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

Kensington has emerged as one of Sydney’s most strategically positioned Eastern Suburbs property markets. Located near UNSW, the Randwick health precinct and key transport corridors, Kensington attracts a strong mix of owner-occupiers, first-home buyers and long-term investors. In 2026, buyers and refinancers navigating the Kensington property market face steady demand, evolving housing stock and lending considerations that reward a well-structured mortgage strategy.

Understanding how the Kensington market is performing — and how mortgage policy applies to apartments, townhouses and freestanding homes — is essential when buying or refinancing in this high-engagement suburb.

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

Current Property Market Conditions in Kensington

The Kensington property market is characterised by consistent turnover and diverse buyer demand. Apartments form a significant portion of housing stock, supported by proximity to UNSW, light rail access and major employment hubs. Freestanding homes and townhouses are more limited in supply and tend to attract strong competition when listed.

Buyer interest remains strong for well-located apartments in established buildings, particularly those close to transport and campus precincts. While price growth has moderated from previous peak cycles, quality properties continue to perform well due to sustained demand and relative affordability compared with nearby coastal suburbs.

Kensington continues to function as a key transition market for buyers moving from renting to ownership in Sydney’s Eastern Suburbs.

How the Kensington Market Is Affecting Buyers in 2026

Buyers in Kensington face a market where preparation and lender selection matter. Apartments and townhouses that are priced appropriately often move quickly, particularly those appealing to owner-occupiers rather than purely investor stock.

Pre-Approval in a University-Driven Market

Pre-approval is essential for buyers targeting Kensington. With regular listings and competitive conditions, having finance confirmed in advance allows buyers to act decisively and negotiate with confidence. It also reduces delays once contracts are exchanged.

Lending Considerations for Kensington Apartments

Lenders assess Kensington apartments carefully, particularly in buildings with higher density or investor concentration. Factors such as unit size, strata condition, owner-occupier ratios and valuation outcomes can materially affect borrowing capacity and approval certainty. Selecting the right lender is critical in this segment of the market.

Why Mortgage Broking Matters in Kensington

Kensington is a suburb where lender policy differences can significantly affect outcomes, especially for apartment buyers and first-home purchasers. Some lenders apply conservative criteria around density and postcode exposure, while others offer more flexibility depending on borrower profile and loan structure.

Mortgage broking helps buyers align their property and financial position with lenders whose policies suit the transaction. This strategic approach improves approval certainty and helps buyers compete effectively in a fast-moving, mixed-use market.

How Brampton Finance Supports Buyers in Kensington

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

Support is provided 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 Kensington?

If you’re planning to buy or refinance property in Kensington, 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.