Double Bay Property Market Update: What Buyers and Borrowers Should Know in 2026

Double Bay remains one of Sydney’s most prestigious and tightly held property markets. Known for its luxury apartments, waterfront proximity and village-style retail precinct, Double Bay continues to attract high-income owner-occupiers, downsizers and long-term investors. In 2026, buyers navigating the Double Bay property market must contend with limited stock, premium pricing and lender assessment criteria that are particularly sensitive in high-value Eastern Suburbs postcodes.

For buyers and refinancers alike, understanding both local market conditions and mortgage strategy is essential when transacting in Double Bay.

Double Bay property market insights and mortgage considerations for buyers in Sydney’s Eastern Suburbs.

Current Property Market Conditions in Double Bay

The Double Bay property market is characterised by scarcity and consistency. Boutique apartment blocks dominate the suburb, with freestanding homes rarely coming to market. Demand remains strong for well-located apartments with parking, water glimpses or proximity to the village and ferry services.

While price growth has moderated compared to previous peaks, premium properties continue to attract competitive interest. Apartments in tightly held buildings with strong owner-occupier appeal remain particularly resilient, reinforcing Double Bay’s reputation as a defensive, blue-chip Eastern Suburbs market.

Transaction volumes remain steady relative to supply, reflecting a market driven more by long-term lifestyle decisions than short-term cycles.

How the Double Bay Market Is Affecting Buyers in 2026

Buyers in Double Bay face a market where quality stock is limited and competition can escalate quickly. Many purchases are driven by lifestyle upgrades, downsizing or strategic relocations rather than necessity, which can intensify competition for well-positioned properties.

Pre-Approval in a High-Value Market

Pre-approval is essential for buyers targeting Double Bay. With property values typically above Sydney averages, understanding borrowing capacity early allows buyers to move decisively and negotiate with confidence. It also reduces the risk of delays when transactions progress quickly.

Lending Considerations for Double Bay Apartments

Lenders assess Double Bay apartments carefully due to high property values, building profiles and valuation sensitivity. Factors such as unit size, strata condition, owner-occupier ratios and comparable sales can significantly influence borrowing capacity and approval outcomes. Selecting the right lender is critical in premium markets.

Why Mortgage Broking Matters in Double Bay

Double Bay is a suburb where lender policy differences can materially affect outcomes. Some lenders apply conservative criteria to high-value apartments, while others assess risk more favourably depending on borrower profile, income structure and loan size.

Mortgage broking helps buyers align their property and financial position with lenders whose policies suit the transaction. This strategic approach helps manage valuation risk, optimise borrowing capacity and improve approval certainty in a market where small differences can have significant financial implications.

How Brampton Finance Supports Buyers in Double Bay

Brampton Finance works with buyers, refinancers and investors purchasing property in Double Bay and across Sydney’s Eastern Suburbs. By accessing a broad panel of lenders, Brampton Finance assists clients with structuring mortgage solutions that reflect both premium property characteristics and individual financial circumstances.

Clients are supported from initial strategy and pre-approval through to settlement, with a focus on clarity, confidence and long-term suitability rather than short-term rate decisions.

Thinking of Buying or Refinancing in Double Bay?

If you’re planning to buy or refinance property in Double Bay, speaking with a mortgage broker early can help clarify borrowing capacity, lender requirements and financing options before making key commitments.

To discuss your situation or request a callback, visit our Contact page and speak with a mortgage specialist.

For more information on home loan solutions, explore our Mortgage Broking services and see how Brampton Finance supports buyers across Sydney’s Eastern Suburbs and Australia.