Last updated: July 2026 · Written and reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited, Bachelor of Business and Commerce, Advanced Diploma in Financial Planning, Diploma of Finance and Mortgage Broking Management. 10+ years in lending, over $600 million in finance facilitated across his career.
Your Local Randwick Mortgage Broker
Lend & Loan is a top-rated mortgage broker in Randwick 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 Randwick ($3.71M 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 Randwick, 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 Eastern Suburbs market. He understands which lenders favour Randwick properties, how to structure loans for maximum borrowing power, and how to navigate complex situations like self-employment, LMI waivers, and SMSF lending.
Randwick is one of Sydney's premium property markets, with a median house price of $3.71M and units at $1.31M. At this price point, lender selection and jumbo loan structuring are critical to securing the best terms.
Home Loan Services in Randwick
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
Houses grew 3.4% in 12 months. Units at $1.31M offer 2.7% yields. We structure for maximum deductibility.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers in Randwick. 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, Randwick
Randwick is home to the Royal Randwick Racecourse, the Prince of Wales Hospital campus, and UNSW. The light rail from Circular Quay terminates at Kingsford and Randwick, improving connectivity. Heritage homes on Avoca Street and Alison Road command Eastern Suburbs premiums. Student rental demand from UNSW provides steady yields for investors. Randwick Ritz and the Royal Randwick Shopping Centre anchor local retail. Many Randwick buyers also look at the quieter beachside pocket of Clovelly to the east, or at Rosebery in the Inner South, where apartment entry prices are significantly lower.
