Artarmon mortgage broker

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Artarmon mortgage broker

A mortgage broker
who knows Artarmon.

Two markets sharing one postcode, and lenders treat a $3.6 million house nothing like a $1.1 million unit. We compare 35+ lenders and it costs you nothing.

35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
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 on a yield under 2%. Units sit near $1.11 million on a yield closer to 3.7%. Stock is thin and it moves, about a month on market with roughly six weeks of inventory. Right now there are around four apartments listed for every house.
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 it is.

Artarmon sits in our North Shore area. Nearby we also cover Chatswood, Lane Cove, St Leonards and Willoughby.

Buying a house
at these numbers?

Send us the address before you bid and we will email you a free RP Data property report. We can also talk through how lenders on our panel tend to look at loans of that size.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Artarmon, 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.

Is the house here
actually out of reach?

Often it is the structure rather than the income. We can work through what the numbers actually look like before you rule it out.

0426 002 202 Let's meet
Client stories

How we helped in Artarmon

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

Good income, wrong setup.

A couple with strong income and plenty of equity kept being told they could not borrow enough for the house they wanted. Their position was fine. The loans were the problem, with deductible and non-deductible debt sitting in the same place and equity tied across more than one property. We refinanced, separated the securities and built a split for each purpose. That gave them the capacity. 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 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. The money mattered less than the phone call telling the parents their house was no longer tied to it.

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 for every Artarmon plan

First home
Learn more
Next home
Learn more
Refinancing
Learn more
Construction loans
Learn more
Guarantor loans
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

Artarmon questions, answered

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.
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.
Are large loans assessed differently?
Not harder, but they are looked at more closely. Past certain loan sizes some lenders add extra checks, want more documentation, cap how much of the value they will lend, or apply their own internal limits. Others barely change their process. At Artarmon house prices most buyers are in that territory, so knowing which lenders are comfortable at what size saves weeks and sometimes saves the purchase.
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.
The rental yield here is low. Does that affect my loan?
If you are buying to invest, yes. Lenders count the expected rent towards what you can afford, so a property returning under 2% contributes far less than one returning 5%. That means your own income carries more of the assessment, and two lenders can land a long way apart on the same purchase. It does not make it a bad buy, it just means the loan has to be built around your income rather than the rent.
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.
How much deposit do I need in Artarmon?
A 20% deposit avoids lenders mortgage insurance, and at local house prices that is a very large number. Units are a different story and far more reachable. Some professions can skip the insurance entirely, and a family guarantor loan can cut the deposit further. What changes the answer most here is the property itself, because a lender cap on a building or on the loan size can mean you need considerably 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 are on those lists. A family guarantor loan is another way to avoid it. We check every option across our panel before you commit to paying it.
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.
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 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.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans, its own valuation panel and its own rules. At these loan sizes a single lender's internal limit can be the whole difference between yes and no, and you usually find out after you have applied and paid for a valuation. A broker checks it against many lenders first. Buyvest compares 35+ lenders at $0 cost to you.

Your Artarmon 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

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.