Artarmon mortgage broker
Artarmon mortgage broker
A mortgage broker
who knows Artarmon.
Home loans in Artarmon 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 Artarmon
Each one runs a little differently here, because the house market and the unit market barely resemble each other.
First home loans in Artarmon
Units are the way in here. A house sits a long way past what most first home buyers can reach. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and Artarmon units usually sit under it while Artarmon houses do not. A family guarantor loan is the other common route in. Some jobs skip lenders mortgage insurance altogether, and with Royal North Shore close by a lot of local buyers turn out to be on those lists.
Buying your next home in Artarmon
The step from an Artarmon unit to an Artarmon 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 Lane Cove or Willoughby 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 Artarmon
Lenders count expected rent towards what you can afford, so the yield matters. Artarmon houses return close to 2%, which leaves your own income carrying most of the assessment. Units return more. Where the borrowing sits matters too, because keeping the new loan separate from the home loan keeps the picture clean later. That part touches tax, so it is worth running past your accountant early.
Refinancing an Artarmon home loan
Values here have moved a long way, so the equity in your place is probably not what it was when you last looked. That figure can fund a renovation, a deposit on the next home, or the release of a parent's home still tied to your loan as security. A refinance is also the moment the rate, the structure and the years left on the loan all get looked at again together.
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 Artarmon unit with less than a 20% deposit, and which ones are open to you depends on the building as much as on your income. We can work through it before you start looking.
About Artarmon
What the 2064 market actually looks like
History of Artarmon
William Gore was granted the land in 1810 and named it after his family's place in County Sligo, Artarman. Gore Hill next door carries his name too. Eleven parks now cover close to 8% of a suburb only two and a half square kilometres across.
Artarmon property market
Houses sit around three times what units do. In most suburbs the gap between the two is something equity and a few years can close. Here it is a different market entirely, which is why a lot of people who bought a unit in Artarmon end up buying their house somewhere else.
Artarmon property prices
Houses sit near $3.6 million, up around 8% over the past year, on a gross yield close to 2%. Units sit near $1.1 million on a stronger yield. Roughly 32 houses changed hands last year against about 147 units, so most of what trades here is apartments. Stock is thin, and a house takes around two months to sell while units move faster.
Borrowing in Artarmon
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 caps near the station and minimum floor sizes. 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 North Shore.
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.
Your broker
Meet Ali Hasani
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.
Client stories
How we helped in Artarmon
Three real situations, all of them about closing a gap that looked too wide.
Kept the unit, bought the house.
A couple in an Artarmon unit wanted a house and assumed selling was the only way to get there. Their equity and their income said otherwise. We released equity from the unit for the deposit, kept the two securities separate so the properties were not tied to each other, and set up the borrowing so each purpose sat on its own. They rented the unit out and bought the house. Because how debt is split affects tax, we worked through it with their accountant first.
Parents helped without cash.
Parents wanted to help their daughter buy her first place and did not want to give away a large sum or go guarantor. After they had spoken with their accountant we set them up as co-borrowers instead. Their equity supported the purchase and their own money went into an offset against the new loan, cutting the interest while staying theirs. Being on a loan is a real commitment, so it is a decision to make with proper guidance, and they did.
A guarantee still sitting there.
Years earlier they had used Mum and Dad's home as security to buy their first place. The property had moved a long way since and they had no idea the guarantee was still sitting there. We refinanced, released the parents' home from the mortgage, and brought the repayments down at the same time. Values here move, so it is worth checking where an old guarantee stands rather than assuming it fell away on its own. The parents found out on a phone call the same week.
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 Artarmon 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 Artarmon 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.
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.
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."
★★★★★
"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."
★★★★★
"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."
FAQ
Artarmon 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 get a home loan in Artarmon?
The order is the same as anywhere. We look at 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. What changes here is the property. A house sits at a loan size where lenders start applying their own limits. A unit is judged on the building, with density caps near the station and minimum floor sizes. So the lender that works for one is often not the lender that works for the other. We compare 35+ lenders at $0 cost to you.
Why use a mortgage broker in Artarmon?
Because Artarmon is two markets sharing a postcode. Houses sit at a price where lenders start applying their own limits, and units sit where the building matters more than you do. A bank has one answer to both. A broker checks several before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
How much deposit do I need for a first home in Artarmon?
A 20% deposit avoids lenders mortgage insurance, and at local house prices that is a very large number. Units are far more reachable. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and most Artarmon units sit under it while Artarmon houses do not. A family guarantor loan cuts the deposit a different way, and some professions skip the insurance entirely. What changes the answer most here is the property, because a lender cap on a building can mean you need more than you planned.
Can I get an Artarmon home loan with no LMI?
You may be able to. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. Some lenders drop it completely for certain jobs, and with Royal North Shore and the St Leonards health precinct next door plenty of local buyers turn out to be on those lists. A family guarantor loan is another way around it. We check every option across our panel before you commit to paying it.
Can I upgrade from an Artarmon unit to an Artarmon house?
It is a much bigger jump here than in most suburbs, because houses sit at roughly three times what units do. Equity in the unit will not close that on its own, and the borrowing capacity needed is a different order. Plenty of people who start in an Artarmon unit end up buying their house in Lane Cove, Willoughby or further up the line. Worth knowing the real number before you plan around it, and we can work it out in an afternoon.
Can I buy the next home before the Artarmon 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 thin market where the right house 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.
Does an Artarmon investment property stack up on the rent?
That depends what you buy. Lenders count expected rent towards what you can afford, so a house returning close to 2% contributes far less than a unit returning closer to 4%. Your own income carries more of the assessment on a house here, and two lenders can land a long way apart on the same purchase. A low yield does not make it a poor buy. It just means the loan has to be built around your income rather than around the rent.
Should an investment loan be interest only or principal and interest?
Both get used. Interest only keeps the repayment lower for a set period because you are not paying down the balance, then the loan switches to principal and interest and the repayment steps up. Principal and interest costs more each month and reduces what you owe from the start. Lenders also assess interest only loans more tightly, which can change what you are able to borrow. There are tax effects either way, and that part is a conversation for your accountant.
When is it worth refinancing an Artarmon home loan?
A few triggers come up here. Values have moved a long way, so the equity in your place may be well past what you think, and that can fund a renovation or a deposit on the next one. A fixed period ending is another. So is a guarantee over a parent's home still sitting there years after it was needed. Sometimes it is simply the rate. We compare what you have now against 35+ lenders and show you both answers, including the one where staying put comes out ahead.
How much equity can I use?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. That figure is what funds a renovation, a deposit on the next home, or an investment purchase. Because it moves with your valuation, and valuations differ between lenders, it is worth checking properly rather than guessing off a listing website.
Fixed, variable or split, and do I need an offset?
Fixed locks the rate for a set term, which makes the repayment predictable but limits extra repayments and can bring break costs if you exit early. Variable moves with the market and is more flexible. A split loan puts part in each. An offset is a savings account linked to the loan, and the balance sitting in it reduces the interest you are charged while the money stays yours. Redraw does something similar, except the money sits inside the loan and is harder to get back out. Which mix people land on comes down to how they use their money day to day, and we walk through the differences before anything is locked in.
Do lenders treat Artarmon apartments differently?
Some do. Larger blocks near the station can count as high density with certain lenders, which caps how much they will lend on a unit there. Studios and small one bedders can fall under a lender's minimum floor size. Older walk ups raise questions about the building rather than about you. The same apartment can be approved by one lender and declined by another.
What about homes near the industrial estate?
Artarmon is unusual on the North Shore in having a working industrial area in it. A valuer will note how close a property sits to it, and what is on the neighbouring land, because both affect how readily the place would sell again. It rarely stops a loan. What it can do is move the valuation, and the valuation is the number your loan is built on. Anything with mixed or non residential zoning on the title is a separate question again and worth checking early.
What happens if the valuation comes in under the price?
You usually find out after you are committed, because a lender will not order a valuation on a purchase until there is an exchanged contract. So the buffer has to exist before you sign, and at auction there is no cooling off to fall back on. If it lands short, a different lender uses a different valuation panel and can come back with a different number on the same property. You can also put recent comparable sales in front of them. Failing that, the gap is covered in cash at settlement.
Can I get a home loan if I am self employed?
Yes. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. The bigger issue is what gets added back. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. At Artarmon loan sizes that difference is worth a great deal, so which lender sees your file matters more than it does for a salaried buyer.
I live in Artarmon but I am buying somewhere else. Can you still help?
Yes, and it happens a lot here. Plenty of people rent or own in Artarmon and buy their house in Lane Cove, Willoughby, Roseville or well beyond the North Shore. We cover all of Sydney, so the suburb you are buying in changes nothing about how we work. Phone, Zoom and Teams, or we come to you, evenings and weekends included.
Your Artarmon mortgage broker
Your home loan.
Made simple.
Free check. No pressure. 35+ lenders compared at $0 cost to you.
Artarmon does not sit on its own. The line runs into Chatswood one way and St Leonards, Wollstonecraft, Crows Nest and North Sydney the other, and a lot of the buyers we work with are at Royal North Shore or in the towers along that stretch. When the house here is out of reach, people look east to Willoughby, Northbridge, Castlecrag and Cammeray, or further up the line at Roseville and Lindfield where the blocks get bigger. Lane Cove is a few minutes west. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.