Home loans for Coogee buyers and investors
Coogee is our home suburb, and we know its property market inside out. Whether you're buying, refinancing, or investing, we provide access to 30+ lenders, auction pre-approval, and deep local knowledge, all with a $0 broker fee.
Mortgage services for Coogee
Home Loans
Variable, fixed, and split loans across 30+ lenders. As Coogee locals, we know the area's property mix, from beach apartments to family homes, and find the right loan for each.
Learn more →Auction Pre-Approval
Coogee auctions are competitive. We arrange pre-approval before you start inspecting so you can bid with confidence, knowing exactly what you can spend and that your finance is set.
Learn more →Investment Loans
Coogee's strong rental demand, proximity to the CBD, and diverse property mix make it a consistent investment market. We structure lending to match your investment strategy.
Learn more →Refinancing
Coogee values have risen strongly. If your loan is more than two years old, there's a good chance a better rate is available. We'll review your situation and compare the market at no cost.
Learn more →Buying in Coogee? Get pre-approved before you inspect.
Talk to ShaneWhy Coogee buyers and refinancers choose Finance Craft
Based in Coogee
Finance Craft is based right here in Coogee. We know the streets, the buildings, the agents, and the market dynamics better than anyone. That local knowledge translates directly into better outcomes for clients.
Diverse Property Knowledge
Coogee has everything from beachfront apartments to family houses and new developments. We understand the nuances of each property type and match clients to the right lenders.
30+ Lenders Compared
We search across banks, non-bank lenders, and specialists to find the most competitive rate and structure for your situation. One application, maximum choice.
$0 Broker Fee
Our service is completely free to you. Lenders pay us a commission when your loan settles, so you get expert mortgage advice and full application support at no cost.
Local knowledge, 30+ lenders, and no broker fee. Let's find your Coogee home loan.
Book a Free CallA versatile beachside suburb with broad appeal
Coogee offers one of the Eastern Suburbs' most diverse property markets, from beachside apartments to spacious family houses, with strong demand from both owner-occupiers and investors across all price points.
Source: CoreLogic data via Your Investment Property, 2025. Figures are indicative and subject to change.
Coogee mortgage FAQs
We arrange pre-approval before the auction so you can bid with full confidence. Coogee auctions are competitive and move quickly. Once you win, settlement typically occurs within 42 days and we liaise with your conveyancer throughout to keep things on track.
Coogee has a wide variety of strata apartments, from older blocks to newer developments. Most lenders are comfortable with Coogee strata properties. We understand the local building landscape and know which lenders suit which types of properties.
Most buyers aim for 80% LVR to avoid Lenders Mortgage Insurance. All lenders will lend above 80% with LMI, and in some cases an LMI waiver special package may apply. For very high value properties above $7.5M, some lenders cap at 80%. We'll identify the right structure for your situation and budget.
Coogee consistently performs well for investors. Strong rental demand from young professionals and families, proximity to the CBD, and a diverse range of price points make it one of the Eastern Suburbs' most accessible investment markets. We structure investment loans to maximise your borrowing capacity and portfolio flexibility.
Our service is completely free to you. Lenders pay us a commission when your loan settles. There are no upfront costs, no hidden fees, and no obligation after an initial conversation.
Ready to buy or invest in Coogee?
Book a free call with Shane and let's get your finance sorted.