Badgerys Creek mortgage broker

Badgerys Creek mortgage broker

A mortgage broker
who knows Badgerys Creek.

Home loans in Badgerys Creek 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 Badgerys Creek

Each one runs a little differently here, because Badgerys Creek is the home of the new Western Sydney International Airport and the aerotropolis, a semi rural area on larger holdings being reshaped by a once in a generation infrastructure hub.

First home loans in Badgerys Creek
This is not a standard first home suburb, because the residential holdings here are acreage and larger parcels that generally sit over the 5% Deposit Scheme cap. A first home buyer is usually better served in the established suburbs nearby, and we can point you to where the scheme works while you keep an eye on the area. What fits your deposit is exactly what we work out.
Buying your next home in Badgerys Creek
For those moving up to an acreage or lifestyle holding near the airport, the block and the loan type matter as much as the borrower. Selling first or buying first changes how the loan is built, and bridging finance covers the gap. On a larger holding the lender you choose, and how it treats land size and any dwellings, decides what is possible.
Investment property loans in Badgerys Creek
The headline growth story of the far west, built around the new Western Sydney International Airport and the surrounding aerotropolis employment lands. Interest here is driven by the infrastructure rather than by rent alone, so lenders look closely at the land, the zoning and the use. We match a purchase to a lender comfortable with it and set the finance up around the plan.
Refinancing a Badgerys Creek home loan
This is where most people find a quick win. As the airport and the aerotropolis reshape the area, the equity in a holding can move, so what your place is worth may be 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 release equity for the next step or a nearby purchase.

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 a home near Badgerys Creek with less than a 20% deposit, though the scheme works best in the established suburbs nearby rather than on the acreage here. We can work through where it fits before you start looking.

0426 002 202 Let's meet
About Badgerys Creek

What the 2555 market actually looks like

History of Badgerys Creek
Named after James Badgery, granted land here in 1806, and after the creek that runs through it, Badgerys Creek was earmarked for an airport back in 1986, which shaped decades of land holding in the area. It sits south of the Penrith centre, off Elizabeth Drive with the new M12 motorway alongside, and is served by the new metro line stations in the airport precinct rather than conventional rail.
Badgerys Creek property market
Not a mainstream housing market, but the site of the new Western Sydney International Airport and the surrounding aerotropolis. Residential holdings are acreage and larger parcels, with much of the land tied to airport, industrial and employment use, so the story here is infrastructure and land rather than standard homes.
How we help in Badgerys Creek
This is specialist territory, and we treat it that way. On an acreage or rural residential holding we match the purchase to a lender comfortable with land size, zoning and any dwellings, and for those positioning around the airport we structure the finance around the plan. If a standard first home is the goal, we point you to where the scheme works nearby. We compare 35+ lenders at no cost to you.
Borrowing in Badgerys Creek
Specialist rather than standard. Acreage and larger parcels generally sit over the 5% Deposit Scheme cap and are judged on land size, zoning and use, so the lender you choose matters a great deal. Much of the land is tied to airport and employment use. Send us the address, the block size and the zoning before you offer and we will tell you what is possible.

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

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 Badgerys Creek, 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 Badgerys Creek

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

The acreage, matched to the right lender.

A buyer wanted a semi rural Badgerys Creek holding near the airport, but their first lender would not lend against the land size. We knew which lenders are comfortable with acreage and rural residential zoning, placed the loan with one of them, and the purchase went ahead. Out here, the lender you choose decides what is possible.

Positioned near the airport, financed around the plan.

An investor wanted to buy near the aerotropolis for the long term infrastructure story rather than the rent alone. We structured the finance around the plan, matched it to a lender comfortable with the land and the zoning, and kept the securities clean so their options stayed open. Near a once in a generation hub, the finance has to fit the strategy.

The refinance that funded the next move.

A holder near Badgerys Creek wanted to release equity for a nearby purchase as the area changed around them. We refinanced to a sharper rate and released the usable equity they had built, set it up in the one application, and kept the securities separate. As the airport reshaped the area, the equity was well past what they had last checked.

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 Badgerys Creek 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 Badgerys Creek 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 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

Badgerys Creek 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.

Can I buy a first home in or near Badgerys Creek?
Badgerys Creek itself is not a standard first home market, because the residential holdings here are acreage and larger parcels that generally sit over the 5% Deposit Scheme cap. For a first home on a 5% deposit, the established suburbs nearby are usually the better fit, and we can point you to where the scheme works while you keep an eye on the area. We look at your income and deposit and get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I buy my next home near Badgerys Creek 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. On a larger or acreage holding the lender and the land size matter, so we price both the bridge and the end loan. Buying first suits a thin market; selling first means you know your number. It is worth pricing both.
Can I get a loan on an acreage or semi rural block at Badgerys Creek?
Yes, but the lender matters more than usual. On acreage and rural residential blocks, lenders look closely at the land size, the zoning and any dwellings or sheds, and some cap how much land they will lend against or how much of the value they will count. A few are far more comfortable with these blocks than others. We know which ones suit holdings around Badgerys Creek and match the property to a lender that will lend well against it.
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. On an acreage holding the valuation can vary more between lenders, so the sharpest rate is not always the highest valuation. We weigh both together rather than chasing the rate alone.
Can I invest near Badgerys Creek and the new airport?
Yes, and the airport and aerotropolis are the reason many people look here. The story is driven by the infrastructure and the employment lands rather than by rent alone, so lenders look closely at the land, the zoning and the use, and a standard rental assessment may not apply on a larger holding. We match the purchase to a lender comfortable with it and structure the finance around the plan. 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 near Badgerys Creek or beyond, distance changes nothing about how we work.
How do lenders count the rent on an investment property in Badgerys Creek?
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 Badgerys Creek 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

Badgerys Creek is the home of the new Western Sydney International Airport in Penrith, and it does not sit on its own. The established suburbs around the Penrith centre, St Marys and Kingswood, sit to the north, with Mulgoa and Orchard Hills nearer the valley and the airport. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.