Eastern Suburbs mortgage broker

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Eastern Suburbs mortgage broker

A mortgage broker
who knows the Eastern Suburbs.

From a Maroubra apartment to a Vaucluse estate, what one lender will do is not what the next one will. We compare 35+ lenders and it costs you nothing.

35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
Start here

Find your local mortgage broker

Along the harbour, Vaucluse, Watsons Bay and Rose Bay carry some of the largest loan sizes we see, with Bellevue Hill just behind them. Closer to the city, Paddington is terrace country, while Waverley sits between the two. Down at the coast, Bondi and Coogee are dense with apartments, and Randwick and Maroubra further south are where the mix of houses and units gets more affordable.

Not on the list? We've helped clients Sydney wide. See every suburb we cover.

Buying your first home
in the Eastern Suburbs?

We compare 35+ lenders, work out what you can borrow, and help you get pre-approved before you start looking.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Eastern Suburbs

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.

Client stories

How we helped

Three real situations, and what actually happened in each one.

The valuation nobody expected.

They wanted to pull equity out for a renovation, and their lender's valuation came back well under what they expected. Rather than accept that number, we took it to another lender whose valuation reflected what the place was actually worth. That released enough for the renovation with a buffer left over, and no lenders mortgage insurance to pay.

The guarantee they had forgotten.

Years earlier they had used Mum and Dad's home as security to buy their first place. They had built plenty of equity since and had no idea the guarantee was still sitting there. We refinanced the loan, released the parents' property from the mortgage, and brought the repayments down considerably. The money mattered less than the phone call telling the parents their home was no longer tied to it.

Too late to refinance? No.

A couple in their early sixties assumed no bank would touch them because of their age. Age was never really the issue. It was showing a clear plan for how the loan gets repaid, and finding a lender whose policy fits that. We refinanced the home loan, rolled in two personal loans, and brought repayments down without stretching the loan term out.

These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.

Time to refinance
your home loan?

We compare your current loan against 35+ lenders. If switching 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
Free guides

What to know before you buy

Three free guides covering how an Eastern Suburbs purchase actually runs, from pre-approval to settlement.

Home loan pre-approval

What it covers, and how long it lasts.
Read the guide

Buying at auction

No cooling off once the hammer falls.
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 for every Eastern Suburbs plan

First home
Learn more
Next home
Learn more
Refinancing
Learn more
Investment property
Learn more

Not sure where to start? See what a mortgage broker actually does.

Ready to buy
your next home?

We work out the equity you already have, what it could buy, and whether you can buy before you sell.

0426 002 202 Let's meet
Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and the Eastern Suburbs has plenty of them. 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
Lawyers
Learn more
Home loans for
Bankers
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

Free check

We work out what you can borrow across 35+ lenders, and which ones suit the suburb and the kind of place you are buying.
2

Get pre-approved

We get your file ready and send it to the lender most likely to say yes to you and to your building.
3

Settle, then stay in touch

We stay with you to settlement, then keep an eye on your rate after that.
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

Eastern Suburbs questions, answered

Why use a mortgage broker in the Eastern Suburbs?
The price range here runs from apartments in Maroubra and Randwick to harbourside homes in Vaucluse, and lenders do not treat both ends the same way. Valuations vary, large loans get looked at harder, and a policy that suits a Bondi unit may not suit a Paddington terrace. A broker checks several lenders before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
What can I do if the valuation comes in low?
More than most people think. A valuation is one valuer's opinion on one day, ordered by one lender from one panel. Another lender uses a different panel and can land somewhere else entirely on the same property. You can also ask for a review if there is evidence the valuer missed, such as a recent sale in the same street.
How do I release my parents from a family guarantee?
Once you have built enough equity in your own home, the guarantee usually is not needed any more, and it does not fall away by itself. Someone has to ask. It normally means refinancing or restructuring so the loan sits against your property alone, and a fresh valuation to prove the equity is there. Plenty of people carry a guarantee for years after it stopped serving any purpose.
Can I refinance a home loan in my 60s?
Often yes. Age on its own is not a reason to decline, and lenders are not permitted to treat it as one. What they do ask for is a credible plan for how the loan gets repaid, which might be superannuation, downsizing, other assets or continuing income. Different lenders take different views on that.
How much equity can I use for a renovation?
Usable equity is roughly 80% of what your home is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. For cosmetic work the money can normally come as a top up on your existing loan.
Are big loans harder to get approved?
Not harder, but they are looked at more closely. Past certain loan sizes some lenders add extra checks, want more documentation, or apply their own internal limits. Others barely change their process. In a region where a single purchase can run into many millions, knowing which lenders are comfortable at what size saves weeks.
Can I get an Eastern Suburbs home loan with no LMI?
You may be able to. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. Some lenders drop it completely for certain jobs. A family guarantor loan is another way to avoid it. We check every option across our panel before you commit to paying it.
How long does a home loan pre-approval last?
Ninety days. That is the standard across lenders, and there is no such thing as a six month pre-approval whatever you may read elsewhere. Each application is also a hard enquiry on your credit file, so scattering them across several lenders at once works against you.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans, its own valuation panel and its own rules. If any one of those does not suit your property, you often find out after you have applied and paid for a valuation. A broker checks it against many lenders first. Buyvest compares 35+ lenders at $0 cost to you.

Your Eastern Suburbs mortgage broker
Your home loan. Made simple.

Free check. No pressure. More than 35+ lenders compared at $0 cost to you.

0426 002 202 Let's meet