Your Local Earlwood Mortgage Broker
Lend & Loan is a top-rated mortgage broker in Earlwood 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 Earlwood ($1.80M median), John Pierre Saliba (MFAA accredited, ACL 511092) provides a personalised, obligation-free service. Call 02 8046 3933.
Whether you are buying your first home, upgrading, investing, or refinancing in Earlwood, 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 Canterbury-Bankstown market. He understands which lenders favour Earlwood properties, how to structure loans for maximum borrowing power, and how to navigate complex situations like self-employment, LMI waivers, and SMSF lending.
Earlwood offers strong family appeal with houses around $1.8M, well below Inner West neighbours. First home buyers can enter the unit market from $680K. Lenders respond well to the suburb's stable demographics and consistent demand.
Home Loan Services in Earlwood
First Home Buyers
Units from $680K offer genuine Inner West-adjacent entry. Under $800K qualifies for full stamp duty exemption in NSW. First Home Guarantee allows 5% deposit with no LMI up to $900K.
Refinancing
On a $1.44M loan, a 0.5% rate cut saves $7,200/year. If your fixed rate expired or you have not reviewed in 2 years, you may be overpaying. A free rate review across 50+ lenders takes 20 minutes.
Investment Loans
Houses at $1.8M with steady 6.2% annual growth. Units at $680K return approximately 3.5% gross yield. The suburb's family profile keeps vacancy rates low and rental demand high.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers in Earlwood. Whether you are a business owner, sole trader, or contractor, we know which lenders assess income flexibly and how to present your application for the strongest result.
Monthly Repayment Guide, Earlwood
The following estimates use a 6.00% interest rate, principal and interest (P&I), over a 30-year loan term at 80% LVR (20% deposit). Actual rates vary by lender and borrower profile. John compares 50+ lenders to find the best rate for your situation.
Repayments on a Earlwood House
At $1.80M with 20% deposit ($360,000), an 80% LVR loan of $1.44M at 6.00% P&I over 30 years costs approximately $8,634/month. Rates vary by lender; John compares 50+ to find the sharpest deal.
Repayments on a Earlwood Unit
At $680,000 with 20% deposit ($136,000), an 80% LVR loan of $544,000 at 6.00% P&I over 30 years costs approximately $3,262/month. Use our repayment calculator for personalised figures.
Suburb Profile, Earlwood
Earlwood (2206), Canterbury, population ~18,000. Wolli Creek bushwalks, quiet family streets, diverse dining along Homer Street, close-knit community parks.
Transport: Bus 25 minutes to CBD via Princes Highway. Close to Bardwell Park and Clemton Park stations.
Schools: Earlwood Public School, Clemton Park Public School.
Demographics: Earlwood is a Canterbury suburb in Sydney's Canterbury-Bankstown corridor. The suburb attracts a mix of families, young professionals, and investors drawn to its transport links and community character.
Why Use a Mortgage Broker in Earlwood?
- 50+ lenders compared: We search across major banks, second-tier lenders, and specialists to find the right loan for your Earlwood purchase.
- 100% free service: We are paid by the lender, never by you. No fees, no obligation.
- Local knowledge: John understands Earlwood's property market, which lenders favour the postcode, and how to maximise your borrowing power.
- Complex situations welcome: Self-employed, multiple properties, SMSF, LMI waivers, construction loans. We handle it all.
- Best Interests Duty: As MFAA-accredited brokers under ACL 511092, we are legally required to recommend the loan that is best for you.
How to Get Started
Getting a home loan in Earlwood starts with a free consultation. Here is the process:
- Step 1: Book a free consultation online or call 02 8046 3933. John responds personally.
- Step 2: We assess your borrowing power across 50+ lenders and identify the best options for your Earlwood purchase.
- Step 3: Pre-approval in 2 to 5 business days. You can start shopping with confidence.
- Step 4: We manage the full application, liaising with the lender, conveyancer, and real estate agent through to settlement.
