Collaroy mortgage broker

Collaroy mortgage broker

A mortgage broker
who knows Collaroy.

Home loans in Collaroy 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 Collaroy

Each one runs differently here, because Collaroy splits between a premium beachfront market and the more reachable plateau and unit stock behind it.

First home loans in Collaroy
In Collaroy the way in for a first home is usually a unit, because the beachfront and plateau houses run into the millions while the apartment market is more reachable. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Collaroy units sit under it. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down near the beach.
Buying your next home in Collaroy
The step from a Collaroy unit to a house is a real one, whether that is a beachfront home or a house up on the plateau with district views. Some people upgrade within Collaroy as families grow. Others keep the unit, rent it out and buy the house in Narrabeen, Dee Why or on the plateau. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the two settlements will not line up.
Investment property loans in Collaroy
Collaroy rents steadily thanks to the beach and the walk to the water, with the apartment market doing most of the investment work at yields around 2.5%. Lenders count expected rent towards what you can afford, so that rent does real work while your income carries the rest. Beachfront houses lean more on your income. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Collaroy home loan
At Collaroy beachside prices, a small rate difference is worth real money each year, and many loans here have not been repriced since they settled. Equity can fund a renovation, a deposit on the next 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 you leave the loan 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 a few ways into a Collaroy apartment with less than a 20% deposit, and some suit this market better than others. We can walk you through them before you start inspecting.

0426 002 202 Let's meet
About Collaroy

What the 2097 market actually looks like

History of Collaroy
Collaroy takes its name from a steamer that ran aground on the beach in the 1880s. It grew as a beachside holiday and residential suburb where the peninsula meets the northern beaches, known today for its long beach, the rock pool, and the split between the flat beachfront and the plateau rising behind it.
Collaroy property market
Collaroy runs a premium beachfront market alongside more reachable plateau homes and apartments. Beachfront houses sit at the top and trade steadily, while the plateau and unit stock behind gives first buyers and investors an entry point. The beach and the walk to the water keep demand firm across both.
Collaroy property prices
Houses sit around $3.5 to $3.8 million, with roughly 55 sold in a year, the beachfront at a premium over the plateau behind. Units are more reachable and do most of the entry level trading. Yields sit near 2.5%, a lifestyle and capital market with the unit end the more accessible way in.
Borrowing in Collaroy
On a beachfront house you are past the loan size where lenders add their own checks, and beachfront homes can draw a cautious valuation from some lenders given their exposure. On a unit the building decides it, and older beachside blocks raise a few questions. Send us the address before you offer.

Whether it is a beachfront house or a unit, 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, mortgage broker for Collaroy, 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 Collaroy

Three real situations, each one that moved from stuck to sorted with the right lender.

The unit that got them in.

A first home buyer wanted to be near Collaroy beach but a house was well out of reach. We looked at the apartment market instead, found a unit under the property price cap for the Australian Government 5% Deposit Scheme, and they bought with a 5% deposit and no lenders mortgage insurance. They were in near the beach far sooner than they expected, savings kept back as a buffer, with a plan to trade up to a house later.

A guarantee released at last.

Years earlier a couple had bought their first Collaroy unit with a parent's home as extra security. The loan had since come down and the unit had risen, but the guarantee was still on the parents' title, quietly limiting them. We had the property revalued, showed the loan was comfortably under the level that needed support, and arranged the release. The parents came off the loan entirely, without a dollar changing hands.

A beachfront valuation, worked around.

They were buying a Collaroy beachfront home and the first lender's valuation came back cautious, as exposed beachfront homes sometimes do. Rather than accept it, we ran the property through a lender whose panel valuer knew the beachfront and its recent sales. The second figure landed closer to the price, kept their deposit where they planned it, and the purchase settled on the terms they had agreed.

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 Collaroy 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 Collaroy 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

Collaroy 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. In Collaroy the way in for a first home is usually a unit, because the beachfront and plateau houses run into the millions while the apartment market is more reachable. 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 best next step is a quick call where we go through your situation and tell you exactly where you stand today.
Can you help me buy my next home?
Yes. In Collaroy the step from a unit to a house is a real one, whether that is a beachfront home or a house up on the plateau. Some people upgrade within Collaroy, others keep the unit as a rental and buy the house nearby. Whether you sell first or buy first changes how the loan is built, and bridging finance covers the gap when timing does not line up. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. Collaroy is a premium beachside market, so at these loan sizes even a small rate difference adds up over a year, and many loans here have not been reviewed since they settled. A refinance is the moment to look at the rate, the structure and the years left on the loan together, not just the front 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 loan against 35+ lenders.
Can you help me access equity or get a better rate?
Yes. Growth in your Collaroy home's value means the equity in it can often be put to work, on a renovation, a further purchase or a reshaping of your lending, and the same review often surfaces a keener rate alongside. What is usable turns on a current valuation and your position, and beachfront homes in particular can be valued very differently from one lender to the next. Since those numbers move, a short call is the surest way to pin down what you actually have available now.
Can you help me buy an investment property, using equity or cash?
Yes. You might fund an investment from cash, from equity built up in a property you already hold, or a combination, and how it is set up matters both for keeping things clean and for the tax treatment later. Collaroy's apartments and reliable beachside tenant demand make the unit end a real investment option, while beachfront houses are more about lifestyle and long term value than yield. Talk to your accountant on tax, and to us on the lending so the structure is right from the start.
Do you offer digital appointments and virtual meetings?
Yes, and for a lot of Collaroy clients it is the easiest way to work. A phone, Zoom or Teams session fits around work and family and saves the drive, and the entire loan can run this way, from first conversation through to settlement, with documents signed securely online. Prefer to meet face to face? We will come to you, evenings and weekends included. Get in touch and we will arrange whichever suits you, on screen or in person.

Your Collaroy 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

Collaroy does not sit on its own. It runs along the coast between Narrabeen to the north and Dee Why to the south, with Collaroy Plateau rising behind it and Warriewood and Mona Vale up the peninsula. The coast continues through Dee Why towards Manly, and Newport sits further north. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.