Balgowlah mortgage broker

Balgowlah mortgage broker

A mortgage broker
who knows Balgowlah.

Home loans in Balgowlah 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 Balgowlah

Each one runs differently here, because Balgowlah pairs a family house market with a genuine unit market, near Manly and the Spit Bridge to the lower North Shore.

First home loans in Balgowlah
Balgowlah is one of the more workable spots on this side of the beaches for a first home, with a genuine unit market alongside the family houses. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and some Balgowlah units sit under it while others sit above. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down within reach of Manly and the harbour.
Buying your next home in Balgowlah
The step from a Balgowlah unit to a house is a real one, and both trade in good numbers here, so the move is on the table rather than years off. Some people upgrade within Balgowlah as families grow. Others keep the unit, rent it out and buy the house nearby in Seaforth, Manly Vale or across the Spit. 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 Balgowlah
Balgowlah rents steadily thanks to Manly nearby, the harbour and the Spit Bridge access, with unit yields around 3.2% while houses return closer to 2.4%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work, while a house leans more on your income. The active unit market gives investors a genuine choice here. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Balgowlah home loan
House values here have grown, so the equity in your place may be more than you last checked. 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 a Balgowlah apartment 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 Balgowlah

What the 2093 market actually looks like

History of Balgowlah
Balgowlah sits where the beaches meet the harbour, its name from an Aboriginal word said to mean north harbour. It grew as a residential suburb between Manly and the Spit, and today mixes family homes on leafy streets with a genuine apartment market, anchored by the Stockland village and the Spit to Manly walk.
Balgowlah property market
Balgowlah runs two markets together. Family houses on comfortable blocks trade steadily, and a genuine pool of apartments and townhouses trades below them, drawing first buyers and investors. The nearness to Manly, the harbour and the Spit Bridge into the lower North Shore keeps demand firm across both ends.
Balgowlah property prices
Houses sit around $3.7 million, with roughly 84 sold in a year, while units are far more reachable, near $1.5 million, and actually trade in greater numbers, about 123 in the same period. Unit yields run near 3.2%, house yields lower, so the unit market is the more accessible and income friendly end here.
Borrowing in Balgowlah
On a house you are often near the loan size where lenders start adding their own checks, keeping options open. On a unit the building decides it, and some older blocks near the village raise a few questions. Send us the address before you offer and we will flag anything a lender is likely to catch.

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, Balgowlah 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 Balgowlah

Three real situations, each one that moved from stuck to sorted with the right lender.

Rent counted, and the loan cleared.

An investor wanted a Balgowlah 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 near Manly and the harbour 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 Balgowlah village had saved a 5% deposit and assumed years more waiting lay ahead. What they had not realised was that they were eligible for the Australian Government 5% Deposit Scheme, which let them buy a Balgowlah 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 Balgowlah unit and buy a house nearby, 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 Balgowlah 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 Balgowlah 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

Balgowlah 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 Balgowlah is one of the more workable spots on this side of the beaches for a first home, because it has a genuine unit market alongside the family houses, so there is a real entry point. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and which ones apply depends on your income, your job and the property. Those rules and limits change over time, so the best next step is a quick call where we go through your situation and tell you exactly where you stand today.
Can you help me buy my next home?
Yes. Balgowlah is one of the easier suburbs on this side to trade up in, because units and houses both turn over in decent numbers, so the jump is realistic rather than a distant hope. You might move up within Balgowlah, or hold the unit as a rental and finance a house nearby. The sequence shapes the loan: sell first for a firm budget, or buy first with bridging finance carrying you across. Call us and we will work out the order and structure that fits.
Can you help me refinance?
Yes. With Balgowlah values having climbed, a loan arranged a couple of years back is often no longer the keenest on offer. Refinancing lets you weigh the whole picture at once, the rate, how it is structured, and the term still to run, rather than just the headline figure. Because rates and lender rules keep shifting, a number quoted today ages fast, so the practical step is a call where we run your loan past 35+ lenders and tell you plainly if switching stacks up.
Can you help me access equity or get a better rate?
Yes. Where your Balgowlah home has gained value, the equity locked inside it can usually be freed up for a renovation, a further purchase or a reshaping of your lending, and the same look often uncovers a keener rate too. What is usable rests on a fresh valuation and your position, and those numbers move with the market. So rather than lean on a portal estimate, a short call lets us pin down exactly what you have to work with today.
Can you help me buy an investment property, using equity or cash?
Yes. Cash, equity in a property you already own, or a blend of the two can each fund an investment, and arranging it well matters for tidy finances and for the tax outcome later. With its lively unit market and reliable demand off Manly and the harbour, Balgowlah genuinely stacks up for apartment investors, and your equity here can just as easily buy elsewhere. Bring your accountant in on the tax, and us in on the lending, so the structure is sound from the outset.
Do you offer digital appointments and virtual meetings?
Yes, and for a lot of Balgowlah clients it is simply the most convenient way. A phone, Zoom or Teams appointment fits around work and family and saves the trip, and the whole loan can run this way, first conversation to settlement, with documents signed securely online. If you would sooner meet in person, we will come to you, evenings and weekends included. Just reach out and we will arrange whichever suits you, on screen or face to face.

Your Balgowlah 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

Balgowlah does not sit on its own. It sits near the harbour beside Seaforth, Clontarf and Manly Vale, with Manly and Freshwater along the coast and the Spit Bridge linking to the lower North Shore. The beaches run north through Brookvale and Dee Why, and Killarney Heights sits up in the bush behind. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.