Chatswood vs MosmanTwo Sydney suburbs compared for a home loan
Chatswood (NSW 2067) is approximately 10 km north of the Sydney CBD. Mosman (NSW 2088) is approximately 8 km north-east of the Sydney CBD, on Sydney Harbour. At the 2021 Census, Chatswood had 25,553 residents with a median age of 37, and Mosman had 28,329 residents with a median age of 45.
In both suburbs the most common occupied dwelling was flats and apartments. Flats and apartments made up 68% of occupied dwellings in Chatswood and 52% in Mosman, while 51% of Chatswood households rented compared with 33% in Mosman. These differences matter for finance, because lenders assess apartments, strata buildings and houses on land differently.
Both suburbs are in the same state, so transfer duty is calculated on the same scale and the difference in upfront cost comes from the purchase price. The panel below applies that scale, and an estimate of lenders mortgage insurance, to the prices you enter.
NSW 2067 · Lower North Shore
Chatswood
A guide to buying in Chatswood, a Lower North Shore centre and rail and metro interchange, covering towers, period homes, strata and lending.
Willoughby City Council. Approximately 10 km north of the Sydney CBD.
Read the full Chatswood guideNSW 2088 · Lower North Shore
Mosman
Mosman is a harbour municipality of 28,329 residents where apartments hold 52.0 per cent of homes and mortgage repayments reach $3,870 a month.
Mosman. Approximately 8 km north-east of the Sydney CBD, on Sydney Harbour.
Read the full Mosman guide
What buying in Chatswood and Mosman would mean for the loan
The difference between two suburbs is usually a difference in price, and price drives the deposit, the transfer duty, any lenders mortgage insurance and the repayment. Enter the prices you are seeing and the panel works out each of those for Chatswood and Mosman.
Your prices and deposit
Enter the price you are seeing in each suburb. BorrowWise does not quote prices, so the comparison uses yours.
- Loan amount
- $3,090,000
- Loan to value ratio
- 96.9%
- Transfer duty, New South Wales
- $156,737
- Lenders mortgage insurance
- Deposit under 5%
- Upfront cash needed
- $259,737
Enter a price for Mosman to see the repayment, transfer duty and upfront cash.
Warning: The interest rate used here is an example only. It is not a comparison rate and is not a rate offered by any lender, and it does not include fees and charges. Different rates, terms, fees or loan amounts will give a different result.
Estimates only. Repayments assume a principal and interest loan at a constant rate, which is an assumption and not a current market rate. Transfer duty is indicative for established homes, first home buyer relief depends on eligibility, and upfront cash includes an allowance of $3,000 for conveyancing and inspections. Lenders mortgage insurance is an estimate and is added to the loan. A lender makes its own assessment.
Chatswood and Mosman: Census profile compared
Figures are from the 2021 Census, so rents, repayments and incomes have moved since. They are most useful for comparing one suburb with another and with Australia as a whole.
| Measure | Chatswood | Mosman |
|---|---|---|
| People and households | ||
| Residents | 25,553 | 28,329 |
| Median ageAustralia 38 | 37 | 45 |
| Average household sizeAustralia 2.5 | 2.5 | 2.3 |
| Median household income, weeklyAustralia $1,746 | $2,158 | $2,892 |
| Housing costs at the 2021 Census | ||
| Median rent, weeklyAustralia $375 | $577 | $590 |
| Median mortgage repayment, monthlyAustralia $1,863 | $2,858 | $3,870 |
| Who owns and who rents | ||
| Households rentingAustralia 31% | 51% | 33% |
| Owned with a mortgageAustralia 35% | 20% | 26% |
| Owned outrightAustralia 31% | 26% | 39% |
| Types of home | ||
| Separate housesAustralia 72% | 28% | 35% |
| Townhouses, terraces and semi-detachedAustralia 13% | 4% | 12% |
| Flats and apartmentsAustralia 14% | 68% | 52% |
| Homes with two bedrooms or fewer | 58% | 46% |
| Homes with four bedrooms or more | 18% | 28% |
| Dwellings unoccupied on Census night | 12% | 11% |
Source: Australian Bureau of Statistics, 2021 Census (CC BY 4.0). Tenure shares exclude households that did not state their tenure. Dwelling shares are of occupied private dwellings.
Home loan considerations in Chatswood and Mosman
Lenders treat houses on land, townhouses and apartments differently, and some apply extra conditions to small apartments, high-density buildings or particular postcodes. These are the points each guide raises.
Chatswood
- First home buyers
- Upgraders
- Investors
- Downsizers
- Some lenders cap exposure to a single tower or apply lower loan-to-value limits to high-rise apartments in areas they regard as heavily supplied.
- Strata levies in full-service buildings are counted as living expenses and can materially reduce assessed borrowing capacity.
- Off-the-plan apartments are valued close to completion, and any shortfall against the contract price is met by the buyer.
- Very small units and serviced apartments may fall outside standard residential lending policy.
- Heritage conservation area controls limit redevelopment of some houses, which valuers take into account alongside condition.
Mosman
- Upgraders
- Downsizers
- Investors
- Median monthly repayments of $3,870 are the second highest recorded in these guides.
- Older walk-up apartment blocks can carry an impending special levy.
- Sea walls, jetties and retaining structures may be owner responsibilities.
- Harbourside houses are not directly comparable, so valuations are less predictable.
- Military Road traffic and the Spit Bridge affect practical access.
Housing stock in Chatswood and Mosman compared
Chatswood
- High-rise apartments
- Towers near the station and the edges of the commercial core, many with concierge services and shared facilities.
- Older walk-up and mid-rise units
- Earlier strata blocks with larger rooms, lower levies and ageing common property.
- Federation and interwar houses
- Detached period homes on established blocks, some within heritage conservation areas adjoining the centre.
Mosman
- Apartments
- The 6,001 flats counted at the 2021 Census, 52.0 per cent of occupied homes.
- Harbourside houses
- Separate houses numbered 4,028 at the 2021 Census, with 1,183 dwellings having five or more bedrooms.
- Townhouses
- At 1,389 dwellings, or 12.0 per cent of occupied homes at the 2021 Census.
Official sale price and rent figures for Chatswood and Mosman
Only figures published free of charge by a government agency are shown. Where none is published the space is left empty rather than filled with an estimate. Each guide charts the full series.
Chatswood
- Median dwelling price, 2026 Q1 (postcode 2067)
- $1,518,000
- Median house price, 2026 Q1 (postcode 2067)
- $3,190,000
- Median unit price, 2026 Q1 (postcode 2067)
- $1,160,000
- Median weekly rent, house (all bedrooms), 2026 Q2 (postcode 2067)
- $1,350
- Median weekly rent, 2 bedroom flat/unit, 2026 Q2 (postcode 2067)
- $950
Source: NSW Department of Communities and Justice.
Mosman
No government agency publishes a free median sale price or rent series for Mosman, so none is shown. A broker can supply recent comparable sales for a specific property as part of a free assessment.
Transport, schools and amenities in Chatswood and Mosman
Chatswood
Transport
- Chatswood Station (train)
- Chatswood Station (Metro) (metro)
- Chatswood bus interchange (bus)
- Pacific Highway (road)
- Mowbray Road (road)
Schools and campuses
- Chatswood Public School (primary, government)
- Chatswood High School (secondary, government)
- Mercy Catholic College (secondary, catholic)
- St Pius X College (combined, catholic)
Amenities
- Westfield Chatswood
- Chatswood Chase
- The Concourse
- Chatswood Library
- Chatswood Oval
- Beauchamp Park
Mosman
Transport
- Mosman Bay Wharf (ferry)
- Taronga Zoo Wharf (ferry)
- Sydney buses (bus)
- Military Road (road)
Amenities
- Balmoral Beach
- Taronga Zoo
- Military Road shops
School listings show name, level and sector only. Enrolment areas change, so confirm eligibility for a specific address with the school or the New South Wales education department.
Compare Chatswood or Mosman with another suburb
Change either suburb, or add a third.
Related comparisons
Request a free assessment: Chatswood or Mosman
An accredited mortgage broker can check your borrowing power against prices in Chatswood and Mosman, and explain how lenders treat the homes you are considering. The assessment is free of charge and carries no obligation.