Constitution Hill mortgage broker

Constitution Hill mortgage broker

A mortgage broker
who knows Constitution Hill.

Home loans in Constitution Hill 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 Constitution Hill

Each one runs a little differently here, because Constitution Hill is a small, quiet house pocket between Toongabbie and Wentworthville, with no station of its own and almost no units.

First home loans in Constitution Hill
Houses here sit above the first home scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. The other common route is a unit in Toongabbie or Wentworthville nearby, which sits under the cap and can be bought on a 5% deposit with no lenders mortgage insurance. We work out which route fits, and line up the right lender, before you start looking.
Buying your next home in Constitution Hill
This is upgrader country, quiet and tightly held, so a clear number and a fast pre-approval matter when the right home comes up. Bridging finance covers the gap when it appears before yours has sold. A larger block with granny flat or duplex potential changes how the loan is built and suits the family households here.
Investment property loans in Constitution Hill
Most people buy here to live, and it is not a high income market, so the more common move is releasing equity from a Constitution Hill home to buy an investment in a higher yielding suburb, keeping the securities separate. A granny flat on a larger block can add income the right lender will count. That part touches tax, so run it past your accountant early.
Refinancing a Constitution Hill home loan
This is where most people find a quick win. As your value grows and your balance comes down, the equity in your place is often 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, a granny flat, a deposit elsewhere, or release a parent's home used as security.

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 Constitution Hill home with less than a 20% deposit, and because the houses here sit above the first home scheme cap, a guarantor, a professional waiver or a unit under the cap nearby is usually the key. We can work through it before you start looking, by phone or video if that suits.

0426 002 202 Let's meet
About Constitution Hill

What the 2145 market actually looks like

History of Constitution Hill
A small residential pocket about twenty four kilometres west of the city and a few minutes north west of Parramatta, taking its name from a colonial era locality. There is no station, so buses and the nearby Toongabbie and Wentworthville stations carry the trips, and a lot of the loan can be done by phone and video.
Constitution Hill property market
A house suburb almost end to end, quiet and tightly held, with very few units. Families move in and stay, so little comes up in any given year, and what does can move quickly once it appears.
How we help in Constitution Hill
In a small, tightly held suburb, being ready is half the battle. We get your pre-approval sorted so you can move when a home appears, work out whether an old family guarantee can come off, and compare 35+ lenders at no cost to you, all of it by phone and video if that suits, since there is no branch to visit here anyway.
Borrowing in Constitution Hill
Mostly about houses, at a loan size above the first home scheme cap, where lenders start applying their own checks. Larger blocks bring granny flat and duplex potential. With no station here, a lot of clients do the whole thing by phone and video. Send us the address before you offer and we will tell you where you stand.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across Western Sydney.

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 Constitution Hill, 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 Constitution Hill

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

The upgrade held together with bridging.

The right Constitution Hill home came up before theirs had sold, and in a suburb this tightly held they did not want to lose it. We worked out their borrowing assuming the current place was still unsold, arranged a short bridging period secured over both, and timed the settlements close together. They secured the home without a rushed sale of the one they were leaving.

Done by video, between school runs.

A busy family could not make branch appointments, and with no station nearby that mattered. We ran the whole loan by phone and video in the evenings, worked out their borrowing, and had the approval in place without them taking a day off work. Distance and a full week changed nothing about how it got done.

The block that made room for family.

A multigenerational family wanted the grandparents close but not under the same roof. We looked at their larger Constitution Hill block, released equity from the home and set up a staged facility to build a granny flat at the rear. It kept everyone on the one property, and down the track the flat can bring in rent that some lenders will count.

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 Constitution Hill 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 Constitution Hill 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

Constitution Hill 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 Constitution Hill?
Constitution Hill houses sit above the first home scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. The other common route is a unit in Toongabbie or Wentworthville nearby, which sits under the cap and can be bought on a 5% deposit with no lenders mortgage insurance. We look at your income, your deposit and what lenders will count, then get you pre-approved and work out which route fits. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Constitution Hill 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. Constitution Hill is quiet and tightly held, so when the right home comes up, buying first can be the way to secure it; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Constitution Hill home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is a rate that has not been reviewed in years, or a guarantee over a parent's home still sitting there long after it was needed. As your value grows and your balance falls, the equity in your place may be well past what you think, and that can fund a renovation or a deposit elsewhere. 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. 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. The catch is the valuation, which differs between lenders, 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 using the equity in my Constitution Hill home?
Yes, and here it is often the sensible way to do it. It is not a high income market to buy in directly, so many owners release equity from their home for the deposit and costs and buy in a higher yielding suburb instead, keeping the two securities separate. Lenders count the expected rent on the investment 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, and with no station in Constitution Hill a lot of clients rely on them. 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 distance and a busy week change nothing about how we work.
Can refinancing actually lower my repayments in Constitution Hill?
It often can, and there is usually more than one lever. A sharper rate is the obvious one, but resetting the loan term, or dropping products and fees you are paying for and not using, can help too, and sometimes the biggest saving is simply moving off a rate that has drifted while you were not looking. We compare your current loan against the whole panel, and if the repayment comes down we show you exactly where the saving comes from, including the case where staying put is actually the better call.
Can I refinance to release equity for a renovation or the next purchase?
Yes, and it is one of the most common reasons people refinance. We release the usable equity you have built, broadly the current value less what you owe, and set it up to fund a renovation, a granny flat, a deposit on the next home or an investment. Because the amount depends on the valuation, and valuations differ between lenders, the lender with the sharpest rate is not always the one that frees up the most, so we weigh both together rather than chasing the rate alone.
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, and restructuring can also lift your borrowing capacity 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 over time even at a lower rate, so we structure it to avoid that and show you the numbers first.

Your Constitution Hill 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

Constitution Hill sits between Toongabbie and Wentworthville in Western Sydney, and it does not sit on its own. Pendle Hill and Northmead are close by, with Greystanes to the south and Parramatta and the Westmead health precinct a short run east. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.