Arncliffe mortgage broker

Arncliffe mortgage broker

A mortgage broker
who knows Arncliffe.

Home loans in Arncliffe 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 Arncliffe

Each one runs a little differently here, because Arncliffe pairs an affordable, fast growing apartment market with a smaller house market that costs three times as much.

First home loans in Arncliffe
This is one of the best gateways into the St George area for a first home, which is why priced out inner west buyers keep heading south to it. The Australian Government 5% Deposit Scheme now sits at a $1.5 million cap across Sydney, and Arncliffe and Wolli Creek units sit a long way under it, so a 5% deposit with no lenders mortgage insurance is well within reach. A family guarantor loan and professional insurance waivers are the other common routes in.
Buying your next home in Arncliffe
The step from an Arncliffe unit to an Arncliffe house is roughly three times the price, so equity in the unit rarely closes it alone. Some people stretch into a house here. Others keep the unit, rent it out and buy the house in Bexley, Kogarah or further out instead. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up the way you hoped.
Investment property loans in Arncliffe
Arncliffe is a busy rental market, close to the station, the airport and the M5, so it is well trodden ground for investors. Lenders count expected rent towards what you can afford, and units here return more than the houses, which sit on a yield close to 2.4%. The building matters too, because some lenders cap how much they will lend in a high density postcode like 2205, so it is worth checking early.
Refinancing an Arncliffe home loan
This is where most people find a quick win. Values here have climbed fast, so the equity in your place is often well past what you last checked. A refinance is the moment the rate, the structure and the years left on the loan all get looked at together, and it can fund a renovation, release a parent's home used as security, or free up a deposit for the next one.

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 Arncliffe unit with less than a 20% deposit, and which ones are open to you depend on the building as much as on your income. We can work through it before you start looking.

0426 002 202 Let's meet
About Arncliffe

What the 2205 market actually looks like

History of Arncliffe
The name was borrowed from a village in North Yorkshire, subdivided as the Village of Arncliffe Estate back in 1840. Once the vegetable garden for Sydney, then a factory belt, it now sits eleven kilometres south of the city and a few minutes from the airport, on the Illawarra line and beside the Cooks River.
Arncliffe property market
An apartment suburb first, especially the northern end around Wolli Creek station where the towers are. Units trade in far greater numbers than houses, and most of what changes hands here is a unit. The gap between a unit and a house is a wide one, which is why plenty of people who buy a unit here end up buying their house somewhere further out.
Arncliffe property prices
Houses sit near $1.95 million, up close to 9% over the past year, on a gross yield around 2.4%. One bedroom units start near $605,000 and two bedders sit near $800,000, both a long way under the first home scheme cap. New apartment stock keeps arriving around Wolli Creek, so the unit market is deep and still growing.
Borrowing in Arncliffe
Two very different conversations. On a house you are usually past the loan size where lenders start adding their own checks and trimming how much they will lend. On a unit it is the building that decides it, with high density caps in the 2205 postcode and questions about new or off the plan stock. Send us the address before you offer and we will tell you which one you are in.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across the St George area.

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 Arncliffe, 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 Arncliffe

Three real situations, all of them about closing a gap that looked too wide.

First home, smaller deposit, no guarantor.

They assumed a family guarantor was the only way into an Arncliffe apartment with a 10% deposit. We checked their profession against our panel and found a lender who waived the lenders mortgage insurance outright. They bought without asking anyone else to put their own home on the line, and kept the rest of their savings back for the move and a buffer. The job you do can change the deposit you need, and it is worth checking before you assume the worst.

Restructured the debt, lifted the borrowing.

He wanted an investment unit near the station and his borrowing capacity was the blocker. He also had a large sum sitting in offset against his home. Using it as a deposit would not have moved his capacity much, but restructuring the debt did, and lifted what he could borrow on the investment considerably. There were tax implications to that structure, which he worked through with his accountant before anything went ahead.

A rate review became a reset.

They came to us wanting a sharper rate. Going through the file, we found they were paying for several products they were not using, and a lender that had not looked at their pricing in years. We consolidated it into one loan and negotiated the rate. Their repayments came down considerably, most of it from the rate, with the loan term left where it was so the saving was real rather than borrowed from later.

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 an Arncliffe 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 Arncliffe 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 St George Hospital in Kogarah is a short drive 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

Arncliffe questions, answered

Buying your first home, buying your next home, buying an investment property, or refinancing the loan you already have. The questions that come up for each one.

How do I buy my first home in Arncliffe?
Arncliffe is one of the easier ways into the St George market for a first home, which is why so many buyers priced out of the inner west look here. We start with your income, your debts and your deposit, work out what lenders will count, then get you pre-approved so you know your number before you bid. The Australian Government 5% Deposit Scheme now sits at a $1.5 million cap across Sydney, and Arncliffe and Wolli Creek units sit well under it, so a 5% deposit with no lenders mortgage insurance is realistic. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Arncliffe before my current one sells?
Yes, with bridging finance. It is short term borrowing secured over both properties that funds the purchase while the old place is still on the market, and the interest usually builds up rather than being paid each month. It ends when the sale settles. Buying first suits a market where the right place does not come up often. Selling first means you know your number before you bid. Which way round people choose comes down to their own position rather than a rule, so it is worth pricing both.
When is it worth refinancing an Arncliffe home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is a rate that has not been looked at in years, or a guarantee over a parent's home still sitting there long after it was needed. Values here have climbed fast, so the equity in your place may be well past what you think. We compare what you have now against 35+ lenders and show you both answers, including the one where staying put comes out ahead. If a switch does not save you anything, we will tell you.
Can I refinance to a sharper rate and unlock equity at the same time?
Often, yes, and they pair up well. A refinance is the natural moment to move to a lower rate and release some of the equity you have built, in the one application. Usable equity is roughly 80% of what your place is worth today, less what you still owe. That freed up amount can fund a renovation, a deposit on the next home or an investment. The catch is the valuation, which differs between lenders, so the lender with the sharpest rate is not always the one that values your place highest. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Arncliffe using equity instead of cash?
Yes, and it is one of the most common reasons people call us. Instead of a cash deposit, we release equity from a property you already own and use that as the deposit and costs on the investment, keeping the two securities separate so the properties are not tied to each other. Lenders count expected rent towards what you can afford, and Arncliffe units near the station and the airport rent well. How the borrowing is split affects tax, so that part is worth running past your accountant before anything goes ahead.
Do you offer digital appointments and evening or weekend meetings?
Yes. We meet by phone, Zoom and Teams, and we can come to you as well. Appointments run in the evenings and on weekends, not just business hours, so the whole loan can be done around work without taking a day off. You can send documents through securely and sign electronically, so wherever you are in Arncliffe or beyond, distance changes nothing about how we work.
Can refinancing actually lower my monthly repayments?
It often can, and there is usually more than one lever. A sharper rate is the obvious one. Resetting the loan term can bring the monthly figure down as well, though it stretches the loan out, so we show you what that trade costs over time. Dropping products or fees you are paying for and not using helps too. We compare your current loan against 35+ lenders, and if the repayment comes down we show you exactly where the saving comes from rather than just quoting a number.
Can I refinance to consolidate debts or restructure my loans?
Yes. Rolling a car loan, a personal loan or a couple of cards into the home loan can bring the total monthly cost down, because the home loan rate is usually far lower. Restructuring can also lift your borrowing capacity, which matters if a purchase is the next step. The thing to watch is the loan term, since spreading a short debt over a long loan can cost more in the end even at a lower rate, so we structure it to avoid that and show you the numbers first.
My fixed or interest only period is ending. Can refinancing help?
Yes, and this is one of the best moments to look. When a fixed term ends the loan usually rolls to a higher variable rate, and when an interest only period ends the repayment can jump sharply as it switches to principal and interest. Both are common on Arncliffe investment units. A refinance lets us shop the whole panel for a sharper rate before the change lands, and where it fits, restructure or stagger the loan so the step up does not hit all at once. It is worth starting a couple of months before the date rather than after.

Your Arncliffe 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

Arncliffe sits at the northern edge of the St George area, and it does not sit on its own. Its high rise end runs straight into Wolli Creek, and the line carries on to Rockdale and the St George hub at Hurstville, with Kogarah and its hospital a stop or two along. When a house here is out of reach, people look toward Bexley where the blocks get bigger, or down to the bay at Brighton-le-Sands, Monterey and Sans Souci, or further out to Mortdale, Oatley and Penshurst. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.