Earlwood mortgage broker

Earlwood mortgage broker

A mortgage broker
who knows Earlwood.

Home loans in Earlwood 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 Earlwood

Each one runs a little differently here, because Earlwood is a hilly house suburb above the Cooks River, where city and water views carry a premium and units are the exception rather than the rule.

First home loans in Earlwood
Earlwood 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 Earlwood
This is upgrader and prestige territory, where a view can set one home well apart from another. Stock is 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, and a hilly block with duplex or granny flat potential changes how the loan is built.
Investment property loans in Earlwood
Most people buy in Earlwood to live, and with house yields near 2.3% it is not a high income market. Many owners release equity from an Earlwood home to buy an investment in a higher yielding suburb, keeping the securities separate. Units return more, nearer 4.1%, and a granny flat on the right block can add income the lender may count. That part touches tax, so run it past your accountant early.
Refinancing an Earlwood home loan
This is where most people find a quick win. Values here have moved a long way, 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 an Earlwood 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 Earlwood

What the 2206 market actually looks like

History of Earlwood
A hilly suburb about eleven kilometres south west of the city, wrapped by the Cooks River and the Wolli Creek valley bushland, once known as Forest Hill. Its higher streets catch city and water views, the shops sit along Homer Street, and it has a long standing Greek heritage. There is no station, so buses and nearby Bexley North, Turrella and Campsie carry the trips.
Earlwood property market
A house suburb almost throughout, on hilly blocks, with only a small run of units. Around five in six sales are houses, and an outlook or a view can set one home well apart from another a street away, which keeps the top of the market moving.
Earlwood property prices
Houses sit near $2.1 million on a low gross yield around 2.3%, with units closer to $950,000 on a stronger yield near 4.1%. Houses make up the large majority of sales, and a home with a city or water view sits at the top of the range.
Borrowing in Earlwood
Mostly about houses, at a loan size where lenders start applying their own checks, and well above the first home scheme cap. A city or water view carries a premium that some valuers read cautiously, and hilly blocks bring duplex and granny flat questions. 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 Earlwood, 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 Earlwood

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

The view the valuer had to see twice.

They wanted to release equity from an Earlwood home with a city outlook, and their own lender's valuer came back cautious, with few comparable view homes to point to. We took it to a lender whose panel valuer knew the streets and put comparable sales in front of them. The second valuation reflected what the outlook was actually worth, which released enough for the works with room to spare.

Into an Earlwood house, deposit intact.

A buyer in an eligible profession assumed they needed a 20% deposit or a guarantor for an Earlwood house. We checked their role against our panel and found a lender who waived the lenders mortgage insurance for their profession, lending a higher share of the price. They bought without a guarantor and kept more of their savings back for the move and a buffer.

The granny flat down the slope.

They had a hilly Earlwood block and wanted a granny flat at the rear, both for family and for the rent. We released equity from the home and set up a staged facility for the build, drawing down as the work was done, then, once it was tenanted, a portion of that rent counted towards servicing with the right lender. The slope shaped the build, not the finance.

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 an Earlwood 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 Earlwood 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

Earlwood 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 Earlwood?
Earlwood 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 Earlwood 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. Earlwood homes, especially those with a view, are tightly held and come up rarely, so buying first can be the way to secure one; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing an Earlwood 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. Earlwood values have moved a long way, 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 an Earlwood 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 view 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 Earlwood home?
Yes, and here it is often the sensible way to do it. Local house yields near 2.3% make an Earlwood 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 Earlwood 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 Earlwood's larger and hilly 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 suits 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. Earlwood values have moved, so it is worth checking where an old guarantee stands.

Your Earlwood 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

Earlwood sits above the Cooks River in the Canterbury-Bankstown, and it does not sit on its own. Canterbury and Campsie are just up the river, with Ashbury and Croydon Park beyond and Kingsgrove and Roselands to the south. Belmore and Lakemba sit a little further. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.