Auburn mortgage broker

Auburn mortgage broker

A mortgage broker
who knows Auburn.

Home loans in Auburn 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 Auburn

Each one runs a little differently here, because Auburn is an affordable, mixed market close to Parramatta, where an entry level house can still sit within reach of a first home buyer and the units are more affordable again.

First home loans in Auburn
There is a real path to a house here. Entry level homes can sit under the first home scheme cap, so a first home buyer can sometimes buy a house, not just a unit, on a 5% deposit with no lenders mortgage insurance. Larger homes sit over the cap, and the units are cheaper again, which makes them very reachable. Which route fits depends on the property and your deposit, and working that out is exactly what we do.
Buying your next home in Auburn
This is family upgrader country, on deep full brick blocks, so the move is often a unit or a smaller house to a larger family home. 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 size of the blocks here means granny flat and dual occupancy plans come up a lot, which change the numbers again.
Investment property loans in Auburn
The units are the yield play, cheaper than the houses and renting well, so investors know the suburb. Lenders count expected rent towards what you can afford, which is why the numbers often work, though how much of the rent they count varies from one lender to the next. On a house, a deep block can carry a granny flat or second dwelling that adds rent some lenders will count. We match the purchase to the lender that treats the income most fully.
Refinancing an Auburn home loan
This is where most people find a quick win. As your value grows and your balance comes down, 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, a granny flat, a dual occupancy, 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 Auburn home with less than a 20% deposit, and because an entry house here can sit under the first home scheme cap, a house on a 5% deposit is sometimes on the table, with units easily within reach. We can work through it before you start looking.

0426 002 202 Let's meet
About Auburn

What the 2144 market actually looks like

History of Auburn
Its name borrowed from Oliver Goldsmith's poem, sweet Auburn, it sits about sixteen kilometres west of the city and just east of Parramatta, on the T1 and T2 lines. Auburn Road and Auburn Central are the local centres, with the Botanic Gardens and the landmark Gallipoli Mosque nearby, and it is one of Sydney's most multicultural suburbs.
Auburn property market
A mixed market of full brick houses on deep blocks and a growing run of affordable units near the station. Houses hold the value, while the units trade in numbers and give first home buyers and investors a cheaper way in.
How we help in Auburn
Two markets on one page, and they call for different lenders. We know which are comfortable with a full brick house on a deep block and which suit a unit near the station, we compare 35+ lenders at no cost to you, and we match you to the loan that fits, then stay with it from pre-approval to settlement.
Borrowing in Auburn
Two conversations. On an entry house you can be under the first home scheme cap, which opens the 5% scheme; a larger home sits over it, and a guarantor or a waiver may be the way in. Units are judged on the building, and the deep blocks here bring real granny flat and dual occupancy potential. 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 Western Sydney.

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 Auburn, 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 Auburn

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

The entry house that still fit the scheme.

They had been saving for a unit, sure a house near Parramatta was out of reach for a first home. In Auburn it was not. The entry home they liked sat under the government scheme cap, so we checked their eligibility and they bought a whole house on a 5% deposit with no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The deep block that earned its keep.

They had a deep full brick Auburn block and built a granny flat at the rear, both for family and for the rent. We released equity from the home for the build and set up a small staged facility, then, once it was tenanted, a portion of that rent counted towards servicing with the right lender. The block did more than they thought.

Two incomes under one roof.

A multigenerational family wanted to buy a larger Auburn home together, with parents and adult children sharing the household. We set up the borrowing so the incomes were assessed together and structured it around who owned what, which lifted the borrowing enough to buy the home that suited them all. It kept the family on one title and turned a stretch into a plan that worked.

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 Auburn 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 Auburn 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

Auburn 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 Auburn?
Auburn gives a first home buyer two ways in. Entry level houses can sit under the first home scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is sometimes possible, and units are more affordable again, which makes them very reachable. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. Larger homes sit over the cap, where a guarantor or a waiver is the route. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Auburn 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. Auburn is a common upgrade suburb for growing families, so this comes up a lot. Buying first suits a thin market where the right home is rare; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing an Auburn 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. As your value grows and your balance falls, 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.
Can I refinance to a sharper rate and unlock equity at the same time?
Often, yes. 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. The catch is the valuation, which differs between lenders, so the lender with the sharpest rate is not always the one that values your home highest. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Auburn 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 together. Auburn units rent well, so lenders count that expected rent, and on a house a granny flat can add rent too, though only some lenders count it. How the borrowing is split affects tax, so run that part past your accountant.
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 Auburn or beyond, distance changes nothing about how we work.
How do lenders count the rent on an investment property in Auburn?
Lenders count a share of the expected rent towards what you can afford, but not all of it and not all the same way. Most take around 80% of the rent to allow for costs and vacancy, and some are more generous than others in how they treat it, which can change what you are able to borrow on the very same property. On higher yielding stock that difference matters a great deal. We know which lenders count rental income more fully, and we match the purchase to the one that makes your numbers work.
Should an investment loan be interest only or principal and interest?
Both get used, and it comes down to your strategy. Interest only keeps the repayment lower for a set period because you are not paying down the balance, which can help cash flow and is often chosen for tax reasons, then the loan switches to principal and interest and the repayment steps up. Principal and interest costs more each month but reduces what you owe from the start. Lenders assess interest only more tightly, which can affect borrowing power. The tax side is a conversation for your accountant, and we set the structure up around it.
How does using equity to buy an investment actually work?
Rather than a cash deposit, we release the usable equity in a property you already own, broadly its value less what you owe and less the buffer lenders keep, and use that as the deposit and costs on the investment. The key is to keep the two properties on separate loans and securities so they are not tied together, which keeps your options open later and can matter for tax. We structure it so the investment stands on its own, and run the equity release and the purchase as one plan.

Your Auburn 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

Auburn sits between the Olympic Park line and Parramatta in Western Sydney, and it does not sit on its own. Lidcombe is one stop toward the city and Granville one toward Parramatta, with Guildford and Merrylands just south. The Parramatta CBD and the Westmead health precinct are a short run west. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.