Cranebrook mortgage broker

Cranebrook mortgage broker

A mortgage broker
who knows Cranebrook.

Home loans in Cranebrook 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 Cranebrook

Each one runs a little differently here, because Cranebrook is a family estate suburb north of the Penrith centre, detached homes and newer estates beside the regatta lakes and the river.

First home loans in Cranebrook
Good news for a first home buyer, because most standard family homes here sit under the 5% Deposit Scheme cap, so a whole house on a 5% deposit with no lenders mortgage insurance is realistic. Larger new estate homes and the semi rural blocks to the north can sit over it, so which route fits your deposit is exactly what we work out.
Buying your next home in Cranebrook
This is family estate country beside the lakes, so the move is often a first home to a bigger family home with room to grow. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up. A larger block with granny flat or duplex potential changes the numbers again.
Investment property loans in Cranebrook
An affordable family market with a strong owner occupier base and a lifestyle draw in the regatta lakes and the river. Lenders count expected rent towards what you can afford, so the numbers often work. On a house a granny flat or second dwelling can add rent that some lenders count and others will not, and that difference can decide the purchase.
Refinancing a Cranebrook 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 duplex, 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 Cranebrook home with less than a 20% deposit, and because most standard family homes here sit under the 5% Deposit Scheme cap, a whole house on a 5% deposit is on the table. We can work through which route fits before you start looking.

0426 002 202 Let's meet
About Cranebrook

What the 2749 market actually looks like

History of Cranebrook
Named after James McCarthy's Crane Brook farm, granted in 1804 and named for the cranes in the area, Cranebrook is home to one of Australia's oldest Catholic cemeteries. It sits north of the Penrith centre, reached by The Northern Road and Castlereagh Road, with no station of its own, and looks west to the Nepean River and the rehabilitated regatta lakes.
Cranebrook property market
A predominantly residential family suburb, mostly detached houses and some medium density, with estate style pockets and semi rural blocks to the north. Houses hold the value and drive the market, and the water and recreation lands give the suburb its lifestyle draw.
How we help in Cranebrook
A family and upgrader suburb, so we know the moves that matter. We work out whether a home sits under the 5% Deposit Scheme cap, set up bridging so a growing family can buy the next home before selling, and structure the loan cleanly when a first home is kept and rented. With no station here, much of it runs by phone and video. We compare 35+ lenders at no cost to you.
Borrowing in Cranebrook
Mostly good news for a first home buyer, because most standard family homes sit under the 5% Deposit Scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is realistic. Larger new estate homes and the semi rural blocks to the north can sit over it, and larger blocks bring granny flat and duplex potential. Send us the address before you offer.

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

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 Cranebrook, 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 Cranebrook

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

Kept the first home, bought the next.

An upgrading family had outgrown their Cranebrook home but did not want to sell it. We released equity from it for the deposit on a larger house nearby, set the two loans and securities up cleanly so each stood on its own, and rented the first out to a local family. They ended up with the bigger home and an investment, in the one move.

Buying first, selling after.

A family found the larger Cranebrook home they wanted before their own had sold. We worked out their borrowing assuming the current home was still on the market, arranged a short bridging facility so they could buy first and move once, and the bridge closed when the sale settled. In a suburb where the right home is rare, buying first was the way to secure it.

The block that took a granny flat.

They had a decent Cranebrook block and built a granny flat, both for family and for the rent. We released equity from the home for the build and set up a small staged facility, then, once it was tenanted, a portion of that rent counted towards servicing with the right lender. The block did double duty, for the family and for the loan.

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 Cranebrook 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 Cranebrook 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

Cranebrook 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 Cranebrook?
Cranebrook is a solid first home buyer market, because most standard family homes here sit under the 5% Deposit Scheme cap, so a whole house, not just a unit, is realistic on a 5% deposit with no lenders mortgage insurance. Larger new estate homes and the semi rural blocks to the north can sit over the cap, so we check the property early. We look at your income, your deposit and what lenders will count, then get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Cranebrook 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. Cranebrook is a common upgrade suburb for growing families, so this comes up a lot. Buying first suits a thin market where the right home is rare; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Cranebrook 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 looked at 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. 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 is the natural moment to move to a lower rate and release some of the equity you have built, 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 lender with the sharpest rate is not always the one that values your home highest. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Cranebrook 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 so the properties are not tied together. Cranebrook family homes rent steadily in a lifestyle suburb near the lakes, so lenders count that expected rent, and on a house a granny flat can add rent too, though only some lenders count it. 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 Cranebrook 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 changes nothing about how we work.
Should I buy my next home in Cranebrook before I sell, or sell first?
Both work, and the right order depends on your position. Buying first, usually with bridging finance, means you secure the home you want in a tight market and move once, but you carry both for a short while. Selling first means you know exactly what you have to spend and carry no overlap, though you may need somewhere to live in between. We price both paths for you, bridging included, so you choose with the numbers in front of you rather than guessing.
Can I keep my current home as an investment when I buy the next one?
Often, yes, and it is a common way to end up with a second property. Instead of selling, you release equity from your current home for the deposit on the next one and rent the first out, with the two loans and securities set up cleanly so each stands on its own. Whether it works comes down to your borrowing capacity with the existing loan still in place and how the rent is counted. We model it both ways, keeping it and selling it, and because keeping it has tax effects, that part is worth a word with your accountant.
Can I take my existing loan with me when I move, or should I refinance?
Some loans can be ported, meaning the same loan moves to the new property, which can save on a few costs, but it is not always the sharpest option once you look at the whole market. Moving up usually means borrowing more, so it is a good moment to compare your current lender against the rest rather than assume porting is best. We weigh what porting would cost against a fresh loan, factor in any break costs, and show you which comes out ahead for the move you are making.

Your Cranebrook 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

Cranebrook sits north of the Penrith centre in Penrith, and it does not sit on its own. Jordan Springs is close by, with the Penrith CBD, Cambridge Gardens and Werrington Downs a short run south. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.