Your Local Penrith Mortgage Broker
Whether you're buying your first home, upgrading, investing, or refinancing in Penrith, 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 Western Suburbs market. He understands which lenders favour Penrith properties, how to structure loans for maximum borrowing power, and how to navigate complex situations like self-employment, LMI waivers, and SMSF lending.
Penrith offers Sydney's strongest entry-level affordability — houses under $900K, units from $520K. Yield at 3.8% among Sydney's highest. Properties sell in 18 days. We arrange 48-hour pre-approvals so Penrith buyers can move fast.
Home Loan Services in Penrith
First Home Buyers
Houses from $750K–$895K in stamp duty exemption zone. Units from $450K–$520K. FHOG $10K on new builds under $600K. First Home Guarantee at 5%. Penrith is where first home buyers can buy a house, not just a unit.
Refinancing
5.5% growth on accessible prices. On a $700K loan, 0.5% saves $3,500/year. Many Penrith borrowers on rates above 6.5% — we regularly find savings of $4K–$6K annually.
Investment Loans
3.8% yields — among Sydney's highest — with 5.5% growth. Houses under $900K allow portfolio scaling. We structure for maximum portfolio expansion.
Self-Employed Borrowers
John specialises in alt-doc and low-doc lending for self-employed borrowers in Penrith. 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 — Penrith
Penrith (2750), Western Sydney, ~13,500 pop. Houses on larger lots, townhouses, newer apartments. Transport: Penrith Station T1, M4 Motorway. Lifestyle: Penrith Panthers, Nepean River, Blue Mountains gateway.