Mortgage broker Ramsgate
Next door along Rocky Point Road.
Mortgage Broker in Sans Souci
Sans Souci is where we are based. If you live nearby, we can sit down together, and if you are buying or refinancing here, the property questions are ones we can check locally.
LNB Finance is a mortgage broker based in Sans Souci, serving Dolls Point, Sandringham, Ramsgate, Kyle Bay and the surrounding St George suburbs. We compare more than 60 lenders, and in the usual case our service costs you nothing because the lender pays us on settlement.
Sans Souci sits on the peninsula between the Georges River and Botany Bay, at the St George end of the Captain Cook Bridge. Homes near the water, older houses on the streets behind Rocky Point Road and newer apartments along it all sit within a few blocks of each other.
Before you buy near the water
Every NSW purchase contract includes a planning certificate issued under section 10.7 of the planning legislation. For low-lying streets close to the bay or the river, read it closely. Flood or coastal hazard notations can affect building insurance premiums, what you can build, and how a valuer views the property.
A notation rarely stops a loan. It does mean the insurance quote and any plans to extend should be checked before exchange, not after.
Older homes and rebuilds
Many streets still have original post-war homes, and replacing them is a common path. If the house was built before the late 1980s, budget for the possibility of asbestos, which affects renovation and demolition costs.
For the finance: buy with a standard loan, then fund the build through a construction loan that pays the builder in stages. If you plan two dwellings on the block, lenders assess the whole project differently; see what our Mortdale page covers on duplex finance.
Long-term owners
Owners who bought here years ago often hold substantial equity and an old loan that has drifted above current pricing. A home loan health check shows whether switching pays. If you are helping children into their first home, compare a guarantor loan with a gift, because they carry very different risks for you.
Downsizing without leaving the area usually means a smaller loan or none. If you want to buy before selling, see bridging finance.
Common questions
Yes. We are based in Sans Souci, so meeting locally is straightforward. We can also do everything by phone and email.
Usually not. It is more likely to affect insurance cost and building approvals. Check the planning certificate and get an insurance quote before you exchange.
In the usual case no. The lender pays us on settlement, and that is disclosed in our Credit Guide before you apply.
Buying or refinancing in Sans Souci?
One conversation, more than 60 lenders compared, no fee to you in the usual case.