Avalon Beach mortgage broker

Avalon Beach mortgage broker

A mortgage broker
who knows Avalon Beach.

Home loans in Avalon Beach 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 Avalon Beach

Each one runs differently here, because Avalon pairs a family house market with a genuine unit market, so both first buyers and upgraders have room to move.

First home loans in Avalon Beach
Avalon is one of the more reachable spots on the northern peninsula for a first home, because it has real apartments and smaller houses alongside the bigger family homes. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Avalon units sit under it. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down to something reachable.
Buying your next home in Avalon Beach
The step from an Avalon unit to an Avalon house is a real one, and both trade in decent numbers here, so the move is genuinely on the table rather than years away. Some people upgrade within Avalon as families grow. Others keep the unit, rent it out and buy the house in Newport, Bilgola or further down the peninsula. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the two settlements will not line up.
Investment property loans in Avalon Beach
Avalon rents steadily to families and professionals who want the beach lifestyle, with house yields around 2.6% and units a little higher. Lenders count expected rent towards what you can afford, so that rent does some real work while your income carries the rest. Values here can move around year to year, which can suit a patient buyer. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early on.
Refinancing an Avalon Beach home loan
Values here have moved about lately, so the equity in your place may be different from what you assume, in either direction. That figure can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security on your loan. A refinance is also the one moment the rate, the structure and the years left on the loan all get looked at together, which almost never happens if you leave the loan where it is.

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 Avalon apartment or a smaller house with less than a 20% deposit, and some suit this market better than others. We can walk you through them before you start inspecting.

0426 002 202 Let's meet
About Avalon Beach

What the 2107 market actually looks like

History of Avalon Beach
Avalon sits on the ocean side of the northern peninsula, named after the island of Arthurian myth. It grew as a relaxed beach community with a strong village feel, and today mixes surf culture and a creative streak with family homes on the hills above the beach and Clareville on the Pittwater side.
Avalon Beach property market
Avalon runs two markets together. Family houses on the hillsides and near the beach trade steadily, while a genuine pool of apartments and smaller homes trades below them. That mix, unusual for the northern peninsula, means first buyers, families and investors all have somewhere to start here.
Avalon Beach property prices
Houses sit around $2.7 million, with roughly 153 sold in a year, fairly liquid for the area. Units sit near $1.2 million and trade in decent numbers too, about 46 in the same period, on a stronger yield near 3.3%. Values have swung year to year, so the current figure is worth checking.
Borrowing in Avalon Beach
On a house you are often near the loan size where lenders start adding their own checks, which keeps more options open than at the prestige end of the peninsula. On a unit the building decides it, and some smaller or older blocks draw a few extra questions. Send us the address before you offer.

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

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, Avalon Beach mortgage broker

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 Avalon Beach

Three real situations, each one solved by the lender rather than a bigger deposit.

Rent counted, and the loan cleared.

An investor wanted an Avalon unit and their own bank said the borrowing did not quite stack up. The sticking point was how that lender treated rental income, and the steady demand for beach rentals here makes the local rent genuinely reliable. We moved the application to a lender that counted a higher share of that rent towards serviceability. Same purchase, same rent, assessed by a different lender, and it cleared comfortably. Which lender reads the rent often decides these deals.

The scheme they already qualified for.

A couple renting near Avalon Beach had saved a 5% deposit and assumed years more waiting lay ahead before they could buy on the peninsula. What they had not realised was that they were eligible for the Australian Government 5% Deposit Scheme, which let them buy an Avalon unit with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for moving costs and a buffer. The wait they had braced for simply did not need to happen.

One loan, two lenders, both approved.

An owner wanted to keep their Avalon unit and buy a house up the hill, and a single lender would not fund the whole picture. Same borrower, same income, same debts. We refinanced the unit to a lender with a sharper rate, released the equity that freed up, and placed the house loan with a second lender that read their income more generously. Splitting it across two lenders, rather than forcing everything through one, was what got both loans over the line.

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 a Avalon Beach 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 Avalon Beach 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 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

Avalon Beach questions, answered

First home, next home, refinancing, accessing equity, investing, and how our digital appointments work. The essentials, then a quick call to get the current detail.

Can you help me buy my first home?
Yes, and Avalon is one of the more realistic spots on the northern peninsula for it, because there are genuine apartments and smaller homes alongside the big family houses. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and which ones apply comes down to your income, your job and the property. Those rules and their limits change over time, so the most reliable next step is a quick call where we look at your situation and tell you exactly what is open to you right now.
Can you help me buy my next home?
Yes. In Avalon the step from a unit to a house is a real one, because both trade in decent numbers, so upgrading here is on the table rather than years away. Some people move up within Avalon, others keep the unit as a rental and buy the house nearby. Whether you sell first or buy first changes how the loan is built, and bridging finance covers the gap when the timing does not line up. Give us a call and we will work out the order and the structure that suits you.
Can you help me refinance?
Yes. Values in Avalon have moved around lately, so the loan you set up a few years ago may no longer be the sharpest, and a refinance is the moment to review the rate, the structure and the years left on it together, not just the headline number. Rates and lender policies shift constantly, so rather than quote a figure that dates quickly, the best step is a call where we compare your current loan against 35+ lenders and show you honestly whether switching is worth it or staying put wins.
Can you help me access equity or get a better rate?
Yes. If your Avalon home has grown in value, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently surfaces a better rate at the same time. How much equity is usable depends on a current valuation and your overall position, and values here can move year to year. Because those numbers change, the most useful thing is a quick call where we work out what is genuinely available to you today rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. Cash, the equity sitting in a property you already hold, or a blend of the two can all fund an investment purchase, and how it is arranged matters both for keeping your finances tidy and for the tax treatment down the line. Avalon draws steady tenants who want the beach lifestyle, so it stacks up as a hold, though many owners tap Avalon equity to buy in a higher yielding area instead. Loop your accountant in on the tax, and call us on the lending so the structure is right from day one.
Do you offer digital appointments and virtual meetings?
Yes. Many Avalon clients meet us by phone, Zoom or Teams, which suits busy families and anyone who would rather not travel for a meeting. If you prefer to meet in person we come to you, including evenings and weekends. The whole process, from the first chat to settlement, can run digitally with documents handled securely online, so being up the peninsula is never a barrier. Get in touch and we will set up whichever way of meeting works best for you.

Your Avalon Beach 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

Avalon does not sit on its own. It sits mid peninsula with Palm Beach and Whale Beach at the tip above it, and Newport, Bilgola and Mona Vale just south. The coast runs on through Warriewood, Narrabeen and Collaroy towards the southern beaches and Manly. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.