Ashbury mortgage broker

Ashbury mortgage broker

A mortgage broker
who knows Ashbury.

Home loans in Ashbury 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 Ashbury

Each one runs a little differently here, because Ashbury is a small, tightly held enclave of heritage houses, where units are rare and a home seldom comes up.

First home loans in Ashbury
Ashbury houses sit well above the first home scheme cap, so the way in is usually a family guarantor loan or a professional insurance waiver, or a unit in Canterbury or Campsie nearby that sits under it. The Australian Government 5% Deposit Scheme is $1.5 million across Sydney and still helps here, just more often on a unit a suburb over than on a heritage house in Ashbury itself.
Buying your next home in Ashbury
This is upgrader country, and the stock is scarce and tightly held, so a clear number and a fast pre-approval matter when the right home finally comes up. Bridging finance covers the gap when it appears before yours has sold. A character home, a heritage listing or a larger block all change how the loan is built and how a lender values it.
Investment property loans in Ashbury
Most people buy in Ashbury to live, and with yields near 2% it is not a high income market. The more common move is releasing equity from an Ashbury home to buy an investment in a higher yielding suburb, keeping the securities separate so the properties are not tied together. That part touches tax, so it is worth running past your accountant early.
Refinancing an Ashbury home loan
This is where most people find a quick win. Values here have held up well, 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 all get looked at together, and it can fund a renovation or extension, a deposit elsewhere, or release a parent's home used as security.

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 Ashbury home with less than a 20% deposit, and because the houses here sit above the first home scheme cap, a guarantor or a professional waiver is often the key. We can work through it before you start looking.

0426 002 202 Let's meet
About Ashbury

What the 2193 market actually looks like

History of Ashbury
The name is a blend of Ashfield and Canterbury, the two suburbs it sits between, about ten kilometres south west of the city. It is known for its 1920s and 30s Californian bungalows and Federation homes, much of it a heritage conservation area. There is no station, so the buses and nearby Canterbury and Ashfield carry the trips.
Ashbury property market
A house suburb almost end to end, tightly held, with very few units. Character homes and leafy heritage streets keep it sought after, so little comes up in any given year, and what does can move quickly. This is the opposite of the apartment suburbs further along the line.
Ashbury property prices
Houses sit near $2.4 million on a low gross yield around 2%, up strongly over recent years. The rare unit sits closer to $900,000. House sales far outnumber units here, and turnover is low, so the market rewards a buyer who is ready to move when a home appears.
Borrowing in Ashbury
Mostly one conversation, about houses. Loan sizes are large. Heritage listed and character homes bring their own valuation and insurance questions, and a full rebuild is limited by conservation controls, so renovation and extension lending matter more here than construction. Send us the address before you offer and we will tell you where you stand.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across Canterbury-Bankstown.

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.

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Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Ashbury, 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.

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Client stories

How we helped in Ashbury

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

The character home the bank undervalued.

They wanted to release equity from an Ashbury bungalow for a renovation, and their own lender's valuer came back cautious, with few recent sales on the street to point to. We took it to a lender whose panel valuer knew heritage stock and put comparable character home sales in front of them. The second valuation reflected what the home was actually worth, which released enough for the works with room to spare.

Into Ashbury with the family's help.

A first home buyer had good income but the Ashbury house they wanted sat above the deposit they could reach, and above the government scheme cap. Their parents wanted to help without handing over cash. We used a limited guarantee against part of the parents' equity, which meant no lenders mortgage insurance and no money changing hands. A few years on, with the value up and the balance down, the guarantee was released.

The renovation, not the rebuild.

They had bought an older Ashbury home and assumed they would knock it down, until the heritage controls made that a non starter. We refinanced and set up the borrowing for a sympathetic renovation and extension instead, with a modest staged component for the building work, so the existing loan and the works sat in one structure. The home kept its character and gained the space they needed.

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 Ashbury 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 Ashbury 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.

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Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and lend a higher share of the price without it. 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

Ashbury 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 Ashbury?
Ashbury is a tightly held house suburb, and the houses here sit above the first home scheme cap, so the way in is usually a family guarantor loan or a professional insurance waiver. The other common route is a unit in Canterbury or Campsie nearby, which sits under the $1.5 million cap and can be bought on a 5% deposit with no lenders mortgage insurance. We look at your income, your deposit and what lenders will count, then get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Ashbury 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. Ashbury stock is scarce and tightly held, so when the right home finally comes up, buying first can be the only way to secure it. Selling first means you know your number before you bid, so it is worth pricing both.
When is it worth refinancing an Ashbury 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 reviewed in years, or a guarantee over a parent's home still sitting there long after it was needed. Ashbury values have held, so the equity in your place may be well past what you think, and that can fund a renovation or a deposit elsewhere. We compare what you have now against 35+ lenders and show you both answers, including the one where staying put comes out ahead.
Can I refinance to a sharper rate and unlock equity at the same time?
Often, yes, and on an Ashbury home the equity can be substantial. A refinance lets you move to a lower rate and release equity in the one application. Usable equity is roughly 80% of what your place is worth today, less what you still owe. The catch is the valuation, which differs between lenders and can be cautious on a heritage or character home with few comparables, so the sharpest rate is not always the highest valuation. We weigh both together rather than chasing the rate alone.
Can I buy an investment property using the equity in my Ashbury home?
Yes, and here it is often the sensible way to do it. Local yields near 2% make an Ashbury investment hard to stack up, so many owners release equity from their home for the deposit and costs and buy in a higher yielding suburb instead, keeping the two securities separate so the properties are not tied together. Lenders count the expected rent on the investment towards what you can afford. How the borrowing is split affects tax, so that part is worth running past your accountant.
Do you offer digital appointments and evening or weekend meetings?
Yes, and with no station in Ashbury a lot of clients prefer them. 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 Ashbury 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.
Can I refinance to fund a heritage renovation or an extension?
Yes, and in Ashbury this is a common reason to refinance, because a full knock down rebuild is usually off the table under the conservation controls. Releasing equity can fund a renovation or extension, and a larger project can add a staged construction component that draws down as the work is done. We look at the equity you have and the likely finished value, and structure the borrowing so the existing loan and the works sit together rather than in two places.
Can I refinance to release a family guarantee over my parents' home?
Usually, yes, once enough equity has built up. Plenty of people bought their first place with a parent's home as security and never revisited it. As your property rises in value and the balance comes down, you often reach the point where the guarantee is no longer needed. We refinance the loan, release the parents' property from the mortgage, and can look at the rate and structure at the same time. Ashbury values have held, so it is worth checking where an old guarantee stands.

Your Ashbury 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

Ashbury is a quiet pocket on the inner western edge of the Canterbury-Bankstown, and it does not sit on its own. It backs onto Canterbury and Croydon Park, with Campsie, Belmore and Lakemba a little further along the old line, and Earlwood and Roselands to the south. Kingsgrove and Beverly Hills sit beyond. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.