broker free?
Yes, 100% free. We're paid a commission by the lender when your loan settles. There are no upfront fees, no consultation fees, and no hidden charges. Under the Best Interests Duty, we're legally required to recommend the loan that's best for you.
Can I refinance my home loan in Chatswood?

Yes. John refinances loans for Chatswood homeowners regularly, comparing 50+ lenders to find a sharper rate, a cash-out, or both. The service is free because the lender pays on settlement, and everything is handled by phone or video at times that suit you.

How much could Chatswood homeowners save by refinancing?

It depends on your balance and current rate, but as a guide, a 0.50% rate cut on a $600,000 loan saves about $181 a month, roughly $2,175 a year. With Chatswood property values where they are, many owners also unlock equity at the same time. John runs your exact numbers for free.

Do you handle cash-out refinances in Chatswood?

Yes. If your Chatswood property has grown in value, a cash-out refinance can release equity for renovations, investing or consolidating debt, subject to lender assessment. John settled several large cash-out refinances across Sydney in 2026 and publishes anonymised examples on the settled deals page.

How long does refinancing take?

Most refinances settle within two to four weeks from application. Fast-track digital discharges can be quicker; a slow discharging lender is the most common delay. John manages the whole process, including chasing your current bank.

Ready to Find Your Chatswood Home Loan?

Free consultation. 50+ lenders compared. Personal response from John.

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