Bella Vista mortgage broker
Bella Vista mortgage broker
A mortgage broker
who knows Bella Vista.
Homes held for over a decade, very few renters, and a great deal of equity sitting unused. First home, next home, refinancing or an investment. We compare 35+ lenders and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
About Bella Vista
What the 2153 market actually looks like
History of Bella Vista
Named for Bella Vista Farm, one of the oldest properties in the district, with parts of the homestead dating to the early nineteenth century. The suburb was released for housing from the 1990s alongside the Norwest business park, and the Metro station opened in 2019, which changed how people here get to the city and what gets built near the station.
Bella Vista property market
Large family homes across roughly 4.7 square kilometres, with sixteen parks covering about a tenth of it. Units are a small share of the housing, though newer apartments have been arriving near the Metro. Very few homes are rented, so this is an owner occupier suburb, and people tend to stay put for a long time once they are in.
Bella Vista property prices
Houses here sit well into the millions and units a long way below that. Because relatively few properties trade in a year, published medians differ noticeably between sources, so treat any single figure as a guide rather than a price. Rents are low relative to what the properties cost, which is usual where land value rather than rental demand sets the price.
Borrowing in Bella Vista
Equity does most of the work here. Homes are held for a long time and values have moved a great deal since much of the suburb was built, so a lot of owners hold more usable equity than they realise. It can fund the next home or an investment without touching savings, provided the servicing stacks up.
Bella Vista is one of 26 suburbs we cover across the Hills District, and the one where the most equity sits unused.
Never had your home
valued since you bought?
Send us the address and we will email you a free RP Data property report, so you can see what the equity actually looks like.
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.
Prefer to do it
over Zoom?
The whole process can run by phone, Zoom or Teams, including evenings and weekends. Nothing needs to happen in an office.
Client stories
How we helped
Three real situations, and what actually happened in each one.
The equity was the deposit.
They wanted an investment property and assumed they would have to save a second deposit first. We reviewed the loan on their home, moved it to a sharper rate and released the equity at the same time. That equity covered both the deposit and the stamp duty on the purchase, so their savings stayed where they were. Because investment structure affects tax, they worked that side through with their accountant.
Four hundred a month back.
They had been with the same lender for years and had never asked what the rate was doing. New customers at that same bank were being offered considerably better. We took the loan to the panel, compared it properly, and moved it. The repayment came down by about $400 a month for the same debt on the same house. Nothing about their situation had changed, only who was pricing it.
Three properties, untangled.
One lender held all three of their properties as security for the same borrowing, so every request went through a review of the whole bundle and every answer came back conservative. We refinanced and separated the securities so each property carried its own loan. That returned the flexibility to sell or refinance any one of them on its own, and the pricing improved at the same time.
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 Bella Vista 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 Bella Vista 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 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 at Bella Vista prices that is a very large sum. 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.
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.
★★★★★
"Cannot recommend Ali highly enough. He made a complicated and daunting process incredibly easy, and continually went above and beyond. Would absolutely recommend him to everyone."
★★★★★
"Ali is super knowledgeable, reasonable and personable! He will be realistic with what is possible but always find you the best deal whilst making you feel looked after."
★★★★★
"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."
FAQ
Bella Vista questions, answered
Why use a mortgage broker in Bella Vista?
Because most people here are not starting from scratch. They already own, they have held it for a decade or more, and the question is what that equity can do next. A bank can only price its own loans against its own rules. We take it to 35+ lenders and show you the numbers side by side. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Can I buy my first home in Bella Vista?
At the house end it is a very large purchase. The apartments near the Metro are a different matter and bring the entry point down a long way. What decides it is your deposit, your income and whether your job attracts a lenders mortgage insurance waiver. Plenty of first home buyers start in a unit here and move up within the area later.
How much deposit do I need?
A 20% deposit avoids lenders mortgage insurance. On a Bella Vista house that is a substantial figure, and on a unit it is far more reachable. Plenty of buyers get in with 5 or 10% and pay the insurance instead. Some professions can skip it entirely, and a family guarantee can reduce what you need again. If you already own, equity usually does the job in place of cash.
Can I use the 5% Deposit Scheme here?
At the unit end, sometimes, provided the price sits under the scheme's property cap. The Australian Government 5% Deposit Scheme lets an eligible first home buyer purchase with a 5% deposit and pay no lenders mortgage insurance, with Housing Australia guaranteeing the gap to 20%. It is a guarantee rather than a grant, so no money changes hands. Local houses sit well above the cap.
When is it worth refinancing?
Whenever you have not checked in a couple of years, because lenders price new customers better than existing ones and the gap grows quietly. It is also worth looking when your loan comes off a fixed term, when your property has moved in value enough to drop you under 80%, or when you want to release equity. We compare your current loan against the panel, and if moving does not help we will tell you that.
How much does it cost to refinance?
Usually a few hundred dollars to around a thousand. Your current lender charges a discharge fee, there are government fees to move the mortgage, and the new lender may charge a settlement or valuation fee, though plenty waive them. If you are on a fixed rate there can be break costs, and on a Bella Vista sized balance those can be substantial, so we check them before anything else.
Does my loan term reset when I refinance?
Only if you let it. Most refinances default to a fresh thirty year term, which makes the monthly repayment look smaller while adding years of interest onto a large balance. Ask for the remaining term instead, so a loan with eighteen years left stays an eighteen year loan. It is worth watching when you release equity too, since taking cash out and restarting the clock at the same time costs a great deal more than either does alone.
Can I buy my next home before I sell this one?
Yes, and there are two ways. Bridging finance funds the new purchase while the current home is still on the market, so you hold both for a period and clear the bridge when the sale settles. Or, where the equity and your income allow, you release equity from the existing home to fund the purchase outright and sell afterwards. Houses here do not sell overnight, so whichever route you take, build the selling period into the timing rather than assuming a quick result.
How much equity can I actually 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. Because homes here are held for a long time, that figure is often much larger than owners expect, since the value has moved while the loan has come down. What limits it is usually the servicing rather than the equity itself.
Should I keep the current home and rent it out?
Worth pricing against selling before you decide. What matters is whether your income supports both loans once a portion of the rent is counted, and whether the equity can be released without a sale. Very few homes here are rented, so the pool of comparable rentals is small, which is worth knowing when you are working out what it would actually let for. Holding a former home also has tax consequences, so that side belongs with your accountant.
Can I buy an investment property using my equity?
Yes, and it is the most common thing we do for owners here. Rather than saving a second deposit, you release equity from your existing home to cover the deposit and the stamp duty on the investment. Two loans result: the increased borrowing against your home, and the loan against the new property. No cash deposit is needed, and your savings stay where they are.
How should the loans be structured?
Generally so each property secures its own loan rather than one lender holding both for the same debt. That keeps the flexibility to sell or refinance either one without unwinding the whole arrangement. It also matters for tax, because the borrowing used for the investment needs to be clearly identifiable and separate from your home loan. Your accountant sets the requirements and we build the lending to match.
How much of the rent will a lender count?
Not all of it. Lenders count a portion of the expected rent as income, commonly around eighty per cent, to allow for vacancy, management and costs, and they differ on the exact figure. They also assess the new loan at a rate well above the actual one. Because prices here are high relative to rents, the rent contributes less to an assessment than it would on a cheaper property, which is why many local owners use their equity to buy somewhere the rent goes further.
Will buying an investment affect what I can borrow later?
Yes, in both directions. The new loan is assessed against you at a buffered rate, which reduces future capacity, while a portion of the rent is added back as income. Whether the net effect helps or hurts depends on how the rent compares to the price. Where a property costs a lot relative to what it rents for, it uses more capacity than it gives back, which is worth understanding before a second or third purchase rather than after.
Do we have to meet in person?
No. The whole thing can run by phone, Zoom or Teams, and most of our clients never sit in an office. Documents are shared and signed electronically, and lenders have handled applications this way for years. If you would rather meet face to face we come to you, including evenings and weekends. Working near Norwest, or anywhere else, does not need to cost you a lunch hour.
What does a digital appointment actually involve?
A conversation about where you are and what you want to do, then we ask for payslips, statements and identification, which you send through securely. From there we compare the panel and come back with the numbers. Most people are surprised how little of it needs a signature in the room. We are available weekday evenings until nine and on weekends, which suits people who cannot take time off.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans, its own valuation panel and its own rules. That matters most when you are releasing equity, because one lender's valuation and one lender's servicing view decide whether the plan works at all, and you find out after you have applied. We check it against 35+ lenders first, at $0 cost to you.
Your Bella Vista mortgage broker
Your home loan.
Made simple.
Free check. No pressure. 35+ lenders compared at $0 cost to you.
Bella Vista sits at the centre of the Hills corridor, so its neighbours are all close. Norwest is next door and Kellyville just north, with Beaumont Hills and North Kellyville beyond and Rouse Hill further out. Castle Hill and Glenhaven sit east, with Baulkham Hills and Winston Hills south towards Parramatta. The acreage begins at Annangrove and Nelson, and Box Hill sits west. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.