Emu Plains mortgage broker

Emu Plains mortgage broker

A mortgage broker
who knows Emu Plains.

Home loans in Emu Plains 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 Emu Plains

Each one runs a little differently here, because Emu Plains is an established, leafy family suburb across the river from the Penrith centre, with its own station and the Blue Mountains on the doorstep.

First home loans in Emu Plains
Many established homes here sit under the 5% Deposit Scheme cap, so a first home buyer can often buy a whole house on a 5% deposit with no lenders mortgage insurance. The premium riverside and foothill homes can sit over it, so which route fits your deposit is exactly what we work out, and a family guarantee or a professional waiver can bridge the gap on a dearer home.
Buying your next home in Emu Plains
This is upgrader and lifestyle territory, with its own station and the Blue Mountains close, so the move is often a smaller home to a larger or riverside one. 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 granny flat potential changes the numbers again.
Investment property loans in Emu Plains
A lifestyle suburb with its own station and river and mountains appeal, where homes rent well to commuters and families. Lenders count expected rent towards what you can afford, so the numbers often work. On a house a granny flat or second dwelling can add rent that some lenders count and others will not, and that difference can decide the purchase.
Refinancing an Emu Plains home loan
This is where most people find a quick win. As your value grows and your balance comes down, 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 duplex, 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 Emu Plains home with less than a 20% deposit. Many established homes sit under the 5% Deposit Scheme cap, and on a dearer riverside or foothill home a family guarantee or a professional waiver may be the way in. We can work through which route fits before you start looking.

0426 002 202 Let's meet
About Emu Plains

What the 2750 market actually looks like

History of Emu Plains
First surveyed in 1790 and named by Governor Macquarie in 1814, Emu Plains was a convict government farm before it became a village where the plains meet the Blue Mountains foothills, on the western bank of the Nepean. It has its own station on the Main Western Line, effectively the last suburban stop before the intercity Blue Mountains service, with the M4 and Great Western Highway close by.
Emu Plains property market
An established, leafy family suburb, strongly house dominated with limited unit stock, blending older established homes with larger and riverside or foothill properties. Its own station, freeway access and scenic setting give it a lifestyle appeal that holds the value.
How we help in Emu Plains
A lifestyle and upgrader suburb, and a mixed market, so we know both ends of it. On an established home under the cap we get a first home buyer pre-approved on a 5% deposit; on a dearer riverside or foothill home we line up a guarantor or a professional waiver, or set up bridging for an upgrade. We compare 35+ lenders at no cost to you.
Borrowing in Emu Plains
A mixed market. Many established homes sit under the 5% Deposit Scheme cap, so a 5% deposit with no lenders mortgage insurance is realistic, while premium riverside and foothill homes can sit over it, where a guarantor or a waiver may be the way in. Larger blocks bring granny flat potential. Send us the address before you offer and we will tell you where you stand.

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

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 Emu Plains, 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 Emu Plains

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

The upgrade to the riverside home.

A family wanted to move up to a larger Emu Plains home closer to the river, but had not sold their own. We worked out their borrowing assuming the current home was still on the market, arranged a short bridging facility so they could buy first and move once, and the bridge closed when the sale settled. The right home in a tightly held suburb was worth securing.

A first home under the cap, near the station.

A first home buyer wanted the lifestyle of Emu Plains but assumed it was out of reach. An established home near the station sat under the government scheme cap, so we checked their eligibility and they bought on a 5% deposit with no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

Kept the home, bought the next.

An upgrading couple had outgrown their Emu Plains home but did not want to sell it. We released equity from it for the deposit on a larger house nearby, set the two loans and securities up cleanly so each stood on its own, and rented the first out to commuters near the station. They ended up with the family home and an investment, in the one move.

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 Emu Plains 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 Emu Plains 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

Emu Plains 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 Emu Plains?
Emu Plains is a mixed market for a first home buyer. Many established homes sit under the 5% Deposit Scheme cap, so a whole house on a 5% deposit with no lenders mortgage insurance is realistic, while premium riverside and foothill homes can sit over it, where a family guarantee or a professional waiver may be the way in. We look at your income, your deposit and what lenders will count, then get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Emu Plains 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. Emu Plains is a tightly held lifestyle suburb where the right home comes up rarely, so buying first can be the way to secure it; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing an Emu Plains 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 looked at in years, or a guarantee over a parent's home still sitting there long after it was needed. As your value grows and your balance falls, the equity in your place may be well past what you think. 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. A refinance is the natural moment to move to a lower rate and release some of the equity you have built, 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, so the lender with the sharpest rate is not always the one that values your home highest. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Emu Plains using equity instead of cash?
Yes, and it is one of the most common reasons people call us. Instead of a cash deposit, we release equity from a property you already own and use that as the deposit and costs on the investment, keeping the two securities separate so the properties are not tied together. Emu Plains homes rent well to commuters and families near the station, so lenders count that expected rent, and on a house a granny flat can add rent too, though only some lenders count it. 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. 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 wherever you are in Emu Plains or beyond, distance changes nothing about how we work.
Should I buy my next home in Emu Plains before I sell, or sell first?
Both work, and the right order depends on your position. Buying first, usually with bridging finance, means you secure the home you want in a tight market and move once, but you carry both for a short while. Selling first means you know exactly what you have to spend and carry no overlap, though you may need somewhere to live in between. We price both paths for you, bridging included, so you choose with the numbers in front of you rather than guessing.
Can I keep my current home as an investment when I buy the next one?
Often, yes, and it is a common way to end up with a second property. Instead of selling, you release equity from your current home for the deposit on the next one and rent the first out, with the two loans and securities set up cleanly so each stands on its own. Whether it works comes down to your borrowing capacity with the existing loan still in place and how the rent is counted. We model it both ways, keeping it and selling it, and because keeping it has tax effects, that part is worth a word with your accountant.
Can I take my existing loan with me when I move, or should I refinance?
Some loans can be ported, meaning the same loan moves to the new property, which can save on a few costs, but it is not always the sharpest option once you look at the whole market. Moving up usually means borrowing more, so it is a good moment to compare your current lender against the rest rather than assume porting is best. We weigh what porting would cost against a fresh loan, factor in any break costs, and show you which comes out ahead for the move you are making.

Your Emu Plains 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

Emu Plains sits across the river from the Penrith centre in Penrith, at the gateway to the Blue Mountains, and it does not sit on its own. The Penrith CBD is one stop east across the river, with Jamisontown and South Penrith nearby. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.