Freshwater mortgage broker

Freshwater mortgage broker

A mortgage broker
who knows Freshwater.

Home loans in Freshwater 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 Freshwater

Each one runs differently here, because Freshwater is a tightly held beach village where scarce houses sell fast at auction and the unit market does the accessible work.

First home loans in Freshwater
In Freshwater the way in for a first home is usually a unit, because the houses are tightly held and run into the millions while the apartment market is more reachable. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and some Freshwater units sit under it while others sit above. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down near the beach.
Buying your next home in Freshwater
The step from a Freshwater unit to a house is a big one, because houses here are scarce and often sell at auction after a fast campaign. Some people upgrade within the village as families grow. Others keep the unit, rent it out and buy the house nearby or along the beaches. Selling first or buying first changes how the loan is built, and being pre-approved matters when a house may sell at auction with no cooling off.
Investment property loans in Freshwater
Freshwater's unit market rents steadily thanks to the beach and the village, with unit yields around 3.5% while houses return closer to 2%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work, while a house leans more on your income. The tightly held nature keeps demand firm. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Freshwater home loan
At Freshwater loan sizes, a small rate difference is worth real money each year, and many loans here have not been repriced since they settled. Equity can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security. 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 alone.

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 Freshwater 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 Freshwater

What the 2096 market actually looks like

History of Freshwater
Freshwater sits between Manly and Curl Curl around its own beach, long known as the birthplace of Australian surfing, where Duke Kahanamoku gave a famous surfing display in 1914. It keeps a village feel to this day, with a small shopping strip, a strong beach community and a headland looking back over the ocean.
Freshwater property market
Freshwater is a tightly held beach village. Houses rarely come up and often sell fast at auction with strong clearance, while a more active pool of apartments does most of the accessible trading. The scarcity of houses and the steady demand for the village lifestyle keep both ends firmly sought after.
Freshwater property prices
Houses sit around $4.2 million on a scarce, fast selling market, with only around 63 sold in a year. Units trade in greater numbers, over 140 in the same period, and are more reachable. House yields are low, near 2%, while unit yields run near 3.5%, so the unit market is the more accessible and income friendly end.
Borrowing in Freshwater
On a house you are past the loan size where lenders add their own checks, and scarce homes can value in a wide range, which matters when a house may go to auction. On a unit the building decides it, and older beachside blocks raise a few questions. Send us the address before you offer, or before you bid.

Whether it is a scarce house or a unit, 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, Freshwater mortgage broker

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 Freshwater

Three real situations, each one that moved from stuck to sorted with the right lender.

Pre-approved before the auction.

They had their eye on a Freshwater house, and in this village houses sell fast at auction with no cooling off. We got their finance fully sorted first, worked out a firm limit across a couple of lenders, and confirmed how the valuation was likely to land, so they could bid with confidence rather than hope. They bought at auction knowing the finance was there. In a tightly held market, being ready beats being fast.

The unit that got them in.

A first home buyer wanted the Freshwater beach lifestyle but a house was well out of reach. We focused on the unit market, found an apartment that sat under the property price cap for the Australian Government 5% Deposit Scheme, and they bought with a 5% deposit and no lenders mortgage insurance. They were a walk from the beach far sooner than expected, savings kept back as a buffer, with a plan to trade up later.

Rent counted, and the loan cleared.

An investor wanted a Freshwater unit and their bank said the borrowing did not quite stack up, because of how it treated rental income. Given the steady beach and village demand, the local rent is genuinely reliable, so we moved the application to a lender that counted a higher share of it towards serviceability. Same purchase, same rent, assessed differently, and it cleared comfortably. 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 Freshwater 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 Freshwater 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

Freshwater 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 in Freshwater the way in for a first home is usually a unit, because the houses are tightly held and run into the millions while the apartment market is more reachable. 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 Freshwater the step from a unit to a house is a big one, because houses here are scarce and often sell at auction, but the move is doable in stages. Some people upgrade within the village, 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. Given how tightly houses are held, being finance ready matters. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. With Freshwater loans typically on the larger side, a rate that has slipped even a little off the market can quietly cost thousands a year, and many owners here have not revisited their loan since settlement day. Refinancing is your moment to weigh it all together, the rate, the structure, the years still to run, not just the number out front. Since rates and lender criteria keep moving, anything quoted today dates quickly, so the practical step is a call where we run your loan across 35+ lenders and say plainly whether a switch pays.
Can you help me access equity or get a better rate?
Yes. Where your Freshwater home has appreciated, the equity inside it can usually be freed up for a renovation, a further purchase or a reshaping of your lending, and the same look often surfaces a keener rate too. What is usable turns on a fresh valuation and your position, and because Freshwater houses are so tightly held, valuers can differ noticeably on the same home. Since those numbers move, a short call is the surest way to pin down exactly what you have available right now.
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 combination can each fund an investment, and getting the structure right matters both for tidy finances and for the tax outcome later. In Freshwater the apartments, backed by reliable beach and village demand, are the genuine investment play, while the houses return little on rent and are really about lifestyle and long term value. Talk to your accountant on the tax, and to us on the lending, so the structure is sound from day one.
Do you offer digital appointments and virtual meetings?
Yes, and for a lot of Freshwater clients it is simply the most convenient way. A phone, Zoom or Teams appointment fits around work and family and saves the trip, and the whole loan can run this way, from first conversation to settlement, with documents signed securely online. If you would sooner meet in person, we will come to you, evenings and weekends included. Just reach out and we will arrange whichever suits you, on screen or face to face.

Your Freshwater 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

Freshwater does not sit on its own. It nestles between Manly to the south and Curl Curl to the north, with Brookvale just inland and Dee Why up the coast. Balgowlah and Seaforth sit towards the harbour, and the beaches run north through Collaroy and Narrabeen. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.