01
Buying an apartment or townhouse in Hornsby
If a property is part of a strata scheme, include ownership costs in your household budget alongside repayments. Ask about levies, planned work and the records your conveyancer or solicitor recommends reviewing.
The NSW Government’s strata buying guide explains why by-laws, strata records and inspection reports matter. These are property checks, separate from the lender’s assessment. A loan approval does not replace them.
02
Keep the address in the finance conversation
When you have a property in mind, share the listing and relevant details with your broker through the channel they arrange. Ask whether there is anything about the proposed purchase that needs checking before you proceed.
If you are also looking in Waitara or Asquith, keep the details for each property separate. Compare the likely ownership costs and your practical needs, rather than assuming every property within the same price range has the same ongoing budget.
03
For Hornsby homeowners planning a change
You might be reviewing your current home loan, looking for more space or considering a different type of property. Explain the change you want to make and the timeframe behind it.
TSA can help you organise the lending questions: what you currently owe, which features matter to you and what needs assessment for the next step. Use the repayment calculator for an initial estimate, then bring your questions to a conversation.
Questions about Hornsby home loans
Should I include strata levies when thinking about repayments?
Yes. Allow for relevant property ownership costs as part of the household budget. Ask your solicitor or conveyancer about the scheme’s documents and any costs that need closer investigation.
Does pre-approval cover every Hornsby property?
No. Pre-approval is conditional, and the lender still needs to assess the property and your circumstances before final approval. Check the relevant conditions with your broker.