Mortgage brokers in Eastwood

Eastwood is a suburb where the unit market and the house market barely speak to each other, and picking which one you are actually in is the first useful thing a broker can do. It sits 17 kilometres north-west of the Sydney CBD on the Main Northern line.

Two price levels, one postcode

The stock splits 52.8% separate houses, 28.2% flats or apartments and the rest townhouses, which is a genuinely mixed suburb by North Shore standards, and one where the housing type you choose changes the deposit, the lender list and the duty bill all at once. The prices split harder than the stock does. Postcode 2122 recorded a median house sale of $2,658,000 in the December 2025 quarter across 72 sales, carrying $127,477 in transfer duty under the 2026-27 Revenue NSW brackets in our stamp duty calculator. The strata median in the same quarter was $987,000 across 82 sales.

That second figure, from the same DCJ release, is the one worth pausing on. It lands inside the first-home concession band, above the $800,000 exemption cap but below the $1,000,000 upper threshold, so an eligible first home buyer pays a scaled figure rather than the full amount or nothing at all. A few thousand dollars either side of the contract price moves that number meaningfully. Ansa checks it against the actual contract rather than the advertised guide, because the guide is not what Revenue NSW assesses. Buyers who work that out before auction day bid differently to the ones who find out afterwards.

What lenders look at before they look at you

Unit buyers here meet questions house buyers never do. A share of the apartment stock sits close to the station in buildings that lenders read as high density, and several on our panel apply postcode or single-building exposure caps in exactly that situation, which means a lender can decline a perfectly sound borrower because it already holds enough of the building. Minimum internal size rules bite the smaller product too. If you are looking at something under about forty square metres, be honest with yourself early, because most of our panel will not lend on it and the few that will want a bigger deposit.

The suburb also spans the City of Ryde and the City of Parramatta. Your loan does not care. A development application does.

The two sides of the line

The retail is genuinely split by the railway, with Rowe Street mall on the western side and the Progress Avenue precinct on the east, and locals treat them as two centres rather than one. That matters to buyers more than it sounds, because walking distance to the right side of the line shows up in what people will pay. The station itself runs around half an hour into Central, which is the number most buyers weigh against everything else. Families arrive for the schools, with Eastwood Public, Eastwood Heights Public and Marist College all drawing from the surrounding streets, and then tend to stay put for a decade.

Our opinion, which agents selling new stock will dispute: at this price level the older three-bedroom townhouses are better value than the compact new apartments near the station, because floor area holds its worth with both lenders and tenants while new-build premiums fade. You are buying square metres and a floor plan that still works in ten years. The lift and the gym are somebody else’s levy. New apartments stop being new. Everything else is negotiable later.

The caveat we give every buyer here is about timing rather than price. If you are buying into a newer tower off the plan, we can arrange the loan but we cannot protect you from a valuation carried out at settlement, possibly two years from now, and that risk belongs with you rather than the bank. We have talked buyers out of long off-the-plan contracts for exactly that reason, which costs us the file and saves them the shortfall.

We work Macquarie Park, Carlingford and Epping on the same footing from the brokers in West Pymble, all listed on the suburbs hub. Run your ceiling through the borrowing power calculator first, then read how the first-home schemes stack.