Apartment Home Loan Wollongong
Welcome to Wollongong's Apartment Home Loan
experts.
SimpleFin are Wollongong Apartment Home Loan experts, helping locals across all of wider Illawarra get stress-free loans. Simply get in touch to discuss your Apartment Home Loan goals.
We had a great experience with Greg from SimpleFin regarding what to do with our home loan, the funds we had in offset and how we could look to invest for our future. We would have set our home loans up all wrong if it wasn't for Greg. Highly recommend working with him, it was great!." ⭐⭐⭐⭐⭐
Apartment Home Loan Mortgage Brokers that care
We help you find better Apartment Home Loan options.
Your first home or your fifth, SimpleFin help make Wollongong home loans and financing simple. With access to 60+ leading lenders, no pushy sales, no confusing lingo, just local finance experts that find real options that works for you.
Greg began his broking career in 2014 at a boutique mortgage brokerage on Sydney’s Northern Beaches, quickly mastering the ever-changing lending landscape. In 2016, he joined NAB as an in-house mortgage broker, working with MLC (now IOOF/Insignia) Financial Planners, where his strong relationships and client-first approach led to rapid success.
From 2017 to 2024, Greg held key roles at PLAN, Choice, FAST, and Loan Market, ultimately serving as State Manager under Loan Market’s new private ownership.
Now, as a proud Wollongong local with a young family, Greg is dedicated to helping Wollongong locals achieve their financial dreams through home ownership and wealth creation.
1. Local Apartment Home Loan experts.
Every question you have, no matter how big or small, gets a straight answer from the same person every time. You’ll always know exactly where you & your loan stands.
2. Jargon-free advice.
Home loans come wrapped in language most people don't use. LVR, LMI, comparison rates, serviceability. We cut through the noise and explain everything simply & practically.
3. More lender choice.
With 60+ lenders on our panel, we compare options and negotiate on behalf of our Apartment Home Loan clients, so they can see how their loan stacks up.
We compare 60+ lenders to find a Apartment Home Loan solution that works for you.
We work with Australia’s leading banks and non-bank lenders, giving you more options and loans tailored to your exact needs. No bias, just what works best for you.
WOLLONGONG MORTGAGE BROKER REViews
“We couldn’t be happier with the service we received from Greg at SimpleFin. We went to him with quite a complicated financial arrangement, and he made the whole process feel so much easier and more manageable. He was incredibly helpful and genuinely cared about getting the best outcome for us. We’re so grateful for his guidance and highly recommend him to anyone. Thanks again Greg!"
Annelie Watt
June 2026
★★★★★
Contact our Apartment Home Loan expertS
Chat to our Apartment Home Loan experts today.
We've been helping Wollongong home buyers, investors and families since 2014, with Apartment Home Loan
advice that works for you - not the bank.
Get in touch.
We'll reply the same way you contacted me, unless you say otherwise.
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FAQs.
A Wollongong Apartment Home Loan
should be simple, transparent and tailored to you. Here are some questions we're asked, with no jargon.
Why do lenders treat apartments differently to houses?
Lenders assess apartments on the security they provide, and some apartment types carry more risk in their view. Small studio or one bedroom units below a minimum size, apartments in very large high density towers, and buildings with a high proportion of investors or short term letting can attract tighter loan to value limits or be declined by some lenders.
Parts of the Wollongong CBD have high density stock that certain lenders restrict, so the same apartment can be straightforward with one lender and difficult with another. Knowing which lender suits which building is a large part of what we do.
How much deposit do I need for an apartment?
For a standard apartment that meets lender criteria, the deposit requirements are similar to a house, generally from 5% plus costs, with Lenders Mortgage Insurance applying under a 20% deposit.
For smaller units or high density buildings, some lenders require a larger deposit, and a handful cap how much they will lend against the property. We check the building against lender policy before you commit so there are no surprises at valuation.
What is a minimum apartment size and why does it matter?
Many lenders apply a minimum internal size, commonly around 40 to 50 square metres excluding balconies and car space, below which they will either lend less or decline. Studios and compact one bedroom units are the ones most often affected.
If you are looking at a smaller unit, it is worth confirming lender appetite before you make an offer, because a valuation that flags the size can unwind an approval late in the process.
Can I buy an apartment as an investment?
Yes, and apartments are a popular investment choice for their rental yield and lower entry price. Lenders will assess the expected rent, the building type and the location, and will apply investment loan pricing.
Because appetite varies so much by building, we match the specific apartment to a lender comfortable with that property type, which reduces the chance of a valuation or policy surprise.