Annandale mortgage broker

Annandale mortgage broker

A mortgage broker
who knows Annandale.

Home loans in Annandale for your first home, your next home, an investment or a refinance. We compare 35+ lenders and it costs you nothing.

35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
What we help with

Four reasons people call us in Annandale

Each one runs differently here, because Annandale is a heritage terrace suburb close to the city, where grand Victorian homes sit alongside units and smaller terraces.

First home loans in Annandale
In Annandale a first home is usually a unit or a smaller terrace, because the grand Victorian terraces run well into the millions. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Annandale units sit under it. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down close to the city.
Buying your next home in Annandale
The step in Annandale is often from a unit or small terrace up to a full family terrace, and both trade in good numbers here. Some people upgrade within Annandale as families grow. Others keep the first place, rent it out and buy the terrace nearby in Leichhardt, Lilyfield or Rozelle. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the two settlements will not line up.
Investment property loans in Annandale
Annandale rents steadily thanks to the city, the universities and the Inner West lifestyle, with unit yields around 3% while houses return closer to 2.5%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work, while a terrace leans more on your income. Character terraces and converted flats can have title quirks that affect lending. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing an Annandale home loan
House values here have grown, so the equity in your place may be more than you last checked, and terrace renovations are common. That equity can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security on your loan. A refinance is also the one moment the rate, the structure and the years left on the loan all get looked at together, which almost never happens if you leave the loan where it is.

Whichever one brought you here, the first conversation is the same. We look at where you are now, then show you what each lender on our panel would do with it.

Thinking about
your first home?

There are a few ways into an Annandale unit or smaller terrace with less than a 20% deposit, and some suit this market better than others. We can walk you through them before you start inspecting.

0426 002 202 Let's meet
About Annandale

What the 2038 market actually looks like

History of Annandale
Annandale was laid out in the 1870s on the estate of George Johnston, named after his birthplace in Scotland. It is known for its grand Victorian terraces, including the landmark Witches' Houses on Johnston Street, its wide boulevard, and a village feel close to the city, the bay and the universities.
Annandale property market
Annandale is a heritage terrace market. Grand Victorian and Federation terraces on leafy streets trade steadily, alongside a pool of units and smaller homes that give first buyers and investors a way in. The character housing, the closeness to the city and the Inner West lifestyle keep demand firm across both ends.
Annandale property prices
Houses sit around $2.4 million, with roughly 148 sold in a year, a liquid market for the area. Units are far more reachable, near $930,000, and trade steadily too. House yields sit around 2.5% and units a little higher, so the unit market is the more accessible and income friendly end here.
Borrowing in Annandale
On a terrace you are often near the loan size where lenders start adding their own checks, and heritage terraces can have quirks, narrow frontages, shared walls, the odd company title conversion, that some lenders weigh differently. On a unit the building decides it. Send us the address before you offer.

Whether it is a terrace or a unit, we know which lenders are comfortable with each, here and across the Inner West.

Ready for the
next home?

Selling first or buying first changes almost everything about the loan. We can map out every step of the journey.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Annandale, based in Ryde

Founder & mortgage broker

MFAA
Member
Former CommBank
Lender
10+ years
Experience

Ali Hasani is the founder of Buyvest. He has worked in home loans for more than ten years, a lot of it at Commonwealth Bank. We meet clients face to face, or by phone, Zoom and Teams, at night and on weekends as well as work hours. We take your loan to 35+ lenders, compare the numbers, and show you the options. Ali is an MFAA accredited broker with a Diploma of Finance and Mortgage Broking Management and a Post Graduate in Accounting.

Looking at an
investment property?

Rent counts towards what you can borrow, and two lenders can land a long way apart on the same purchase.

0426 002 202 Let's meet
Client stories

How we helped in Annandale

Three real situations, each one that moved from stuck to sorted with the right lender.

The scheme they already qualified for.

A couple renting in Annandale had saved a 5% deposit and assumed years more waiting lay ahead. What they had not realised was that they were eligible for the Australian Government 5% Deposit Scheme, which let them buy an Annandale unit with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for moving costs and a buffer. The wait they had braced for simply did not need to happen.

A terrace that needed the right lender.

They were buying a narrow Victorian terrace in Annandale, and their own bank was cautious about the frontage and an old title quirk. Nothing was wrong with the buyers or the home. We took the file to a lender comfortable with heritage terraces of that kind, which valued it properly and funded it without fuss. The character that gave one bank pause was routine for another. On terraces, the right lender makes the difference.

Equity that funded the reno.

An owner wanted to renovate their Annandale terrace and assumed they would need to save for years. On review, their home had grown in value and there was usable equity sitting in it. We refinanced to a sharper lender and structured the loan so the renovation was funded from that equity, with an offset to keep the interest down. The renovation they thought was years away started that year.

These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.

Free guides

What to know before you buy

Three free guides covering how a Annandale purchase actually runs, from pre-approval to settlement.

Home loan pre-approval

What it covers, and how long it lasts.
Read the guide

Choosing a home loan

Fixed, variable, offset and redraw.
Read the guide

Settlement day

What has to be ready before then.
Read the guide

Read the free guides in the Loan Vault to know how the home buying process works in NSW.

What we do

Home loans in Annandale for every plan

First home
Learn more
Next home
Learn more
Investment property
Learn more
Refinancing
Learn more
Construction loans
Learn more
Bridging loans
Learn more
Guarantor loans
Learn more
No LMI and waived LMI
Learn more
Self employed home loans
Learn more

Not sure where to start? See what a Sydney mortgage broker does.

When did you last
check your rate?

We compare your current home loan against 35+ lenders. If a refinance saves you money we will show you the numbers, and if it does not we will tell you that too.

0426 002 202 Let's meet
Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and Royal North Shore is a few minutes away. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.

Home loans for
Doctors
Learn more
Home loans for
Dentists
Learn more
Home loans for
Accountants
Learn more
Home loans for
Lawyers
Learn more

Not sure if your job is on a list? See No LMI and waived LMI home loans, or ask us and we will check every lender on our panel.

Plan ahead

Run the numbers

Free tools that show you where you stand right now.

Property deposit
calculator

Work out the deposit you need for the area you are looking at.
Calculate

Mortgage repayment
calculator

See what your repayments look like at different rates.
Calculate

Home equity
calculator

See how much equity you could use in the home you own now.
Calculate
How it works

Three steps to your loan

1

Financial health check

2

Get pre-approved

3

Settle, then stay in touch

Client reviews

5.0 ★★★★★ on Google

Reviews from clients across Sydney.

★★★★★
"Ali is an excellent broker who truly knows his numbers. He made the entire process of securing two investment loans incredibly smooth and stress-free. What really sets him apart is the valuable advice he provides not just about loans, but also about making safe and smart investments."
Verified Google review
★★★★★
"Ali was very professional and was able to help with our complicated loans to refinance. He kept us up to date throughout the process and made sure my wife and I understood everything before signing and that we had no issues after settlement."
Verified Google review
★★★★★
"Ali is our trusted advisor for many years. He responds swiftly and honestly. He is the best in working out options for loans. He goes above and beyond to get the best outcome for the customers."
Verified Google review
FAQ

Annandale questions, answered

First home, next home, refinancing, accessing equity, investing, and how our digital appointments work. The essentials, then a quick call to get the current detail.

Can you help me buy my first home?
Yes. In Annandale a first home is often a unit or a smaller terrace, because the grand Victorian terraces run well into the millions. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a number of Annandale units sit under the scheme's property price cap. Which options apply depends on your income, your job and the property, and those rules change over time, so the best next step is a quick call where we go through your situation and tell you exactly where you stand today.
Can you help me buy my next home?
Yes. In Annandale the step is often from a unit or small terrace up to a full family terrace, and both trade in good numbers, so the move is on the table. Some people upgrade within Annandale, others keep the first place as a rental and buy nearby in Leichhardt or Lilyfield. Whether you sell first or buy first changes how the loan is built, and bridging finance covers the gap when timing does not line up. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. Annandale has seen strong growth, so a loan you arranged some time ago may well have drifted off the pace, and refinancing is the point to weigh the whole thing at once, the rate, how it is structured and the years still to run, rather than the headline figure alone. Since rates and lender rules keep moving, a number quoted today ages fast, so the practical step is a call where we hold your loan up against 35+ lenders and tell you plainly whether a switch is worth making.
Can you help me access equity or get a better rate?
Yes. If your Annandale home has grown in value, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently turns up a sharper rate along the way. Terrace renovations are common here, and equity is a common way to fund them. How much is usable depends on a current valuation and your position, so the most useful thing is a quick call where we work out what is genuinely available to you today rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. You can fund an investment from cash, from equity built up in a property you already own, or a blend of the two, and getting the setup right matters both for clean finances and for the tax outcome later. Annandale's apartments, with reliable demand from the city and universities close by, make a genuine investment option, and your equity here can equally buy in another area. Bring your accountant in on the tax and us in on the lending, so the structure is sound from day one.
Do you offer digital appointments and virtual meetings?
Yes. A good number of Annandale clients run the whole thing remotely, by phone or over Zoom or Teams, which slots around work and family without anyone travelling. Every stage can go that way if you like, from the first chat right through to settlement, with documents signed securely online. Would you rather meet in person? We will come to you, weeknights and weekends included. Reach out and we will set it up whichever way suits you best.

Your Annandale mortgage broker
Your home loan.
Made simple.

Free check. No pressure. 35+ lenders compared at $0 cost to you.

0426 002 202 Let's meet

Annandale does not sit on its own. It sits between Glebe and Leichhardt, with Rozelle and Lilyfield on the Balmain peninsula to the north and the city just across the bay. Balmain sits out on the point, and the Inner West runs on through Petersham and Stanmore. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.