Mortgage Broker Chatswood
Chatswood combines a high-density residential centre with established houses across its surrounding streets, giving buyers a broad range of properties to consider on Sydney's Lower North Shore. Its strong apartment presence, significant difference between house and unit prices, and ongoing housing growth all shape the local property market.
These characteristics can create different financing considerations depending on your financial circumstances and what you plan to buy. Working with a mortgage broker can help you understand how your position and chosen property may affect your home loan.
DIY Lending is a mortgage broker in Sydney helping clients with residential home and investment loans, guarantor loans, low doc loans, construction loans, expat loans and other finance. With access to more than 40 lenders, we compare lending options for buyers purchasing in Chatswood and elsewhere across Sydney..
The Chatswood Property Market in 2026
Chatswood is a major commercial and residential centre on Sydney's Lower North Shore, approximately 10 kilometres from the Sydney CBD. The suburb combines a high concentration of apartments with established residential streets, while Chatswood Station provides Metro, train and bus connections.
Unit Prices and Sales
The median unit price was $1.12 million for August 2025 to July 2026, based on 262 sales. Units spent a median of 36 days on the market. One-bedroom units recorded a median of $810,000, two-bedroom units $1.174 million and three-bedroom units $1.7 million.
House Prices and Sales
The median house price was $3.4 million over the same period, based on 116 sales. Houses spent a median of 31 days on the market, while the median house price was 3% higher than in the preceding 12-month period.
Dwelling Types and Households
At the 2021 Census, 67.6% of occupied private dwellings were flats or apartments, 27.9% were separate houses and 4.3% were semi-detached, row or terrace houses, townhouses or similar dwellings. The suburb had a median weekly household income of $2,158.
Transport and Housing Growth
Chatswood Station is served by Sydney Metro, the T1 and T9 train lines and numerous bus routes. Willoughby LGA also has a NSW Government target of 3,400 additional completed homes between 2024 and 2029, while the 2026 Sydney Plan identifies Chatswood centre and station among the locations where higher-density development will be concentrated.
What This Means for Your Loan
A $1.12 million median unit and a $3.4 million median house create very different financing requirements in Chatswood. What this means for your loan depends on the type of property you are buying, your financial position and the lending options available to you.
Larger Loan Requirements for Houses
With a median house price of $3.4 million, purchasing a house in Chatswood can require a substantial deposit and a larger loan. The amount you can borrow depends on your income, expenses, liabilities and dependants, while the deposit required can vary with factors such as the lender, loan to value ratio (LVR) and property valuation.
Property Assessments for Apartments
Flats and apartments represented 67.6% of Chatswood's occupied private dwellings at the 2021 Census, making apartment finance particularly relevant in the suburb. As with houses, the property forms part of the lender's assessment, so your choice of lender can depend on whether the apartment meets that lender's property and credit policies.
Scheme Eligibility for Lower-Priced Properties
Chatswood is within the current $1.5 million NSW capital-city property price cap for the Australian Government 5% Deposit Scheme. Eligible first home buyers can purchase an eligible owner-occupied home with a minimum 5% deposit and no Lenders Mortgage Insurance (LMI), provided the buyer, property and loan meet the Scheme requirements. Both the purchase price and lender-assessed property value must be at or below the applicable cap.
Home Loans for Chatswood Buyers
As a mortgage broker in Chatswood, DIY Lending can arrange several types of finance, including the following:
Residential Home and Investment Loans
Residential home and investment loans for buyers, refinancers and property investors. We compare options across more than 40 lenders, including loans with fixed or variable rates, offset accounts and redraw facilities.
Guarantor Loans
Loans that can allow a family member to use equity in their property to support a home purchase. Depending on the lender and circumstances, this structure may reduce the deposit required and help a borrower avoid LMI.
Low Doc Loans
For eligible self-employed borrowers and small business owners who may not have standard pay as you go (PAYG) income documents or up-to-date financial statements and tax returns. Alternative income evidence can include business activity statements (BASs), business bank statements or accountant declarations, depending on lender requirements.
Construction Loans
For borrowers building a new home or undertaking a major renovation. These loans generally release funds in stages as the build progresses rather than advancing the full amount upfront.
Expat Loans
For Australian citizens living and earning overseas who are seeking finance to purchase a home or investment property in Australia. Expat lending can involve additional considerations including overseas income verification, foreign currency conversion and lender-specific credit policies.
Suburbs We Serve Around Chatswood
As a Chatswood mortgage broker, we can assist buyers purchasing in Chatswood and nearby Lower North Shore areas including Roseville, Castle Cove, Middle Cove, North Willoughby, Willoughby, Artarmon, Lane Cove North and Chatswood West.
Looking for assistance in another suburb or want to know more about our available finance services? Contact DIY Lending to discuss the areas we cover across Sydney and Australia, and how we can help with your financing needs.
Why Work With DIY Lending
DIY Lending is led by Di Yin and works across more than 40 lenders. We are a Corporate Credit Representative of Finsure Finance & Insurance Pty Ltd (ACL 384704), a member of the Mortgage and Finance Association of Australia and a member of the Australian Financial Complaints Authority.
Every client goes through the same five steps:- Discovery: we talk through what you need and when you need it.
- Assessment: we test your position and the building against the full lender panel.
- Approval: we prepare the application and deal with the lender.
- Settlement: we coordinate with your conveyancer through to settlement day.
- Ongoing review: we check the loan periodically against what is available.
Plan Your Chatswood Purchase With the Right Finance
Before making an offer or progressing with a property purchase in Chatswood, it can help to understand which loan options are available for your circumstances. A Chatswood mortgage broker can compare suitable options and explain how different lenders may approach your application.
Tell us about the property you are considering and your financing needs. DIY Lending can compare products from more than 40 lenders and discuss the options that may suit your Chatswood purchase.
Frequently Asked Questions (FAQs)
What is the median house price in Chatswood in 2026?
Chatswood recorded a median house price of $3.4 million from August 2025 to July 2026, across 116 sales. The median increased by 3% from the preceding 12-month period.
What is the median unit price in Chatswood in 2026?
Across 262 sales from August 2025 to July 2026, the median unit price was $1.12 million. By size, the median was $810,000 for one-bedroom units, $1.174 million for two-bedroom units and $1.7 million for three-bedroom units.
Can first home buyers use the 5% Deposit Scheme in Chatswood?
Yes, provided the buyer, property and loan satisfy the Australian Government 5% Deposit Scheme requirements. The applicable NSW capital-city price cap is $1.5 million. First home buyers must also have at least a 5% deposit, purchase an owner-occupied home and obtain their loan through a Participating Lender.
Are most homes in Chatswood apartments or houses?
Apartments make up the largest share of Chatswood's housing stock. At the 2021 Census, flats and apartments accounted for 67.6% of occupied private dwellings, compared with 27.9% for separate houses and 4.3% for semi-detached, terrace, townhouse and similar dwellings.
How much deposit do I need to buy in Chatswood?
The deposit required varies rather than being a fixed amount for all Chatswood purchases. It can depend on the property's price and valuation, the lender and loan to value ratio, your financial position, and whether you can use a government scheme or guarantor structure. The difference between local house and unit prices can also affect the cash required.
Is Chatswood well connected by public transport?
Yes. Metro, train and bus services all operate from Chatswood Station, including the M1 Metro and T1 and T9 train services. These connections provide access through the city and along the North Shore, establishing Chatswood as a major public transport interchange on the Lower North Shore.
Is more housing planned for Chatswood?
Yes. The NSW Government has set a target of 3,400 additional completed homes across Willoughby LGA between 2024 and 2029. Chatswood centre and station are also identified in the current Sydney Plan as locations for concentrated higher-density development, subject to detailed planning and applicable development controls.
This page contains general information only. It does not take into account your objectives, financial situation or needs, and it is not credit assistance or a recommendation to enter into any credit contract. Consider whether it is appropriate for you before acting.