Mortgage Broker Potts Point | Apartment & Art Deco Loans
Your Potts Point Mortgage Broker, Done Properly
Potts Point is a distinctive pocket of Sydney’s inner east renowned for its grand Art Deco apartments, leafy streetscapes, harbour outlooks, and walkable café culture. It offers a lifestyle few postcodes can match, but that same uniqueness brings added complexity when securing finance.
Whether it’s high-density developments, heritage overlays or strata quirks, we understand how to translate those features into lending outcomes that make sense. Our team of Sydney mortgage brokers specialises in aligning your finance with your property’s characteristics, helping you move forward with clarity and confidence.
We also assist clients across a range of nearby suburbs with similar lending conditions, including Vaucluse, Rose Bay, Bondi Beach, Bellevue Hill, Bronte, Kings Cross, Randwick, Watsons Bay, Dover Heights, Point Piper, Darling Point and Paddington.
How We Help in Potts Point
Apartment & Home Loans
Art Deco apartments with period features and unique layouts.
Modern high-rise residences with lifts, concierge, and shared amenities.
Compact studios and one-bedrooms ideal for professionals and first-home buyers.
Prestige penthouses or view-oriented properties that require tailored valuation briefing.
Refinancing to improve rates or access equity for upgrades and investments.
Investment & Portfolio Lending
Executive rentals close to the CBD, public transport, and business precincts.
Corporate leases or furnished investments structured for lender approval.
Properly documented short-term letting strategies (where permitted).
Multi-property portfolios supported by smart, scalable lending frameworks.
Specialist Scenarios
Older strata buildings with mixed-use zoning or complex levies.
International buyers needing support with offshore income or assets.
High-density buildings with reputation or structural nuances that impact lending appetite.
Why Clients Choose Advance Lending
We don’t generalise, we go building by building. Our team understands how levy structures, façade conditions, and strata health affect the way banks assess risk. That includes briefing valuers on view lines, natural light, or renovation works that influence value.
This hands-on, location-specific expertise extends beyond Potts Point, reaching across Elizabeth Bay, Darling Point and the broader Kings Cross corridor. It’s how we deliver insights not assumptions at every step.
You’ll benefit from a calm and proactive process, from your initial discovery call through to settlement and beyond. We also keep your loan structure sharp with regular reviews and repricing where suitable.
Potts Point Market Snapshot
Balconies, courtyards and roof terraces significantly boost valuation outcomes.
Well-maintained Art Deco stock continues to attract strong buyer interest.
Newer developments compete through location and convenience but are weighed differently by lenders.
Strata fees and maintenance history can shape borrowing capacity more than many realise.
Inner-city rental demand remains high due to proximity to employment, amenities, and transport.
Our Lending Process
Discovery chat – Outline your goals, timelines and borrowing capacity.
Lender shortlist – We refine your options based on income structure and property type.
Valuation & application – We coordinate with strata, valuers and solicitors to keep things progressing.
Approval & settlement – Steady guidance through conditions, loan docs, and disbursement.
Ongoing reviews – Post-settlement check-ins to keep your loan competitive.
Frequently Asked Questions
Do harbour glimpses or outlooks change borrowing potential?
Yes. Elevation, orientation and view corridors can significantly influence the valuation figure. We work with valuers who recognise those nuances.
What makes Art Deco properties different from finance?
They often come with heritage restrictions, unique layouts, and complex strata histories. We tailor our applications to highlight strengths and resolve red flags early.
What deposit is typically required?
Most owner-occupiers in Potts Point need 10–20% plus costs, though lender appetite varies by building profile. We map your equity and cash position to match policy.
How do strata fees impact my approval chances?
Lenders assess ongoing costs as part of serviceability. Higher levies can reduce your borrowing power unless offset elsewhere.
Can furnished or corporate leases be used as income?
Yes if documented correctly and accepted by the lender. We’ve helped many investors secure approval based on rental yield structures in the area.