Campsie mortgage broker

Campsie mortgage broker

A mortgage broker
who knows Campsie.

Home loans in Campsie 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 Campsie

Each one runs a little differently here, because Campsie is one of Sydney's most apartment heavy suburbs, a renewing town centre around the station with a smaller run of houses behind.

First home loans in Campsie
This is one of the best gateways into home ownership in the area, because units here are plentiful and sit a long way under the first home scheme cap while the houses sit over it. The Australian Government 5% Deposit Scheme is set at a $1.5 million cap across Sydney, so a Campsie unit can often be bought on a 5% deposit with no lenders mortgage insurance. The catch is the building, so the address matters as much as your income.
Buying your next home in Campsie
The step from a Campsie unit to a Campsie house is more than double, so equity in the unit rarely closes it alone. Some stretch into a house here. Others keep the unit, rent it out and buy the house nearby. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up the way you hoped.
Investment property loans in Campsie
One of Sydney's strongest rental markets, anchored by the food strip, Canterbury Hospital and the coming metro, with units returning close to 4.7%. Lenders count that expected rent towards what you can afford. The building decides a lot, though, because some lenders cap how much they will lend in a high density postcode or limit their exposure to one large tower, and a big pipeline of new stock is on the way.
Refinancing a Campsie home loan
This is where most people find a quick win. Values are moving as the metro and the town centre are renewed, so the equity in your place may be 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, release a parent's home used as security, or free up a deposit for the next one.

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 Campsie apartment with less than a 20% deposit, and which ones are open to you depend on the building as much as on your income. We can work through it before you start looking.

0426 002 202 Let's meet
About Campsie

What the 2194 market actually looks like

History of Campsie
Named after the Campsie Fells in Scotland, it sits about twelve kilometres south west of the city. Beamish Street is a renowned multicultural food strip with a strong Korean and Chinese presence, Canterbury Hospital is close by, and the old rail line is being converted into a Sydney Metro.
Campsie property market
An apartment market first, and one of the densest in the middle ring. Units trade far more often than houses, roughly five to one, and a large town centre renewal is planned around the station, so the unit market is deep and still growing while the houses come up far less often.
Campsie property prices
Houses sit near $2 million on a low gross yield around 2.3%, though house sales are thin and the median jumps about from year to year. Units sit near $680,000 to $717,000 on a much stronger yield near 4.7%, and at that level they are one of the more affordable ways into a Sydney purchase.
Borrowing in Campsie
The building matters as much as you do on a unit here. Larger towers can count as high density with some lenders, which caps how much they will lend or limits their exposure to one block, and new or off the plan stock can value under the contract price at settlement. On a house you are at a more standard loan size. Send us the address before you offer and we will tell you which one you are in.

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 Campsie, 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 Campsie

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

The off the plan valuation that came up short.

They had bought a Campsie apartment off the plan a couple of years earlier, and when it came time to settle the bank's valuation landed under the price they had agreed. Rather than find the gap in cash, we moved the loan to a lender whose valuer saw it differently and put recent comparable sales in front of them. The revised figure closed most of the gap, and the settlement went through on time.

First home in Koreatown, 5% down.

A first home buyer loved Campsie for the food and the transport but assumed a purchase was still years away. Their unit near Beamish Street sat well under the government scheme cap, so we checked their eligibility and they bought with a 5% deposit and no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The doctor at Canterbury Hospital.

A doctor working at Canterbury Hospital assumed they needed a large deposit to buy nearby. We checked their profession against our panel and found a lender who would lend to 90% with no lenders mortgage insurance for their role. They bought a Campsie unit with a smaller deposit, no insurance premium and no one else on the loan. The job you do can change the deposit you need.

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 Campsie 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 Campsie 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

Canterbury Hospital is close by, so many Campsie buyers work in health. Some lenders drop lenders mortgage insurance for certain jobs, and lend up to 90 or 95% 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

Campsie 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 Campsie?
Units are the usual way in, and Campsie has one of the deepest and most affordable unit markets in the middle ring. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved so you know your number before you bid. The Australian Government 5% Deposit Scheme is $1.5 million across Sydney, and Campsie units sit well under it, so a 5% deposit with no lenders mortgage insurance is realistic. The one thing to check early is the building, because a large tower can decide the loan. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Campsie 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. Buying first suits a thin house market where the right one is rare; selling first means you know your number before you bid. Which way round suits you comes down to your own position, so it is worth pricing both.
When is it worth refinancing a Campsie home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is an interest only period rolling over on an investment unit, a rate that has not been reviewed in years, or a guarantee over a parent's home still sitting there. Values are moving as the metro and the town centre are renewed, 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, and they pair up well. A refinance lets you move to a lower rate and release equity in the one application. Usable equity is roughly 80% of what your place is worth today, less what you still owe. That freed up amount can fund a renovation, a deposit on the next home or an investment. The catch is the valuation, which differs between lenders, and on a unit in a large tower it can be conservative, so the sharpest rate is not always the highest valuation. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Campsie 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. Campsie units rent strongly, near 4.7%, helped by the food strip, the hospital and the coming metro, so lenders count that expected rent towards what you can afford. 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. 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 Campsie 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 consolidate debts or restructure my loans?
Yes. Rolling a car loan, a personal loan or a couple of cards into the home loan can bring the total monthly cost down, because the home loan rate is usually far lower. Restructuring can also lift your borrowing capacity, which matters if a purchase is the next step. The thing to watch is the loan term, since spreading a short debt over a long loan can cost more in the end even at a lower rate, so we structure it to avoid that and show you the numbers first.
My interest only period is ending. Can refinancing help?
Yes, and this is one of the best moments to look. When an interest only period ends the repayment can jump sharply as the loan switches to principal and interest, and Campsie has a lot of investment units where this bites. A refinance lets us shop the whole panel for a sharper rate before the change lands, and where it fits, restructure or stagger the loan so the step up does not hit all at once. It is worth starting a couple of months before the date rather than after.

Your Campsie 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

Campsie sits on the metro line in the Canterbury-Bankstown, and it does not sit on its own. Canterbury runs toward the city one way, and Belmore, Lakemba and Punchbowl toward the centre at Bankstown the other. Croydon Park and Ashbury are just north, with Roselands and Kingsgrove to the south. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.