Baulkham Hills mortgage broker
Baulkham Hills mortgage broker
A mortgage broker
who knows Baulkham Hills.
Almost everyone buying here already owns something. The order you sell and buy in decides how much you pay and how much you sweat. We compare 35+ lenders and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
About Baulkham Hills
What the 2153 market actually looks like
Living in Baulkham Hills
Typical values here have risen more than 140% in ten years, so a place bought at the start of the last cycle roughly doubled. Not one thing drives that. A high school sitting around sixth in the state, Norwest and its hospital and business park minutes away, Metro on the doorstep, and 186 hectares of Bidjigal Reserve running through the middle with sugar gliders and wallabies in it. That mix is what holds the premium over the cheaper suburbs beside it.
Baulkham Hills property market
Across most of Sydney more units change hands than houses. Here it is the other way round, close to 400 house sales against roughly 230 units in a year. It is a suburb people move to rather than start in, usually with a home already behind them and a growing family in front of them. So the question is rarely how do I get in. It is how do I get from the home I own into the one I want, in a market that turns over in under a month.
Baulkham Hills property prices
Houses sit around $1.9 to $2.1 million depending on whose figures you read, on a yield of roughly 2%. Units sit near $717,000 on a yield closer to 3.9%. Houses sell in under a month. That last number matters more than the price, because a month is not long enough to sell, settle and buy in sequence.
Borrowing in Baulkham Hills
Almost everyone here is doing two transactions at once, and the order you do them in decides how much you pay and how much you sweat. Sell first and you may be renting. Buy first and the finance has to carry both for a while. There are three ways through it and they suit different people. We work out which one fits before you list or bid.
Baulkham Hills sits in our Hills District area. Nearby we also cover Bella Vista, Castle Hill, Winston Hills and North Rocks.
Selling and buying
at the same time?
There are three ways to sequence it and they suit different people. We can walk through what each one costs and what each one risks, before you list or bid.
Your broker
Meet Ali Hasani
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.
Not sure whether to
sell first or buy first?
It is the question that decides everything else. We can run the numbers on both routes before you commit to either.
Client stories
How we helped in Baulkham Hills
Three real situations, all of them about closing a gap that looked too wide.
Bridging carried them across.
They found the home they wanted and needed the equity out of the current one to buy it, and assumed that meant selling first. We worked through bridging finance instead. The lender carried both loans for a period, they bought the new place, then sold the old one without a deadline hanging over the sale. Bridging is not free and it is not right for everyone, but it was the difference between getting that house and watching it go.
Sold second, and sold better.
A couple found the home they wanted before theirs had sold, and did not want to be pushed into a quick sale to fund it. We structured the finance so they could settle the new place on time and list the old one a few weeks later. That meant one move instead of two, an empty house presented properly rather than lived in and rushed, and a sale on their own timetable. The house sold better for it.
They kept the old house too.
A growing family wanted a bigger home and assumed the current one had to go to pay for it. Once we went through the numbers, it did not. We restructured the lending, used the equity they already had as the deposit, and put a loan in place that let them keep the first home and rent it out. They moved into the house they needed and kept the one they had. Because holding a former home has tax consequences, they worked that side through with their accountant.
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 Baulkham Hills 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 for every Baulkham Hills plan
First home
Learn more
Next home
Learn more
Refinancing
Learn more
Construction loans
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Guarantor loans
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Self employed home loans
Learn more
Not sure where to start? See what a mortgage broker actually 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.
Your job matters
Home loans by profession
Some lenders drop lenders mortgage insurance for certain jobs, and Norwest Business Park is next door. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.
Home loans for
Doctors
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Home loans for
Dentists
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Home loans for
Accountants
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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.
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."
★★★★★
"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."
★★★★★
"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."
FAQ
Baulkham Hills questions, answered
Why use a mortgage broker in Baulkham Hills?
Because most people buying here already own something, and that makes it two transactions rather than one. Sequencing a sale and a purchase is where deals fall over, and a bank will only show you the one route it offers. There are at least three ways to do it and they suit different people. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Can I buy before I sell?
Often yes, and it is worth more than people think. Houses here sell in under a month, so if you sell first you can find yourself renting. If the finance lets you settle the new place first, you move once, present the old house empty and properly, and sell on your timetable rather than someone else's. Whether it works comes down to your equity and whether your income supports both loans for a period.
How does a bridging loan work?
The lender funds the new purchase while you still own the old place, so for a period you owe both. Interest usually accrues on the total rather than being paid monthly, and it is cleared when the first property sells. Lenders set a window, commonly six to twelve months, and want to see a realistic sale price. It is a genuinely useful tool and it is not the cheapest option, so it comes down to whether the flexibility is worth the cost in your case.
Can I settle the sale and the purchase on the same day?
It is possible and it takes coordination. Both contracts have to line up, both solicitors have to be ready, and any delay on one side moves the other. It avoids bridging costs and avoids moving twice, which is why people want it. The risk is that if your buyer's finance slips, yours is exposed. We usually build a fallback into the finance so a wobble on one side does not sink the other.
Can I keep my current home and rent it out instead?
Often yes, and more people could than realise it. Rather than selling to fund the next purchase, you use the equity in the first home as the deposit and keep it as an investment. Whether it works depends on whether your income supports both loans once the rent is counted, and lenders count rent very differently from each other. Getting the structure right at the start matters a great deal here, and the tax side is a conversation for your accountant.
How much equity can I use?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. That figure is what funds the deposit on the next home. Because it moves with your valuation, and valuations differ between lenders, the number is worth checking properly rather than estimating off a listing website, especially when you are planning a purchase around it.
Are large loans assessed differently?
Not harder, but they are looked at more closely. Past certain loan sizes some lenders add extra checks, want more documentation, cap how much of the value they will lend, or apply internal limits. Others barely change their process. If you are carrying two loans through a bridging period the combined figure is what gets assessed, which is often the point where a single lender says no and another says yes.
What happens if the valuation comes in under the price?
You usually find out after you are committed, because a lender will not order a valuation on a purchase until there is an exchanged contract. So the buffer has to exist before you sign, and at auction there is no cooling off to fall back on. If it lands short, a different lender uses a different valuation panel and can come back with a different number on the same property. Failing that, the gap is covered in cash at settlement.
Do the schools here affect what I can borrow?
Not directly, and there is a common mix up worth clearing up. Baulkham Hills High is fully selective, so being local does not get your child in. What does hold value is the wider draw of the area, and a valuer sees that in the comparable sales, which can help on an equity release. It does not make a lender lend you more. Your borrowing capacity comes from your income and your existing debts. Plenty of people stretch for the postcode and then find the loan was the limit rather than the house.
Can I get a Baulkham Hills home loan with no LMI?
You may be able to, and there are four routes to it. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. If you already own a home, the equity in it often gets you past 80% without paying any. Some lenders drop it completely for certain jobs, and with Norwest next door plenty of local buyers are on those lists. A family guarantor loan removes it another way, using part of a parent's equity rather than their cash. And for an eligible first home buyer the Australian Government 5% Deposit Scheme removes it entirely, with Housing Australia guaranteeing the gap between your deposit and 20%. Around here that last one usually points at a townhouse or a unit rather than a house.
Can I get a home loan if I am self employed?
Yes. The Hills has a lot of business owners and contractors. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. The bigger issue is what gets added back. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. At these loan sizes that difference is worth a great deal.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans and its own way of sequencing a sale and a purchase. If it does not do bridging the way you need, or will not count the rent on a home you are keeping, it will simply tell you to sell first. That is not the whole picture, it is a limitation. A broker knows which lenders do what. Buyvest compares 35+ lenders at $0 cost to you.
Your Baulkham Hills mortgage broker
Your home loan.
Made simple.
Free check. No pressure. 35+ lenders compared at $0 cost to you.
Baulkham Hills does not sit on its own. Winston Hills, North Rocks and Carlingford sit south of here, closer to the M2. North and west the Metro line runs through Norwest and Bella Vista and out to Kellyville, North Kellyville and Beaumont Hills, where a lot of the newer stock is. Castle Hill is the centre next door. Glenhaven and Dural are the other direction again, where the blocks get bigger and the lending questions change with them, and Pennant Hills sits east. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.