Canterbury mortgage broker

Canterbury mortgage broker

A mortgage broker
who knows Canterbury.

Home loans in Canterbury 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 Canterbury

Each one runs a little differently here, because Canterbury is an apartment market along the river and the main road, a renewing corridor around the station with a smaller run of houses behind.

First home loans in Canterbury
This is one of the best gateways into home ownership this close to the city, 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 Canterbury 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 Canterbury
The step from a Canterbury unit to a Canterbury 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 Canterbury
A strong rental market beside the Cooks River and close to the city, with units returning close to 5%. 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, plus the racecourse redevelopment, is on the way.
Refinancing a Canterbury home loan
This is where most people find a quick win. Values are moving as the metro line and the Canterbury Road corridor 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 Canterbury 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 Canterbury

What the 2193 market actually looks like

History of Canterbury
Named after Canterbury in Kent, it is one of Sydney's older districts, about ten kilometres south west of the city on the Cooks River. The old rail line is being converted into a Sydney Metro, the Canterbury Road corridor is being renewed, and the former racecourse is a major redevelopment site.
Canterbury property market
An apartment market first, gathered along the river and Canterbury Road, with older houses behind. Units trade far more often than houses, around three in four sales, and a large pipeline of new apartments and the racecourse redevelopment mean the unit market keeps growing.
Canterbury property prices
Houses sit near $1.9 million on a low gross yield around 2.5%, while units sit near $730,000 on a much stronger yield near 5%. At that level the units are one of the more affordable ways into a purchase this close to the city, and they make up most of what trades.
Borrowing in Canterbury
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 Canterbury, 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 Canterbury

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

First home by the river, 5% down.

A first home buyer loved Canterbury for the river paths and the quick run to the city but assumed a purchase was still years away. Their unit 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 tower the bank had maxed out.

They had found a unit in a large Canterbury block, and their bank declined it, pointing to how much it had already lent in that building. Same buyer, same deposit, same income. We placed the loan with a lender who had no exposure cap on that address, and it was approved. Which lender sees the building can matter as much as which lender sees you.

The reset before the cliff.

An investor's interest only period on a Canterbury unit was about to end, with the repayment set to jump sharply. Their lender offered nothing useful. We refinanced, negotiated a sharper rate and staggered the loan so the change did not land all at once. The jump came down to a fraction of what it was, which bought time to work on the cash flow.

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 Canterbury 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 Canterbury 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.

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Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and lend a higher share of the price 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

Canterbury 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 Canterbury?
Units are the usual way in, and Canterbury has one of the deepest and most affordable unit markets this close to the city. 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 Canterbury 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 Canterbury 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 Canterbury 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 Canterbury Road corridor 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 Canterbury 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. Canterbury units rent strongly, near 5%, helped by the river, the city access 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 Canterbury 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 Canterbury 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 Canterbury 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

Canterbury sits on the metro line beside the Cooks River in the Canterbury-Bankstown, and it does not sit on its own. Campsie and Belmore run toward the centre at Bankstown one way, and Ashbury and Croydon Park sit just across the river, with Lakemba, Roselands and Kingsgrove beyond. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.