At the 2021 Census, 46% of homes in St Andrews were owned with a mortgage (NSW: 33%), 29% were owned outright and 23% were rented. The median mortgage repayment was $2,000 a month and the median rent was $400 a week. With more homes under a mortgage than the NSW average, a regular loan review is worth doing for many locals.

Home ownership figures: ABS 2021 Census, St Andrews Suburb and Locality, used under CC BY 4.0. Mortgage broker figures from BrokerScore, updated October 2026.

Buying your first home in St Andrews

St Andrews is in the $1,500,000 price cap area for the Australian Government 5% Deposit Scheme (Sydney and NSW regional centres). Eligible first home buyers can buy up to that price with a 5% deposit and no lenders mortgage insurance.

New South Wales grants and concessions

No transfer duty on new or existing homes up to $800,000, and reduced duty up to $1 million.
No duty on vacant land up to $350,000, and reduced duty up to $450,000.
A First Home Owner (New Homes) Grant is available for eligible new homes. Check Revenue NSW for the current amount and caps.

General information only, checked 9 October 2026. Sources: 5% Deposit Scheme price caps, New South Wales. Eligibility rules apply, so confirm with a mortgage broker.

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Mortgage broker St Andrews FAQs

How many mortgage brokers are there in St Andrews?

There is 1 mortgage broker on BrokerScore based in St Andrews or serving the area, plus 95 more within 10 km.

Who are the top rated mortgage brokers in St Andrews?

By BrokerScore, the top rated mortgage brokers in or near St Andrews are Loan Market Narellan (6.7), Mortgage Choice Campbelltown - Theresa Casanova (6.7) and Navigator Home Loans (6.6). BrokerScore is a rating out of 10 that reflects reviews and how well a mortgage broker looks after the people who contact them. Mortgage brokers can’t pay to change it.

How much does a mortgage broker cost in St Andrews?

Most mortgage brokers in St Andrews don’t charge you for a standard home loan. They’re usually paid a commission by the lender once your loan settles. Some charge a fee for complex loans, so ask upfront. Every mortgage broker must give you a credit guide that explains how they’re paid and any fees.

What’s the average mortgage repayment in St Andrews?

At the 2021 Census, the median mortgage repayment in St Andrews was $2,000 a month, and 46% of homes were owned with a mortgage. Interest rates and prices have changed since then, so a local mortgage broker can work out what repayments would look like for you today.

What is the 5% Deposit Scheme price cap in St Andrews?

St Andrews falls under the $1,500,000 price cap that applies in Sydney and NSW regional centres. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy up to this price with a 5% deposit and no lenders mortgage insurance. Some suburbs span more than one postcode, so confirm with a participating lender or mortgage broker.

Should I use a mortgage broker or go straight to my bank?

A bank can only offer its own home loans. A mortgage broker compares loans from the lenders on their panel. They must act in your best interests, and they handle the paperwork through to settlement.

How do I choose a mortgage broker in St Andrews?

Compare BrokerScores and read recent reviews, check they help with your situation (for example first home buyers, refinancing or self-employed borrowers) and see which lenders they work with. Ask how they’re paid and how many lenders they’ll compare for you. You can message any mortgage broker on this page for free.

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