Engadine mortgage broker

Engadine mortgage broker

A mortgage broker
who knows Engadine.

Home loans in Engadine 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 Engadine

Each one runs differently here, because Engadine is one of the Shire’s more affordable family suburbs, an active market of houses on larger blocks and units near the station, on the doorstep of the Royal National Park.

First home loans in Engadine
Engadine is one of the more achievable parts of the Shire for a first home, with houses more affordable than the coast and a decent pool of units near the station and town centre. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a good number of Engadine units, and some houses, 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.
Buying your next home in Engadine
The step in Engadine is often from a unit or a starter house up to a bigger family home on a larger block, and the market trades actively enough to make it realistic. Some people upgrade within Engadine as families grow. Others keep the first place, rent it out and buy the bigger home nearby in Heathcote, Yarrawarrah or Woronora Heights. 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 Engadine
Engadine's houses and units both rent well to families and commuters, helped by the train, the schools and the national park lifestyle, with house yields near 3.4%, firmer than much of the Shire. Lenders count expected rent towards what you can afford, so that rent does real work while your income carries the rest. Keeping the new loan separate from the home loan matters for tax, so speak with your accountant early.
Refinancing an Engadine home loan
Values here have grown strongly, so the equity in your place may be well above what you last checked. 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 an Engadine home 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 Engadine

What the 2233 market actually looks like

History of Engadine
Engadine grew along the railway on the southern edge of the Shire, named after the Engadin valley in Switzerland, and expanded through the postwar decades as a family suburb of houses on generous blocks. Bordering the Royal National Park, it keeps a relaxed, outdoorsy character while its town centre and station keep it well connected.
Engadine property market
Engadine is one of the Shire's busiest and more affordable markets. Houses on larger blocks trade actively alongside a solid pool of units near the station, giving first buyers, families and investors plenty of options. Affordability, the train and the national park lifestyle keep the market moving.
Engadine property prices
Houses sit around $1.6 million with strong recent growth, and a high turnover of roughly 175 sold in a year, while units are far more reachable and trade in good numbers too. House yields run near 3.4%, firmer than much of the Shire, so Engadine suits first buyers, upgraders and investors alike.
Borrowing in Engadine
On a unit the building decides it, and near the station there is a good range of stock. On a house, larger bushland blocks bordering the national park can draw lender questions on access, slope or bushfire. Send us the address before you offer and we will flag anything a lender is likely to catch.

Whether it is a family house or a unit near the station, we know which lenders are comfortable with each, here and across the Sutherland Shire.

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 Engadine, 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 Engadine

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 Engadine station 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 an Engadine home that came under the property price cap with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for a buffer. The wait they had braced for simply did not need to happen.

A bigger block, in the right order.

An Engadine family had outgrown their first home and wanted a bigger house on a larger block nearby, but did not want to sell before they had bought. We worked out their borrowing across both, arranged bridging finance so they could buy the family home first, then sell the original once they had moved, and set it up to settle cleanly. They upsized on their own timing rather than being rushed into selling into a gap. Same market, far less stress.

A bushland block, the right lender.

A buyer wanted an Engadine home on a large block bordering the national park, and their own bank hesitated over the bushland setting and bushfire zoning. Nothing was wrong with the buyer. We knew which lenders were comfortable with bushland blocks near the park, placed the loan with one of them, and it went through at a competitive rate. On homes with a bush setting, the choice of lender often decides whether the loan happens at all.

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 Engadine 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 Engadine 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

Engadine 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 Engadine is one of the more achievable parts of the Shire for a first home, with houses more affordable than the coast and a decent pool of units near the station and town centre. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a good number of Engadine units, and some houses, sit under the scheme's property price cap. Which options apply depends on your income, your job and the property, and those rules change over time, so the best next step is a quick call where we go through your situation and tell you where you stand today.
Can you help me buy my next home?
Yes. In Engadine the step is often from a unit or a starter house up to a bigger family home on a larger block, and with the market trading actively, the move is realistic. Some people upgrade within Engadine, others keep the first place as a rental and buy the bigger home nearby in Heathcote, Yarrawarrah or Woronora Heights. 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. Engadine has seen strong growth, so a loan arranged a few years back may now sit behind the sharper deals around, and a refinance is your chance to weigh the rate, the structure and the years still to run all at once, not just the front number. Since rates and lender criteria keep shifting, a quote today dates quickly, so the sensible move is a call where we benchmark your loan across 35+ lenders and say straight whether switching is worth it.
Can you help me access equity or get a better rate?
Yes. With Engadine prices up sharply, the equity in your home may be larger than you think, and it can go towards a renovation, another purchase or a tidier loan setup, with a keener rate often turning up in the review. What is usable comes down to a current valuation and where you sit. So rather than trusting a website estimate, a short call is the surest way to learn your real number today.
Can you help me buy an investment property, using equity or cash?
Yes. You can fund an Engadine investment with cash, with equity drawn from a property you already own, or a blend of the two, and getting that structure right keeps your finances clean and helps at tax time. The upside here is that Engadine houses and units both rent well to families and commuters, with house yields near 3.4%, firmer than much of the Shire, so the numbers can stack up. Talk to your accountant on the tax and to us on the lending.
Do you offer digital appointments and virtual meetings for customers based in Engadine?
Yes. A lot of Engadine clients prefer to keep things simple and meet by phone, Zoom or Teams, which saves a trip and works around busy family schedules, with the whole loan run to settlement and documents signed securely online. If sitting down together suits you better, we are happy to come to you, evenings and weekends included. Just let us know your preference and we will set it up that way.

Your Engadine 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

Engadine does not sit on its own. It sits on the Shire’s southern edge beside Heathcote and Yarrawarrah, with Sutherland and Kirrawee to the north and Bangor and Woronora Heights to the west. Gymea and Miranda sit further into the Shire. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.