0480 040 239
Call 0480 040 239

Mortgage Broker for the Sutherland Shire

We are based in Sans Souci, directly across the Captain Cook Bridge from Taren Point, and we arrange home loans for buyers, refinancers and investors right across the Shire.

LNB Finance is a mortgage broker serving the Sutherland Shire, from Sylvania and Miranda to Cronulla, Engadine and Menai. We compare more than 60 lenders, check your situation against each lender's policy before anything is lodged, and in the usual case our service costs you nothing because the lender pays us on settlement.

The Shire is not one property market. A canal-front home in Sylvania Waters, a two-bedroom unit a short walk from Cronulla beach and a family home backing onto bushland in Engadine raise completely different lending questions. Getting the lender right for the property matters as much as getting it right for you.

Suburbs we cover in the Shire

We work across the whole local government area, including:

  • Sylvania, Sylvania Waters and Kangaroo Point
  • Miranda, Gymea and Kirrawee
  • Caringbah, Caringbah South, Taren Point and Lilli Pilli
  • Cronulla, Woolooware, Burraneer and Kurnell
  • Sutherland, Jannali, Como and Oyster Bay
  • Engadine, Heathcote, Yarrawarrah and Loftus
  • Menai, Illawong, Bangor and Barden Ridge

If your suburb is not listed, it is still covered. Our Australian Credit Licence is federal, so the only real limit is which lenders suit the property.

What makes lending in the Shire different

Bushfire-prone land. Suburbs on the edge of the Royal National Park and the Woronora and Georges River bushland include properties mapped as bush fire prone. That does not stop a loan, but lenders require building insurance before settlement, premiums can be higher, and if you plan to renovate, extend or knock down and rebuild, a bushfire attack level assessment will shape what you can build and what it costs. Build that into the budget before you commit.

Waterfront and canal properties. Around Sylvania Waters, Oyster Bay, Burraneer and Lilli Pilli, fewer directly comparable sales means valuations can vary more between lenders. If a valuation lands low, your loan-to-value ratio rises and mortgage insurance can appear where you did not expect it.

Beachside apartments. Near Cronulla and along the rail corridor, many purchases are strata units. Some lenders restrict lending on smaller apartments, and the building's own finances affect you directly, so read the strata report before exchange rather than after.

Larger loans. Where purchase prices are high, some lenders reduce the maximum loan-to-value ratio above certain loan sizes. Knowing which lenders do this avoids a surprise late in the process.

Who we usually help

Upgraders moving within the Shire who need to buy before they sell. A bridging loan works, but a longer settlement or a sale first is often cheaper. The bridging loan calculator shows the peak debt.

First home buyers looking at units near the train line. The 5% Deposit Scheme removes mortgage insurance for eligible buyers, subject to the price cap for the area.

Knockdown-rebuild and renovation on older blocks, which needs a construction loan with progress payments rather than a standard home loan.

Refinancers whose fixed rate has rolled onto a revert rate. Start with a home loan health check.

Common questions

No. We are based in Sans Souci and work across St George, Bayside and the Shire, and our credit licence lets us arrange finance anywhere in Australia, including interstate investment purchases.

Usually not. The property still needs building insurance in place before settlement, and some insurers price bushfire risk higher. If you plan to build or extend, a bushfire attack level assessment affects construction requirements and cost, so it is worth checking early.

In the usual case nothing. The lender pays a commission on settlement, and it is disclosed to you in writing in our Credit Guide before you apply. See are mortgage brokers free for how that works.

Yes, or we can do everything by phone and email. Many people use a mix, and complex applications are often easier to work through face to face.

Benjamin Marzouk

Mortgage broker, LNB Finance

Benjamin Marzouk is the broker behind LNB Finance, working with clients across the St George, Bayside and Sutherland Shire areas from Sans Souci, and arranging finance Australia-wide. He compares more than 60 lenders and is not owned by, or aligned to, any bank.

Credit Representative 551447 under Australian Credit Licence 384324, held by Outsource Financial Pty Ltd. LNB Finance Pty Ltd, ABN 83 668 176 083, and is subject to the Best Interests Duty. Both licence numbers are publicly searchable on ASIC Connect. Read our Credit Guide.

Buying or refinancing in the Sutherland Shire?

One conversation, more than 60 lenders compared, no fee to you in the usual case.

Call 0480 040 239Get assessed

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