Croydon Park mortgage broker

Croydon Park mortgage broker

A mortgage broker
who knows Croydon Park.

Home loans in Croydon Park 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 Croydon Park

Each one runs a little differently here, because Croydon Park is a leafy inner west suburb of character houses on generous blocks, with only a smaller pocket of units and no station of its own.

First home loans in Croydon Park
Croydon Park houses sit well above the first home scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. Units here sit under the cap, so the Australian Government 5% Deposit Scheme, set at $1.5 million across Sydney, can put a unit within reach on a 5% deposit with no lenders mortgage insurance. We work out which route fits before you start looking.
Buying your next home in Croydon Park
This is upgrader country, full of period homes on wide blocks, so the move is often a smaller house or a unit to a larger character home. 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 duplex or granny flat potential changes the numbers again.
Investment property loans in Croydon Park
Most people buy in Croydon Park to live, and with house yields near 2% it is not a high income market. Many owners release equity from a Croydon Park home to buy an investment in a higher yielding suburb, keeping the securities separate. Units near the edges rent better, and 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 Croydon Park home loan
This is where most people find a quick win. Values here have held up well, so 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 Croydon Park 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 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 Croydon Park

What the 2133 market actually looks like

History of Croydon Park
An inner west pocket about ten kilometres south west of the city, known for its Federation and Californian bungalow homes on wide blocks and a strong Italian, Greek and Chinese heritage. There is no station in Croydon Park, so buses and nearby Croydon, Ashfield and Campsie carry the trips, with the shops along Georges River Road.
Croydon Park property market
A house suburb first, on generous blocks, with only a smaller run of low rise units near the edges. Character homes and leafy streets keep it tightly held, so houses hold their value and turnover is modest across the year.
Croydon Park property prices
Houses sit above $2 million on a low gross yield around 2%, with units closer to $780,000 to $800,000 on a stronger yield near 3.7%. Houses make up most of the sales, and the period homes rarely come up cheaply, so a ready buyer has the edge.
Borrowing in Croydon Park
Mostly about houses, at a loan size where lenders start applying their own checks, and above the first home scheme cap. Period and character homes bring their own valuation questions, and larger blocks bring duplex or granny flat potential. With no station here, a lot of clients do the whole thing by phone and video. 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 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 Croydon Park, 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 Croydon Park

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

The guarantor that opened the door.

A first home buyer had good income but the Croydon Park character home they wanted sat above the deposit they could reach, and above the government scheme cap. Their parents wanted to help without handing over cash. We used a limited guarantee against part of the parents' equity, which meant no lenders mortgage insurance and no money changing hands. A few years on, with the value up and the balance down, the guarantee was released.

Two incomes the bank read differently.

A couple with strong but partly self employed income found their own bank capped what it would lend for the Croydon Park house they wanted. We took the file to a lender who worked from the most recent year and added back the depreciation and one off costs. What they could borrow rose enough to buy, on the same numbers the first bank had already seen.

The rate they had never questioned.

They had been in the same home loan for years and never looked at it again, and the rate had drifted well above what was on offer. We compared it against the panel, moved lenders, and brought the repayment down without stretching the loan term out. Nothing about their situation had changed. The rate simply had, and no one had told them.

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 Croydon Park 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 Croydon Park 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

Croydon Park 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 Croydon Park?
Croydon Park 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. Units here sit under the cap, so the Australian Government 5% Deposit Scheme, at $1.5 million across Sydney, can put a unit within reach 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 Croydon Park 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. Croydon Park period homes are tightly held and come up rarely, so buying first can be the way to secure the right one; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Croydon Park 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. Croydon Park values have held, so 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, and on a Croydon Park home the equity can be substantial. 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 and can be cautious on a period or character home with few comparables, 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 Croydon Park home?
Yes, and here it is often the sensible way to do it. Local house yields near 2% make a Croydon Park investment hard to stack up, 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 Croydon Park 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 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 fund a renovation, a duplex or a granny flat?
Yes, and on Croydon Park's generous blocks this is a common reason to refinance. Releasing equity from the home can fund a renovation, a granny flat, or the early costs of a duplex build, often more cheaply than a separate loan. A construction or staged facility may suit a bigger build, drawing down as the work is done. We look at the equity you have, what the finished value is likely to be, and structure the borrowing so the rate and the works sit in one place.
Can I refinance to release a family guarantee over my parents' home?
Usually, yes, once enough equity has built up. Plenty of people bought their first place with a parent's home as security and never revisited it. As your property rises in value and the balance comes down, you often reach the point where the guarantee is no longer needed. We refinance the loan, release the parents' property from the mortgage, and can look at the rate and structure at the same time. Croydon Park values have held, so it is worth checking where an old guarantee stands.

Your Croydon Park 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

Croydon Park sits on the inner western edge of the Canterbury-Bankstown, and it does not sit on its own. Ashbury and Canterbury are next door toward the river, with Campsie and Belmore a little further along the line and Earlwood to the south. Lakemba and Roselands sit beyond. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.