Apartment home loans in South West Sydney

Buying a unit or apartment in Bankstown or South West Sydney? We'll check the building against lender policy before you make an offer.

Buying an apartment? Not every lender sees it the way you do.

Apartments can be a great way into the market or a solid investment. But lenders are pickier about apartments than houses, and the building you choose can affect how much you're able to borrow.


At Infinity Mortgage Brokers, we help buyers across Bankstown and South West Sydney find out which lenders will back a particular apartment - before they fall in love with it.

How are apartment loans different?

Lenders look closely at the apartment itself, not just at you. Things that can change the outcome include:

  • The size of the unit - very small apartments can be harder to finance
  • The size and type of building
  • How many units are owned by investors
  • The strata report and any building defects
  • The postcode and how many new apartments are nearby
  • Whether you're living in it or renting it out

We'll check the property against lender policy early, so there are no surprises at valuation.

Why does the building matter so much?

Because the apartment is the lender's security. A unit in a large tower in the Bankstown or Liverpool centre might be restricted by one lender and accepted without fuss by another.


Knowing which lender suits which building is a big part of what we do. It can be the difference between a smooth approval and a last-minute scramble.

How Infinity Mortgage Brokers can help

We help first home buyers and investors across South West Sydney buy apartments with confidence. Here's what you get with us:

  • A lender check on the building before you offer
  • Access to 40+ lenders with different apartment policies
  • Advice on deposits, strata costs and first home buyer schemes
  • Help reading what the strata report means for your loan
  • Support through to settlement

Send us the listing and we'll tell you where you stand.

Found an apartment you like?

Let's chat! Schedule a free introductory call with us now.

  • Why do lenders assess apartment home loans differently from houses?

    Lenders assess apartment home loans differently because some apartments are harder to resell than a house on its own land. The apartment is the lender's security, so its size, building and location all matter.


    What raises concern


    Lenders are wary of very small units, towers with hundreds of lots, and buildings dominated by investors or short stay letting. Blocks with known defects raise concern too. Any of these can attract lower lending limits or a refusal.


    Policies vary by building


    A unit in a large tower in the Liverpool or Bankstown centre may be restricted by one lender and accepted by another. An older walk up in Penshurst or Mortdale raises few concerns.


    What to check before you offer


    Check the internal floor area, the number of lots, the strata report and any building defect history.


    Checking first


    Infinity Mortgage Brokers checks the building against lender policy before you commit. See our guide to home loans for apartments.

  • How much deposit do I need for an apartment in South West Sydney?

    For a standard apartment in South West Sydney you need the same deposit as for a house, starting from 5% plus costs. LMI applies below a 20% deposit unless a scheme or waiver covers you.


    When lenders want more


    For smaller units and high density buildings, some lenders want 20% or more. A few limit the amount they will lend regardless of price.


    Postcode limits


    Postcodes with a heavy supply of new apartments can carry tighter limits with some lenders.


    First home buyers


    Apartments often sit at lower price points than houses, which can bring a purchase within the NSW transfer duty thresholds and reduce the cash you need.


    Testing the building


    Infinity Mortgage Brokers tests the specific building before you commit, so nothing changes at valuation. Weighing up your options? Read buying a unit versus a house or our guide to the best suburbs for public transport.

  • Is there a minimum apartment size for a home loan?

    Yes, most lenders set a minimum apartment size for a home loan. The common threshold is about 40 to 50 square metres of internal living area, not counting the balcony or car space.


    What happens below the minimum


    A lender may reduce the amount it will lend or decline. Studios and small one bedroom units are the ones usually caught.


    What counts as internal area


    Lenders measure the living space inside the unit. Balconies, car spaces and storage cages are excluded.


    Before you make an offer


    Ask the agent for the floor plan and internal area. A valuation that reports a small floor area late in the process can undo an approval.


    Confirming lender appetite


    Infinity Mortgage Brokers confirms which lenders accept the unit before you offer, for buyers across Bankstown, Campsie and Liverpool. Our guides to home loans for apartments and the best suburbs for singles have more.

  • Can I buy an apartment as an investment property?

    Yes, you can buy an apartment as an investment property. Apartments appeal to investors because they cost less to enter and can produce a solid rental return.


    Where demand is steady


    Units close to stations in Campsie, Fairfield and Warwick Farm tend to draw steady tenant demand.


    What the lender assesses


    The lender assesses the expected rent, the type of building and its location. Investment pricing applies.


    Costs to factor in


    Strata levies, council rates, agent fees and any special levies come off your return.


    Matching apartment to lender


    Appetite varies widely between buildings, so Infinity Mortgage Brokers in Bankstown matches the particular apartment to a lender that is comfortable with it. Start with our guide to buying an investment property, or the best suburbs for couples if you plan to live in it first.