Bass Hill mortgage broker

Bass Hill mortgage broker

A mortgage broker
who knows Bass Hill.

Home loans in Bass Hill 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 Bass Hill

Each one runs a little differently here, because Bass Hill is a house suburb of larger blocks and family homes, more affordable than most of Sydney, with only a small pocket of units.

First home loans in Bass Hill
Here is the good news you do not get in most of Sydney. The median house in Bass Hill still sits under the first home scheme cap, so a first home buyer can realistically buy a whole house, not just a unit, on a 5% deposit with no lenders mortgage insurance. The Australian Government 5% Deposit Scheme is set at a $1.5 million cap across Sydney. Larger four and five bedroom homes can top it, and units sit comfortably under.
Buying your next home in Bass Hill
This is family upgrader country, on generous blocks, so the move is often a unit or a smaller house to a bigger home with room to grow. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up. A larger block with granny flat or duplex potential changes the numbers again, and suits a lot of the households here.
Investment property loans in Bass Hill
Houses here sit on a yield close to 3.3% while the smaller unit market returns more, nearer 4.5%. What often tips a purchase over on a house is the block, because a granny flat or a second dwelling can add rent that some lenders will count towards what you can afford and others will not. That difference alone can decide whether the numbers work.
Refinancing a Bass Hill home loan
This is where most people find a quick win. Bass Hill values have moved up strongly, 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, a granny flat or a duplex, 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 a Bass Hill home with less than a 20% deposit, and because the median house here still sits under the first home scheme cap, a house on a 5% deposit is genuinely on the table. We can work through it before you start looking.

0426 002 202 Let's meet
About Bass Hill

What the 2197 market actually looks like

History of Bass Hill
Named after the explorer George Bass, it is an established family suburb about twenty kilometres south west of the city, with the Hume Highway running through it and Bass Hill Plaza as the local centre. There is no station, so the buses and nearby Yagoona and Birrong carry the trips, and the Georges River is a short way south.
Bass Hill property market
A house suburb almost throughout, on generous blocks, with only a small run of units and townhouses. Around nine in ten sales are houses, which draws families and multigenerational households who buy and stay, so the market is steadier than the apartment suburbs closer to the centre.
Bass Hill property prices
Houses sit near $1.435 million on a gross yield around 3.3%, up strongly over the past year, and still under the first home scheme cap. The smaller unit market sits near $970,000 on a stronger yield near 4.5%. Houses make up the large majority of what trades here.
Borrowing in Bass Hill
Mostly about houses, and more affordable ones than most of Sydney, so first home buyers can actually reach them here. Larger blocks bring granny flat and duplex potential, where the extra rent can lift what you borrow if the lender counts it. A Hume Highway frontage can move a valuation. 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.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Bass Hill, 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 Bass Hill

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

A first home that was a whole house.

They had been saving for a unit, assuming a house was out of reach for a first home. In Bass Hill it was not. The place 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. A house on a first home budget still exists in the right suburb.

The granny flat that paid the mortgage down.

They had a wide Bass Hill block and wanted to build a granny flat, 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 second income took years off how the loan was tracking.

The block that fit the whole family.

A multigenerational family wanted to live together without living on top of each other. We looked at a Bass Hill property with duplex potential and set up the borrowing so a dual occupancy could be built, one side for the parents and one for the couple, with the incomes assessed together. It kept the family under 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 a Bass Hill 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 Bass Hill 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

Bass Hill 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 Bass Hill?
Bass Hill is one of the few places near Sydney where a first home buyer can realistically buy a whole house rather than a unit, because the median house still sits under the first home scheme cap. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. The Australian Government 5% Deposit Scheme is $1.5 million across Sydney, so a Bass Hill house can often be bought on a 5% deposit with no lenders mortgage insurance, though larger four and five bedroom homes can top the cap. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Bass Hill 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. Bass Hill 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 a Bass Hill 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. Bass Hill values have moved up strongly, so 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. On a Bass Hill house that has grown, that can be a useful number. 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 Bass Hill 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. On a Bass Hill block, a granny flat or second dwelling can add rent that lifts what you can borrow, 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, and with no station in Bass Hill 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 Bass Hill 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 build a granny flat or a duplex?
Yes, and on Bass Hill's larger blocks this is a common reason to refinance. Releasing equity from the home can fund a granny flat or the early costs of a duplex build, often more cheaply than a separate loan, and a construction or staged facility suits a bigger project, drawing down as the work is done. Where the second dwelling is rented, some lenders will count part of that income too. We look at the equity you have, the likely finished value, and structure it so the loan and the works sit in one place.
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. Bass Hill values have moved, so it is worth checking where an old guarantee stands.

Your Bass Hill 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

Bass Hill sits on the western side of the Canterbury-Bankstown, and it does not sit on its own. Chester Hill and Greenacre are next door, Condell Park and the centre at Bankstown a little further, and down toward the river sit Revesby, Padstow, Panania and East Hills. Riverwood and Beverly Hills lie to the east. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.