Your Local Paddington Mortgage Broker
Whether you're buying your first home, upgrading, investing, or refinancing in Paddington, Lend & Loan compares 50+ lenders to find the loan that fits your situation — completely free.
John Pierre Saliba has 10+ years' experience in mortgage broking across Sydney, with deep knowledge of the Sydney Eastern Suburbs market. He understands which lenders favour Paddington properties, how to structure loans for maximum borrowing power, and how to navigate complex situations like self-employment, LMI waivers, and SMSF lending.
Paddington's heritage-listed Victorian terraces create unique lending considerations. Only 210 sales annually. ANZ location waiver (2021) covers up to $5M. We know which lenders assess heritage terraces at true market value rather than applying conservative desktop discounts.
Home Loan Services in Paddington
First Home Buyers
Units from $800K–$1.05M. Some under $800K qualify for stamp duty exemption. First Home Guarantee covers up to $900K. Most first home buyers target the unit market.
Refinancing
7.2% growth builds equity fast. A terrace at $2.5M three years ago is now ~$3.1M — over $600K equity. On a $2M loan, 0.5% saves $10,000/year.
Investment Loans
2.4% yields with 7.2% capital growth. Heritage streetscape and Centennial Park proximity ensure persistent demand from affluent tenants. Units at $1.05M offer better entry.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers in Paddington. Whether you're a business owner, sole trader, or contractor — we know which lenders assess income flexibly and how to present your application for the strongest result.
Suburb Profile — Paddington
Paddington (2021), Eastern Suburbs, ~12,600 pop. Victorian terraces, boutique apartments. Transport: Oxford Street buses, Edgecliff Station nearby. Lifestyle: Five Ways, Paddington Markets, Centennial Park, Oxford Street galleries.