THE SHIRE

Your mortgage broker in Cronulla.

Buying beachside in Cronulla? Most of the stock is apartments, and lenders don't treat them all the same. Get access to a panel of lenders by a broker based just over the bridge.

Why demir.loans in Cronulla

One broker, start to finishYou deal with the same person from first chat to settlement. No call centres, no handoffs, no re-explaining your situation to a stranger.
Access to a panel of lendersMajor banks and specialist lenders side by side, so the recommendation fits you rather than a sales target.
No cost to youThe lender pays a commission if your loan settles, and every dollar of it is disclosed before anything is submitted. Lender fees, such as application or valuation fees, may still apply.
Plain English, alwaysOffset, LVR, LMI, split loans: I translate the jargon and show the trade-offs before you sign anything.
Fully licensedUgur Ozer (Credit Representative Number 572326) is a credit representative of LMG Broker Services Pty Ltd, Australian Credit Licence 517192, bound by the Best Interests Duty.

The Cronulla market, from a lending angle

Cronulla is the most apartment-heavy market in the Shire: the majority of its stock is strata, from older walk-ups to newer beachfront developments, alongside a premium band of peninsula houses. Units sell fast and attract everyone from first-home buyers to downsizers and investors chasing the beach lifestyle.

For finance, that mix means lender selection does real work: some lenders are cautious on smaller or older units, house purchases at the premium end run into large-loan pricing, and investors need the loan structured for the long game. Downsizers releasing equity from a family home elsewhere in the Shire are a weekly conversation here too.

Cronulla snapshot

Median	Oct 2025	Oct 2026	Change
Houses	~$2.9m	~$3.2m	+10%
Units	~$1.15m	~$1.3m	+13%

Typical buyerDownsizers, first-home buyers, investors

StockApartments, premium peninsula houses

Indicative medians as at October 2025 and October 2026, rounded from public market data. Each covers all bedroom counts across the 12 months of sales to that date. In the year to October 2026 that was 124 houses (mostly 3 and 4 bedroom) and 394 units (mostly 2 bedroom). Changes are approximate. Not a valuation. For current numbers on a specific property or street, just ask.

How it works

1. Tell me about you. A quick chat about your goals, timeline and numbers. No document dump up front.
2. Find a solution. I compare options across a panel of lenders and recommend the ones in your best interests, with the trade-offs in plain English.
3. Submission. Happy with the plan? I package and submit your application to the chosen lender.
4. Approval. I manage the lender back-and-forth and chase your approval, keeping you posted.
5. Settlement. Paperwork sorted, keys in hand, and I'm still here for whatever you finance next.

Cronulla questions, answered

Are older walk-up units harder to finance?

Sometimes. A few lenders want bigger deposits for smaller or older units. It’s a lender-selection problem, and with a broad panel, solvable.

We’re downsizing to Cronulla. Where does the loan fit?

Often a small loan or bridging cover between selling the family home and settling the apartment. Done right it removes the pressure to sell in a hurry.

Is a Cronulla unit a good investment?

Rental demand is strong and units have been moving quickly. Whether it fits your strategy depends on your numbers, which is a conversation, not a slogan.

Nearby

Woolooware, Caringbah, Burraneer, Kurnell, Greenhills Beach and the wider Shire. Further away? No problem: phone and video work just as well, and I lend Australia-wide. See all Sutherland Shire suburbs.

Let's talk

A quick chat, no pressure, no obligation. Book a time, email ugur@demir.loans or call 0495 000 228.