Bayview mortgage broker

Bayview mortgage broker

A mortgage broker
who knows Bayview.

Home loans in Bayview 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 Bayview

Each one runs differently here, because Bayview is a tightly held waterfront and family market where most owners stay put and rentals are scarce.

First home loans in Bayview
A Bayview house is beyond most first home budgets, and there are few apartments here, so first buyers usually start nearby in Mona Vale or Warriewood where the numbers work. The Australian Government 5% Deposit Scheme has a property price cap in NSW that Bayview sits above. More often we help first buyers get onto the peninsula close by, with professional insurance waivers or a guarantor loan bringing the deposit down, and we are happy to map that path with you.
Buying your next home in Bayview
Many Bayview purchases are upgrades to a larger home or a waterfront property, often by people already living on the peninsula. Homes here trade rarely and can take a while to sell, so the order of the two contracts matters, and bridging finance often covers the gap. The loan is usually built around more than one property. We work the borrowing around your whole position rather than a single sale, so a slow selling market does not cost you the home you want.
Investment property loans in Bayview
Bayview is an owner dominated market with very little rental stock, so it is more a lifestyle and capital suburb than a yield one, with house yields under 3%. Lenders count expected rent towards what you can afford, but on thin rental supply and low yields your own income carries most of the assessment. Many owners here use Bayview equity to invest elsewhere. Structure and tax matter, so it is worth a word with your accountant early.
Refinancing a Bayview home loan
House values here have grown, so the equity in your place may be more than you last checked, and at Bayview loan sizes a small rate difference is worth real money each year. Equity can fund a renovation, another purchase, or the release of a parent's home still sitting as security. 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 the loan is left alone.

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 only a handful of ways into Bayview with less than a 20% deposit, and at these prices they rarely apply here, but we can walk you through what is realistic, including nearby options, before you start looking.

0426 002 202 Let's meet
About Bayview

What the 2104 market actually looks like

History of Bayview
Bayview sits on the western side of the peninsula along Pittwater, between Mona Vale and Church Point. It grew as a quiet waterfront community with a strong boating tradition, known today for its jetties and moorings, St Luke's Grammar, and large homes backing onto the water and Ku-ring-gai Chase bushland.
Bayview property market
A tightly held, owner dominated market. Large family and waterfront homes on generous blocks change hands rarely, only around 7% of residents rent, and listings are scarce. Apartments are few, so almost everything here is a substantial, closely held house rather than an entry level buy.
Bayview property prices
Houses sit around $3.4 million, with few listings at any time, and the suburb skews older, median age near 59. Units barely feature. Yields are under 3%, a lifestyle and capital market rather than an income one, and the tightly held nature makes any single figure a rough guide.
Borrowing in Bayview
Bayview houses often sit near or past the loan size where lenders start adding their own checks. Waterfront homes with jetties or water access can also draw a more cautious valuation from some lenders than others. Send us the address before you offer and we will flag it.

Whether it is a waterfront home or a family house, 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, Bayview 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 Bayview

Three real situations, each one about financing a home in a suburb that rarely changes hands.

A waterfront lender who understood it.

They were buying a Bayview home with a jetty and water frontage, and their bank's valuation came back cautious, as waterfront homes often do when the valuer does not know the market. Rather than accept it, we took the property to a lender whose panel valuer understood Pittwater waterfront and what these homes actually fetch. The figure landed closer to the price, kept their deposit where they planned it, and the purchase settled on the terms they had agreed.

Two homes, kept separate.

An owner wanted to buy a larger Bayview home while keeping their existing house on the peninsula, and their bank kept treating the two as one pool, which limited what they could do. We structured the borrowing so the properties stayed separate, kept the existing home protected, and placed the new loan with a lender comfortable at that size. They moved up without tangling the two properties together or putting the first at risk.

A guarantee released at last.

Years earlier a couple had bought their first home with a parent's property as extra security, then moved up to a larger Bayview home without ever revisiting it. The old guarantee was still sitting on the parents' title, quietly limiting what those parents could do with their own place. We had both properties revalued, showed the loan was now comfortably supported on its own, and arranged the release, so the parents came off it entirely without a single dollar changing hands.

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 Bayview 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 Bayview 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

Bayview 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, though Bayview itself is a challenge for a first home, because it is mostly substantial houses on large blocks with few apartments, so first buyers often start nearby on the peninsula. 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 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, and it is a lot of what we do in Bayview, where many moves are upgrades to a larger home or a waterfront property, often by people who already own here. The loan is usually built around more than one property, and whether you sell first or buy first changes how it is structured, with bridging finance covering the gap when timing does not line up. Homes here can take a while to sell, so the order matters. Give us a call and we will map the approach that suits your plans and your timing.
Can you help me refinance?
Yes. At Bayview loan sizes even a small rate difference adds up over a year, and many loans here, especially on long held family and waterfront homes, have not been reviewed since they settled. Refinancing is the moment to look at the rate, the structure and the years left on the loan together, not just the headline number. Rates and lender policies shift constantly, so rather than quote something that dates fast, the best step is a call where we compare your current loan against 35+ lenders and tell you honestly whether a move is worth it.
Can you help me access equity or get a better rate?
Yes. If your Bayview home has grown in value, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently turns up a sharper rate at the same time. How much is usable depends on a current valuation and your position, and on waterfront and Pittwater homes valuations can vary between lenders. Because those figures move, 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, equity in a property you already hold, or a combination of the two can each fund an investment, and getting the structure right matters both for tidy finances and for the tax outcome later. Because Bayview is so owner dominated with barely any rental stock, most investors here draw on their Bayview equity to buy in a higher yielding area rather than in the suburb itself. Bring your accountant in on the tax, and call us on the lending so the structure is sound from day one.
Do you offer digital appointments and virtual meetings?
Yes, and out here on the peninsula it is how a lot of our clients prefer to work. A phone, Zoom or Teams appointment saves the drive and fits around work and family, and we can run the entire loan this way, from the first conversation to settlement, with paperwork signed securely online. If you would rather sit down together we will come to you, evenings and weekends included. Reach out and we will arrange whichever suits you, in person or on screen.

Your Bayview 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

Bayview does not sit on its own. It runs along Pittwater between Mona Vale and Church Point, with Newport and Avalon Beach up the peninsula and Warriewood and Narrabeen to the south. The coast runs on through Collaroy towards Manly, and Palm Beach caps the peninsula at the top. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.