Dee Why mortgage broker

Dee Why mortgage broker

A mortgage broker
who knows Dee Why.

Home loans in Dee Why 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 Dee Why

Each one runs differently here, because Dee Why has the biggest and busiest apartment market on the beaches, alongside a solid pool of houses.

First home loans in Dee Why
Dee Why is one of the best entry points on the beaches for a first home, because it has the largest and most active apartment market in the area. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a good number of Dee Why 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 to something reachable near the beach.
Buying your next home in Dee Why
The step from a Dee Why unit to a house is a real one, and many people take it here because the suburb has both an active apartment market and a solid pool of houses. Some upgrade within Dee Why as families grow. Others keep the unit, rent it out and buy the house nearby or up 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 Dee Why
Dee Why has some of the strongest unit yields and deepest rental demand on the beaches, near 4% on units, helped by the beach, the town centre and the B-Line. Lenders count expected rent towards what you can afford, so that rent does real work while your income carries the rest. Some larger or investor heavy blocks draw extra lender questions. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Dee Why home loan
Values here have moved about, so the equity in your place may be different from what you assume. That figure can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security on your loan. 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 where it is.

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 Dee Why 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 Dee Why

What the 2099 market actually looks like

History of Dee Why
Dee Why grew around its beach, lagoon and headland, its unusual name appearing on early survey maps of the area. Long a working beach suburb, it has grown into one of the main town centres on the northern beaches, with a dense apartment core, a busy shopping strip and the B-Line bus linking it straight to the city.
Dee Why property market
Dee Why runs the biggest and busiest apartment market on the beaches. Older and newer blocks near the beach and town centre trade constantly and make up the bulk of sales, while a solid pool of houses sits behind on the plateau and side streets. That depth makes it a natural home for first buyers and investors.
Dee Why property prices
Houses sit around $2.8 million, with roughly 63 sold in a year, while units trade in huge numbers, over 560 in the same period, and are far more reachable. Unit yields run near 4%, among the strongest on the beaches, so this is one of the most active entry level and investment markets in the area.
Borrowing in Dee Why
On a house you are often near the loan size where lenders start adding checks, keeping options open. On a unit the building decides it, and Dee Why has plenty of larger and older blocks, some investor heavy, that certain lenders treat cautiously or cap their exposure in. Send us the address before you offer.

Whether it is a unit or a house, 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 Dee Why, 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 Dee Why

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 the Dee Why town centre 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 Dee Why unit with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for moving costs and a buffer. The wait they had braced for simply did not need to happen.

A block one lender would not touch.

An investor wanted a unit in a large Dee Why block and their own lender declined, pointing to how many loans it already held in that one building. Nothing was wrong with the borrower or the apartment. We placed the loan with a different lender that had no concentration issue there, and the purchase went ahead. In a suburb full of big blocks, which lender you use can decide whether an apartment is financeable at all.

Rent that made the numbers work.

An investor wanted a Dee Why unit and their bank said the borrowing fell just short. The issue was how that lender treated rental income, and Dee Why's strong unit yields make the local rent do real work. We moved the application to a lender that counted a higher share of the rent towards serviceability. Same purchase, same rent, assessed differently, and it cleared. Which lender reads the rent often decides these deals.

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 Dee Why 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 Dee Why 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

Dee Why 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, and Dee Why is one of the best spots on the beaches for a first home, because it has the largest and most active apartment market in the area, so there is a genuine entry point here. 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 Dee Why the step from a unit to a house is a real one, and many people take it here because the suburb has both an active apartment market and a solid pool of houses. Some upgrade within Dee Why, 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. With Dee Why values shifting around of late, the loan you arranged a while back might no longer be the keenest on offer, and refinancing is your chance to weigh the whole thing at once, the rate, how it is structured and the years still to run, rather than just the number out front. Because rates and lender criteria keep changing, a figure quoted today ages fast, so the sensible step is a call where we run your loan past 35+ lenders and tell you plainly whether a switch is worth making.
Can you help me access equity or get a better rate?
Yes. If your Dee Why 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. How much is usable depends on a current valuation and your position, and in a busy market that figure can move. Because of that, 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. Cash, equity built up in a property you already own, or a blend of the two can each fund an investment, and setting it up well matters both for clean finances and for the tax outcome later. With some of the strongest unit yields and deepest rental demand on the beaches, Dee Why apartments genuinely stack up for investors, and your equity here can just as easily buy elsewhere. Bring your accountant in on the tax, and us in on the lending, so the structure is right from the outset.
Do you offer digital appointments and virtual meetings?
Yes, and for many Dee Why clients it is simply the easiest way to work. A phone, Zoom or Teams appointment fits around a busy schedule and spares you the trip, and the entire loan can run this way, from the opening conversation to settlement, with paperwork signed securely online. Would you rather meet face to face? We will come to you, evenings and weekends included. Get in touch and we will arrange whichever suits you best.

Your Dee Why 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

Dee Why does not sit on its own. It anchors the middle of the beaches, with Collaroy and Narrabeen up the coast and Brookvale and Freshwater towards Manly to the south. Curl Curl and Cromer sit close by, and the B-Line runs straight from the town centre to the city. Warriewood and Mona Vale continue up the peninsula. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.