Canterbury-Bankstown mortgage broker
Canterbury-Bankstown mortgage broker
A mortgage broker
who knows Canterbury-Bankstown.
Big blocks, a lot of family businesses, and a Metro line on the way. All three change what a lender will do. We compare more than 35 of them and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
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 more than 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.
Does your tax return
undersell your business?
Some lenders read one line. Others look at the whole business. That difference decides what you can borrow, and we know which is which.
Client stories
How we helped
Three real situations, and what actually happened in each one.
Renovate, or move?
A family had outgrown the house and could not decide whether to extend or sell up. Moving is rarely just the price difference. There is stamp duty on the next place and agent fees on this one, and both come out before you have gained a single extra bedroom. Once we showed them what their equity would fund, staying won easily. We refinanced and released $150,000, and they got the kitchen, bathroom and outdoor area without changing suburbs or schools.
They sold second, and sold better.
A couple found the home they wanted before theirs had sold, and did not want to be forced 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 timetable. The house sold better for it.
Their tax return did not tell the story.
A business owner had been with the same lender for years on a rate they knew was poor, because every attempt to move had been knocked back. On paper the taxable income looked modest, even though the business was turning over well and the cash flow was strong. We took it to a lender that reads self employed income properly rather than reading one line of a tax return. Repayments came down by $940 a month and the new structure makes the next borrowing much simpler.
These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.
Start here
Find your local mortgage broker
Each page covers what that suburb sells, what lenders do there, and what deposit you are likely to need.
Ashbury mortgage broker
2193
Bankstown mortgage broker
2200
Bass Hill mortgage broker
2197
Belmore mortgage broker
2192
Beverly Hills mortgage broker
2209
Campsie mortgage broker
2194
Canterbury mortgage broker
2193
Chester Hill mortgage broker
2162
Condell Park mortgage broker
2200
Croydon Park mortgage broker
2133
Earlwood mortgage broker
2206
East Hills mortgage broker
2213
Greenacre mortgage broker
2190
Kingsgrove mortgage broker
2208
Lakemba mortgage broker
2195
Padstow mortgage broker
2211
Panania mortgage broker
2213
Punchbowl mortgage broker
2196
Revesby mortgage broker
2212
Riverwood mortgage broker
2210
Roselands mortgage broker
2196
Yagoona mortgage broker
2199
See all 220+ suburbs we cover, or find a mortgage broker near you.
Extend, or move?
Work out the real cost.
Moving carries stamp duty and agent fees before you gain a room. We will show you what your equity would fund if you stayed.
Free guides
What to know before you buy
Twelve free guides covering how a Canterbury-Bankstown purchase actually runs, from pre-approval to settlement.
Home loan pre-approval
What pre-approval covers, how long it holds, and why it is not formal approval.
Read the guide
Pathways to home ownership
The routes into your first place, including the ones most buyers never hear about.
Read the guide
Deposit options
The different ways people pull a deposit together, and what each one costs you.
Read the guide
Budgeting for a deposit
How to work out what you can actually put aside, and how long it will take.
Read the guide
Genuine savings
What lenders count as your own money towards a deposit, and what they will not.
Read the guide
Loan to value ratio
The number that decides whether you pay LMI and how much you can release.
Read the guide
Lenders mortgage insurance
What LMI costs, who pays it, and the ways to avoid paying it at all.
Read the guide
Bank valuations
Lenders lend against the valuation, not the price you agreed to pay.
Read the guide
Buying off the plan
The gap between signing and settling, and what happens if the valuation lands low.
Read the guide
Buying land to build
How the loan works when you buy the block first and put the house up after.
Read the guide
Choosing a home loan
Fixed, variable, offset and redraw, and which of them suits what you are doing.
Read the guide
Settlement day
What happens at the end, and everything that has to be ready before it.
Read the guide
What we do
Home loans for every Canterbury-Bankstown plan
First home
Learn more
Next home
Learn more
Investment property loans
Learn more
Refinancing
Learn more
No LMI loans
Learn more
Self employed home loans
Learn more
Guarantor loans
Learn more
Using your equity
Learn more
Building loans
Learn more
Bridging loans
Learn more
Debt consolidation
Learn more
SMSF loans
Learn more
See all home loan help at Buyvest, or read the free guides in the Loan Vault. This is general information only, not personal financial advice.
When did you last
check your rate?
We compare your current home loan against more than 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 plenty of local buyers are on those lists. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.
Home loans for
Bankers
Home loans for
Lawyers
Home loans for
Accountants
Home loans for
Auditors
Home loans for
Actuaries
Home loans for
Doctors
Home loans for
Dentists
Home loans for
Optometrists
Home loans for
Physiotherapists
Home loans for
Chiropractors
Home loans for
Psychologists
Home loans for
Osteopaths
Home loans for
Podiatrists
Home loans for
Pharmacists
Home loans for
Sonographers
Home loans for
Veterinarians
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
Free check
We work out what you can borrow across 35+ lenders, and which ones suit the suburb and the kind of place you are buying.
2
Get pre-approved
We get your file ready and send it to the lender most likely to say yes to you and to your building.
3
Settle, then stay in touch
We stay with you to settlement, then keep an eye on your rate after that.
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
Canterbury-Bankstown questions, answered
Why use a mortgage broker in Canterbury-Bankstown?
A lot of households here run their own business, and self employed income is where a single bank most often gets it wrong. There are also a lot of older homes on generous blocks, where what you can do with the land changes the numbers, and a Metro conversion bringing new apartment stock that lenders treat carefully. Your bank has one answer to all of that. A broker has many. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Is it better to renovate or move?
It is worth doing the maths rather than the feeling. Moving is not just the price difference between the two houses. There is stamp duty on the one you buy and agent fees on the one you sell, and both are spent before you gain a single extra room. Renovating avoids both, though it brings its own risks around cost blowouts and living through it. What usually settles it is what your equity would actually fund, and that is a number we can put in front of you in a day.
Can I borrow to build a granny flat?
Often yes, and this region has the block sizes for it. Lenders will usually fund it against the equity in your home rather than as a separate loan, and a larger build is treated as construction, released in stages against a fixed price contract and council approval. Two things to know. Not every lender will count the future rent when working out what you can afford, and a granny flat does not always add its full cost to the valuation. Worth checking both before you commit.
Can I buy before I sell?
Often yes, and it is worth more than people think. Selling under a deadline is how you end up taking the first reasonable offer. 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. It depends on your equity and whether your income supports both loans for a period. Bridging finance is one route, and it is not always the only one.
My taxable income looks low but the business does well. Can I borrow?
Very likely, with the right lender. If you pay yourself modestly and leave profits in the business, or claim heavily and legitimately, one line of a tax return will undersell you badly. Some lenders will look through to the company accounts and count retained profits. Some will add back depreciation, one off costs and super contributions. A few will work from business bank statements instead. On identical figures those approaches produce very different answers, so which lender sees your file matters more than anything else.
How many years of tax returns do lenders want?
Usually two, and they often use the lower of the two years rather than the most recent. Some lenders will accept one year if the business is established, which helps a great deal if last year was your best year. A smaller group work from business bank statements or an accountant's declaration instead of returns. If your most recent year is much stronger than the one before it, the lender you choose can be worth a great deal of borrowing capacity.
Do lenders lend on new apartments near the future Metro?
Some are careful. New and off the plan stock around Bankstown and Campsie can count as high density with certain lenders, which caps how much they will lend on a unit there. Studios and small one bedders can fall under a lender's minimum size. Buying off the plan also carries the risk that the valuation at completion lands under the price you agreed to pay years earlier, and that gap is yours to cover in cash.
How much deposit do I need?
A 20% deposit avoids lenders mortgage insurance. This is one of the more affordable parts of Sydney, so that number is genuinely reachable here in a way it is not everywhere. Plenty of buyers get in with 5 or 10% and pay the insurance instead, some professions can skip it, and a family guarantor loan can cut the deposit further again. We work out your real number across our panel before you start looking.
Can I buy my first home with a 5% deposit?
If you are an eligible first home buyer, often yes. The Australian Government 5% Deposit Scheme lets you buy with a 5% deposit and pay no lenders mortgage insurance. Housing Australia guarantees the gap between your deposit and 20%, so the lender treats the loan as covered. It is a guarantee, not a grant, and the government takes no share of your home. Not every lender is approved to write these loans, and the rules are reviewed from time to time, so we check what applies to you before you start.
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 funds a renovation, a granny flat, a deposit on the next home, or an investment purchase. Because it moves with your valuation, and valuations differ between lenders, it is worth checking properly rather than guessing off a listing website.
How much does it cost to refinance a home loan?
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 those can be large, so they get checked first. The real question is whether the saving over the next couple of years clears the cost.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans and its own way of reading your income. If you are self employed, that single reading is often the whole difference between yes and no, and staying loyal to a lender who once said no keeps you on a rate you should not be paying. A broker knows which lenders look at the whole picture. Buyvest compares more than 35 lenders at $0 cost to you.
Your Canterbury-Bankstown mortgage broker
Your home loan. Made simple.
Free check. No pressure. More than 35 lenders compared at $0 cost to you.
Buyvest serves every suburb across Canterbury-Bankstown: Ashbury mortgage broker | Bankstown mortgage broker | Bass Hill mortgage broker | Belmore mortgage broker | Beverly Hills mortgage broker | Campsie mortgage broker | Canterbury mortgage broker | Chester Hill mortgage broker | Condell Park mortgage broker | Croydon Park mortgage broker | Earlwood mortgage broker | East Hills mortgage broker | Greenacre mortgage broker | Kingsgrove mortgage broker | Lakemba mortgage broker | Padstow mortgage broker | Panania mortgage broker | Punchbowl mortgage broker | Revesby mortgage broker | Riverwood mortgage broker | Roselands mortgage broker | Yagoona mortgage broker