Double Bay is Sydney’s most exclusive residential address. The median house price sits at $7.28 million, with elegant homes featuring harbour views, leafy streets, private schools nearby, and immediate proximity to boutique shopping, fine dining, and the water. It’s the address for Sydney’s wealthiest buyers—corporate executives, business owners, old-money families, and international high-net-worth individuals.
We help Double Bay residents and investors navigate finance at this level. Finance here isn’t about standard mortgages, it’s about sophisticated structures: SMSF loans, private lending, equity release for investment, bridging finance for upgrades, and often cross-border asset considerations. Double Bay buyers need a broker who understands ultra-premium property finance and has access to specialist lenders who work at this scale.
The Double Bay Market Right Now
Double Bay’s market corrected recently. The median house price is $7.28 million with annual growth of -2.93% (though recent quarters show 16.67% quarterly growth, suggesting stabilisation). Sales are limited: 24 houses in the past 12 months at 56 days on market. That’s not a sign of weakness—it’s the nature of ultra-premium markets. Everything sells, but nothing moves fast because every sale is considered.
Units are more active: 103 unit sales, with median prices at $2.05 million and 2.50% annual growth. For renters or investors wanting exposure to Double Bay, units offer more accessibility.
The reality: Double Bay isn’t for price-chasing. It’s for buyers who want the address, the address, the address. Finance strategy here is about preserving wealth, not building it aggressively.
Who We Help in Double Bay
High-net-worth owner-occupiers: You’ve built significant wealth. You want the Double Bay address and the lifestyle it brings. You’re not stretched on serviceability. You need efficient finance structures that align with your broader wealth strategy. We’ll set that up.
SMSF property buyers: You’re a high-income earner or retiree with substantial superannuation. Buying property through your SMSF offers tax efficiency and asset protection. We arrange specialist SMSF loans that maximise these benefits.
Upgraders with complex situations: You’re moving from another eastern suburbs address, selling a business, or managing cross-border assets. Your finance needs are layered. We coordinate multiple lenders, settlement timings, and asset structures.
Investors seeking premium exposure: You want to own in Double Bay but as an investment, not a primary residence. We structure investment property finance with optimal tax positioning.
Refinancers and equity exploiters: You already own in Double Bay. You want to refinance at lower rates, unlock equity for investment or lifestyle spending, or restructure your loan as your situation changes. We make that seamless.
International buyers: You’re relocating to Sydney or buying as a second home. You have offshore income or assets. We know lenders who specialise in international applicant serviceability and will accept your income documentation.
Why Double Bay Demands a Specialist Broker
Banks are one-size-fits-all—they have standard products, standard serviceability criteria, and standard documentation. Double Bay buyers don’t fit that mould, which is why a specialist broker is essential.
Not all lenders will structure mortgages at $7 million. Not all will work with SMSF property loans. Not all understand international applicant serviceability or offshore income documentation. We know which lenders specialise at this level and which offer the best terms for your specific situation. We access a wide panel of 30+ lenders, including specialist ultra-premium lenders who understand large mortgages, complex wealth structures, and the needs of high-net-worth individuals.
Beyond lender access, Double Bay transactions are often layered. You might need a primary residence loan, an SMSF loan, and a private lending bridging facility—all coordinated around your settlement timeline. A bank works on a single transaction in isolation. We coordinate all the moving parts so everything happens on schedule and works together properly. We assess your full wealth picture, understand your tax positioning, and recommend structures that make sense for your broader financial strategy, not just the mortgage itself.
A Full Range of Finance, All in One Place
Home Loans
- First Home Buyers: First home buying in Double Bay is rare given the price point, but we work with high-net-worth individuals and families ready to make the step. We help you structure your loan and access the best available rates.
- Refinancing: Already own in Double Bay and want to review your mortgage? We compare your current deal against what’s available and help you refinance if a better option exists.
- Investment Property Loans: Building an investment portfolio in Double Bay requires lending structured for your tax position and wealth preservation. We arrange mortgages optimised for long-term capital growth and income positioning.
- Construction Loans: Whether you’re renovating a Double Bay property or managing a rebuild, construction finance requires specialist coordination. We arrange staged drawdowns and coordinate with your lender throughout the project.
Commercial Finance
- Commercial Property Finance: Buying commercial property for your business or as an investment requires structured finance. We arrange mortgages designed for commercial premises and your specific loan requirements.
- Business Loans: Growing your business requires capital. We arrange loans for acquisition, expansion, or operational needs.
- Working Capital: Covering operational cash flow gaps without disrupting your business is what working capital finance does. We arrange structures that match your needs.
- Debtor Finance: Money tied up in outstanding invoices slows growth. Debtor finance unlocks that cash immediately so your business doesn’t have to wait for customer payments.
SMSF Property Loans
Borrowing through a self-managed superannuation fund to acquire property is a specialist area. The lending criteria, loan structures, and compliance requirements are significantly more complex than standard residential or commercial finance. We work with lenders experienced in SMSF property lending and help you navigate the documentation, valuation requirements, and trustee obligations properly. For high-net-worth individuals, SMSF property loans can be tax-efficient and offer asset protection benefits that standard mortgages don’t provide.
Asset Finance
- Equipment Finance: Purchasing or upgrading plant and machinery for your business doesn’t require tying up cash reserves. Equipment finance lets you spread the cost and preserve your working capital.
- Vehicle Finance: Whether you’re financing commercial vehicles for a fleet or individual business vehicles, we arrange competitive rates across multiple lenders.
- Medical Equipment Finance: Medical practitioners investing in diagnostic equipment or practice assets need financing that reflects the specialised nature of the purchase. We arrange it.
- Construction Equipment Finance: Earthmoving, lifting, and site equipment for construction businesses can be financed without tying up your operating capital.
Private Lending
For situations where mainstream lenders can’t move fast enough or where standard credit criteria isn’t the right fit, private lending offers a different path. Bridging finance covers timing gaps when you’re selling one property and buying another. Second mortgages let you access equity in an existing property without refinancing your primary loan. Caveat loans are short-term, asset-backed facilities for time-sensitive situations. These are specialist products—more expensive than standard mortgages, structured around the asset rather than the borrower profile—so they’re not right for every situation. We assess your full picture before recommending private lending, and only suggest it when the benefits clearly outweigh the costs.
Let’s Work Out the Right Path for Your Situation
Finance at the ultra-premium end isn’t about rates, it’s about structure, tax efficiency, and alignment with your broader wealth goals. Whether you’re buying into Double Bay, refinancing an existing property, or working through a more complex wealth strategy involving property, we can help you figure out what’s possible and what to do next. Book a free consultation with no cost, no obligation, and no pressure. Just a clear conversation about where you’re at and how we can help you get where you want to go.
