Lend Local Co is a local broker team that compares home loans from 70+ lenders for first home buyers, refinancers, investors and builders across the Blue Mountains, Penrith, the Hawkesbury and the rest of NSW. We find the loan that fits your life, do the paperwork and stay with you after settlement. The lender pays us, so our advice costs you nothing.
A local broker will call you within 1 business hour. No fees, no obligation.
Every borrower's situation is different, so we start with yours and work back to the lender. Pick the one that sounds like you, or call and we'll work it out together.
Low deposit options, the 5% Deposit Scheme and NSW stamp duty concessions, explained in plain English so you know what you can buy and when.
First home buyer loans →
A free health check of your current loan against 70+ lenders. We only recommend switching when the numbers stack up after costs.
Refinance your home loan →
Interest only or principal and interest, using equity, and structuring for tax and future borrowing power. We work alongside your accountant.
Investment property loans →
Know your real borrowing power before you start house hunting, so you can bid at auction or make an offer with confidence.
Get pre-approved →Sole traders, contractors and business owners. We know which lenders accept BAS, accountant letters and alt-doc, and how to present your income.
Self-employed home loans →Use family equity to buy sooner and avoid LMI, with clear guidance for both you and your guarantor on the risks and how they get released.
Guarantor home loans →Building or knocking down and rebuilding. We line up a lender that suits your build and manage the progress payments with your builder.
Construction loans →
Car, personal, business, commercial, asset finance, SMSF and trust lending. Same team, same process, same no-fee advice.
See other loans →Run the numbers first. Check your borrowing power, your repayments and how much extra repayments could save you.
Use our calculators →The big banks each have one set of rules. With 70+ lenders, there's usually one whose rules suit you. These are the questions we help with most.
You don't always need 20%. Eligible first home buyers can buy with a 5% deposit and no lenders mortgage insurance under the Australian Government's 5% Deposit Scheme, and a family guarantor can bring the deposit down further. Outside the schemes, many lenders accept 5 to 10% with LMI added to the loan.
We'll show you the trade-off in dollars: buying sooner with a smaller deposit versus saving for longer.
First home buyer loans →With an interest only loan you pay just the interest for a set period, usually one to five years, then switch to principal and interest. Repayments are lower at the start, but you pay more interest over the life of the loan and the repayments jump when the period ends.
Investors use it most for cash flow and tax reasons. We'll model both options side by side so you can see the real cost.
Investment loans →A past default, a few late payments or a patchy credit file doesn't automatically rule you out. Some lenders on our panel look at the story behind the score and how you've managed money since.
We'll tell you straight what's realistic now, what it will cost, and what to tidy up first if waiting six months would get you a much better rate.
Talk to us in confidence →We're based in the Blue Mountains and the Hawkesbury and write home loans right across NSW, with phone and video appointments for anyone who can't get to an office. NSW buyers can also get stamp duty exemptions or concessions under the First Home Buyers Assistance Scheme, which we factor into your budget from day one.
Blue Mountains · Penrith · Western Sydney · HawkesburyRates matter, but so does the property. Almost all of the Blue Mountains is bushfire-prone land, and a lot of the Hawkesbury sits under flood overlays. Both change how lenders, valuers and insurers treat a home. We know which lenders are comfortable with what, so a good property doesn't fall over at valuation.
You deal with the same people from your first chat to the day you get the keys, and we review your rate every year after that.
The lender pays us once your loan settles, and commissions are broadly the same across our panel. We've no reason to push one bank over another.
We come back with two or three real options and explain the rate, repayments, features and total cost of each before you sign anything.
No jargon and no surprises. Just clear advice and a clear plan from your first call to well beyond settlement.
We get to know your goals, your situation and the kind of loan you actually need. No commitment, no pressure.
We compare 70+ lenders and come back with two or three real options, explained in plain English.
We handle the paperwork, chase the lender and keep you posted the whole way. You sign and we do the rest.
We don't disappear once your loan settles. We review your rate every year and we're a phone call away if things change.
We're a small, tight-knit team of mortgage brokers who live and work in the same community you do. When you ring, you get someone who knows your name and your file.
Lend Local Co is led by principal broker Justin Leaney, a Blue Mountains local with over 15 years in lending, and our brokers are MFAA members.
A small team who really cares about getting you the best loan possible.
With over 15 years in lending, Justin is a trusted Blue Mountains local who brings clear advice, calm confidence and a people-first approach to every loan.
The go-to finance pro who'll crack a complex lending knot with the same gusto she brings to laughing with the team.
The "Pocket Rocket" broker who fuels results with coffee and charm, and keeps her clients winning.
Patrick looks after asset and equipment finance for self-employed clients, from application through to approval.
The glue of the operation, bringing 20+ years of industry savvy and strategic support to the team.
Come in for a coffee and a chat about your home loan, or we can do it all by phone or video if that's easier.
39e Park St, Glenbrook NSW 2773
Walk-ins welcome · 02 4744 2054
4 Christie Street, Windsor NSW 2756
By appointment · 02 4504 8875
We also help home buyers in Penrith, Western Sydney and across the Blue Mountains, out to Lithgow and Bathurst.
We can get your new loan sorted, fill out the form or call us on the number below !
