Apartments under $800,000
Many Blacktown apartments sell under $800,000, so eligible first home buyers can pay no NSW stamp duty and use the 5% Deposit Scheme to avoid mortgage insurance.
Mortgage broker for Blacktown.
Blacktown has some of Western Sydney's best value homes, strong rental demand and excellent train links. Whether it's a first apartment, a family house or an investment, we compare 50+ lenders to find the right fit.
- Council
- Blacktown City Council
- Postcode
- 2148
- Homes
- Older houses on larger blocks, townhouses and apartments
- Getting around
- Blacktown station (T1 and T5 lines) and Westpoint shopping centre
Blacktown is a mix of older houses on large blocks, newer townhouses and apartments close to the station. Larger blocks also attract buyers planning a granny flat or a knockdown-rebuild.
How we help in Blacktown
Rental demand near the station
Units and houses near the station rent well. We check how each lender counts the rent and whether a new build or an established home suits your plans under the June 2026 negative gearing changes.
Granny flats and knockdown-rebuild
Building on a large block needs a construction loan. We help you fund it with equity or a new loan and line up the progress payments.
Self-employed, visas and past credit issues
Every lender has different rules. We match your situation to a lender whose policy fits.
First home buyers in Blacktown
Blacktown is one of the most accessible markets in Sydney for first home buyers. Many apartments sell under $800,000, where eligible first home buyers pay no NSW stamp duty. Many houses are also within the 5% Deposit Scheme's $1.5 million Sydney cap. See the first home guide →
How we work with you
- Appointments in person, by phone or by video
- Evening and weekend appointments
- We compare 50+ lenders and explain the trade-offs
- Our home loan service is usually free to you; lenders pay us when your loan settles
Common questions from Blacktown clients
Can I buy with a 5% deposit in Blacktown?
Yes, if you're eligible for the 5% Deposit Scheme and the price is within the $1.5 million cap. You also need money for costs, though first home buyers under $800,000 pay no stamp duty.
Can I build a granny flat with my home loan?
Yes. Many lenders let you release equity or use a construction loan. Some will count the expected granny flat rent, which helps your borrowing.
I'm self-employed. Can I still get a loan?
Usually yes. Some lenders accept one year of tax returns or other evidence of income. See our complex scenarios page for more.
Nearby areas
General information only, not credit or financial advice. Government scheme and duty figures are as at 1 July 2026; check current details with Revenue NSW and Housing Australia. Every lender has its own criteria and approval is never guaranteed.
Buying or refinancing in Blacktown?
Book a free chat. We'll work out your options and what you can borrow.