Cronulla mortgage broker

Cronulla mortgage broker

A mortgage broker
who knows Cronulla.

Home loans in Cronulla 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 Cronulla

Each one runs differently here, because Cronulla is the Shire’s premier beach suburb, the only Sydney beach with a train, where prestige houses sit above a busy unit market by the sand.

First home loans in Cronulla
In Cronulla a first home is almost always a unit, because the beachside houses run into the millions while the apartment market is far more reachable and close to the sand. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Cronulla units sit under it while others sit above. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down by the beach.
Buying your next home in Cronulla
The step from a Cronulla unit to a beachside house is a big one, because houses here are scarce and expensive. Some people upgrade within Cronulla as families grow. Others keep the unit, which rents well by the beach, and buy the house nearby in Woolooware, Burraneer or Caringbah. 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 Cronulla
Cronulla's unit market rents strongly thanks to the beach, the train and steady holiday and tenant demand, with unit yields firmer than the houses, which return little on rent near 2%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work, while a house leans more on your income and is a lifestyle and capital play. Keeping the new loan separate from the home loan matters for tax, so speak with your accountant early.
Refinancing a Cronulla home loan
At Cronulla loan sizes, 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 Cronulla 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 Cronulla

What the 2230 market actually looks like

History of Cronulla
Cronulla grew from a seaside holiday spot into the Shire's premier beach suburb, its name from an Aboriginal word said to mean place of pink seashells. Uniquely among Sydney's beaches it has its own train line, and today it mixes a busy beachside town centre and apartment market with prestige homes on the surrounding peninsulas.
Cronulla property market
Cronulla runs a busy unit market beneath its prestige houses. Apartments near the beach and the town centre trade actively and give first buyers and investors a way in, while houses on the bays and peninsulas sit at the top of the Shire market. The beach, the train and the lifestyle keep demand firm across both ends.
Cronulla property prices
Houses sit around $3.5 million, among the priciest in the Shire, with roughly 97 sold in a year, while units are far more reachable, near $986,000, and trade in good numbers. House yields are low, near 2%, while units run higher, so the unit market is the accessible and income friendly end here.
Borrowing in Cronulla
On a house you are past the loan size where lenders add their own checks, and beachside homes can value in a wide range. On a unit the building decides it, and older beachfront blocks or those with short term letting raise a few questions. Send us the address before you offer and we will flag anything a lender is likely to catch.

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

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 Cronulla, 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 Cronulla

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

The scheme they already qualified for.

A couple renting near Cronulla beach had saved a 5% deposit and assumed years more waiting lay ahead. What they had not realised was that they were eligible for the Australian Government 5% Deposit Scheme, which let them buy a Cronulla unit that came under the property price cap with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for a buffer. The wait they had braced for simply did not need to happen.

Rent counted, and the loan cleared.

An investor wanted a Cronulla unit and their bank said the borrowing did not quite stack up, because of how it treated rental income. Given the strong beach and holiday demand, the local rent is genuinely reliable, so we moved the application to a lender that counted a higher share of it towards serviceability. Same purchase, same rent, assessed differently, and it cleared comfortably. Which lender reads the rent often decides these deals.

A beachfront block, valued properly.

They were buying a Cronulla home near the water, and the first lender's valuation came back cautious for a beachside property. Rather than accept it and find more cash, we ran it through a lender whose valuer knew the Cronulla market and what beachside homes fetch here. The second figure landed closer to the price, kept their deposit where they planned it, and the purchase settled on the agreed terms. A different valuer can see the same home very differently.

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 Cronulla 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 Cronulla 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

Cronulla 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 Cronulla a first home is almost always a unit, because the beachside houses run into the millions while the apartment market is far more reachable and close to the sand. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a number of Cronulla units sit under the scheme's property price cap. Which options apply depends on your income, your job and the property, and those rules change over time, so the best next step is a quick call where we go through your situation and tell you where you stand today.
Can you help me buy my next home?
Yes. In Cronulla the step from a unit to a beachside house is a big one, because houses here are scarce and expensive, but the move is doable in stages. Some people upgrade within Cronulla, others keep the unit as a rental, which rents well by the beach, and buy the house nearby in Woolooware or Burraneer. 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. With Cronulla loans running large, a rate even slightly off the market can cost thousands a year, yet many owners never revisit the loan after settling. A refinance is where the rate, the structure and the years remaining all get a fresh look together. Because a figure named today is stale within weeks, the practical step is a call, where we compare your loan across 35+ lenders and say plainly whether a move is worthwhile.
Can you help me access equity or get a better rate?
Yes. If your Cronulla home has grown in value, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently turns up a sharper rate along the way. Beachside homes can value in a wide range between lenders, so how much is usable depends on a current valuation and your position. Because those figures move, the most useful thing is a quick call where we work out what is genuinely available to you today rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. An investment can be funded from cash, from the equity in a property you already own, or a combination, and how it is set up matters for clean finances and for the tax later. In Cronulla the apartments, backed by strong beach and holiday rental demand, are the genuine investment play, while the houses return little on rent and are really about lifestyle and long term value. Talk to your accountant on the tax and to us on the lending.
Do you offer digital appointments and virtual meetings for customers based in Cronulla?
Yes. A good number of Cronulla clients run the whole loan by phone, Zoom or Teams and sign everything securely online through to settlement, which saves finding a gap to come in. If you would rather meet in person, we are happy to come to you, on weeknights or weekends. Just tell us which you prefer and we will set the loan up around that.

Your Cronulla 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

Cronulla does not sit on its own. It sits at the coast beside Woolooware and Burraneer, with Greenhills Beach and Caringbah to the north and Bundeena across Port Hacking. Miranda and Taren Point sit inland. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.