Gladesville mortgage broker

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Gladesville mortgage broker

A mortgage broker
who knows Gladesville.

Houses sit near $3 million and units near $650,000. If this is your first place, that gap is the best news on this page. We compare 35+ lenders and it costs you nothing.

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

What the 2111 market actually looks like

Living in Gladesville
Three harbourside parks with walking tracks, kayaks going out from Bedlam Bay, and a village strip on Victoria Road that runs from a French bistro to the Bayview, which still puts live bands on. Fine dining sits in the heritage cottage where Banjo Paterson's grandmother lived. Ten kilometres from the CBD with bush at the end of the street, and values up around 64% over five years.
Gladesville property market
Houses sit near $3 million. Units sit closer to $650,000. That is one of the widest gaps in Sydney and for a first home buyer it works entirely in your favour, because units here land at a price the government 5% deposit scheme genuinely reaches in a postcode where houses never will. Roughly 190 units changed hands last year against 118 houses, so the stock is there as well as the price.
Gladesville property prices
Units sit near $650,000 on a yield around 4%, and they sell in about a month. Houses sit near $3 million on a yield under 2%, and take twice as long to move. Published house medians run from $2.7 million to $3.2 million depending on the source, because only around 118 sold last year. Treat any single house figure as a guide rather than a price.
Borrowing in Gladesville
If this is your first place you are almost certainly looking at a unit, and units are where lenders get particular about the building rather than about you. Caps on larger blocks, minimum floor sizes, and questions about older walk ups. There are also three separate ways to avoid mortgage insurance at this price point. Send us the address before you offer and we will tell you which lenders suit it.

Gladesville sits in our North Shore area. Nearby we also cover Ryde, Hunters Hill, Lane Cove and Chatswood.

Could your parents help
without giving you money?

A limited guarantee uses part of their equity rather than their savings, and it can come off once you have built enough of your own.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Gladesville, 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.

Found a unit
in an older block?

Send us the address before you make an offer and we will email you a free RP Data property report. We can also talk through how lenders on our panel tend to look at buildings like it.

0426 002 202 Let's meet
Client stories

How we helped in Gladesville

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

They stopped saving for 20%.

A young couple had been saving for years and still felt behind, because the target kept moving as fast as they did. They had 5% and assumed that meant waiting. It turned out they were eligible for the government 5% deposit scheme, so they bought with the deposit they already had and kept the rest of their savings for moving costs and a buffer. They stopped saving towards a number and started paying off a home instead.

Parents helped, no cash gift.

A first home buyer had steady income but a small deposit after years of rent. Their parents wanted to help and did not want to hand over a large sum. We used a limited guarantee against part of the parents' equity, which meant no lenders mortgage insurance and no money changing hands. A few years on, once the loan had come down and the property had moved, the guarantee was released and the parents were off it entirely.

No guarantor needed after all.

They came in certain their parents would have to guarantee the loan, because they only had a 10% deposit. We looked at what they did for a living and worked through which lenders treat that job differently. One of them waived the mortgage insurance altogether, so we wrote the loan without a guarantor at all. They bought their first home with their savings intact, and nobody had to put a second house on the line.

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 Gladesville 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 for every Gladesville plan

First home
Learn more
Next home
Learn more
Refinancing
Learn more
Construction loans
Learn more
Guarantor loans
Learn more
Self employed home loans
Learn more

Not sure where to start? See what a mortgage broker actually 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 Macquarie Park 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

Gladesville questions, answered

Why use a mortgage broker in Gladesville?
Because if this is your first place you are buying a unit, and units are where lenders differ most. Caps on larger blocks, minimum floor sizes, and their own views on older buildings. There are also several ways to get in with less than 20% down and no single bank offers all of them. A broker checks the lot before you settle for waiting another year. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Can I buy my first home in Gladesville with a 5% deposit?
If you are an eligible first home buyer, often yes, and units here sit at a price where it genuinely works. The Australian Government 5% Deposit Scheme lets you buy with a 5% deposit and pay no lenders mortgage insurance, with Housing Australia guaranteeing the gap between your deposit and 20%. It is a guarantee, not a grant, and the government takes no share of your home. Not every lender is approved to write them, and the rules get reviewed, so we check what applies to you first.
What are the other ways to avoid mortgage insurance?
Three besides the scheme. Save 20%, which is a long road at these prices. Use a family guarantor, where a parent offers part of the equity in their home as extra security and no money changes hands. Or check your job, because some lenders drop the insurance entirely for certain professions and the list is longer than most people expect. Which one fits depends on you rather than the property, and we look at all of them before you pay for anything.
How does a guarantor loan work, and can my parents get out later?
A parent offers part of the equity in their property as extra security for your loan. They do not make your repayments and no cash changes hands. Most are set up as a limited guarantee, so only a defined portion of their home is at risk rather than all of it. Once your own place has enough equity behind it, usually at or under 80% of what it is worth, the guarantee can be released. It does not happen automatically. Someone has to ask.
What counts as genuine savings?
Most lenders want to see that part of your deposit was saved by you over time, usually at least three months in your own account. That rules out some things people assume will count. A cash gift often does not, though some lenders accept it once it has sat in your account long enough. Released super, tax refunds and inheritance are treated differently by different lenders. Rent paid on time can sometimes count in place of savings. It is one of the most common reasons an application stalls late.
Do lenders treat Gladesville apartments differently?
Some do. Larger blocks can count as high density with certain lenders, which caps how much they will lend on a unit there. Studios and small one bedders can fall under a lender's minimum floor size. A lot of the stock here is in older seventies blocks, which raises questions about the building rather than about you, including what the strata report says. The same apartment can be approved by one lender and declined by another.
How much deposit do I actually need for a unit here?
A 20% deposit avoids lenders mortgage insurance. On a unit at this end of the market that is a reachable number for a lot of people, which is not true of the houses. Plenty of buyers get in with 5 or 10% and either pay the insurance or use one of the routes around it. What changes the answer is the building, because a lender cap on a particular block can mean you need considerably more than you planned.
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. If your search runs past it you can usually ask for an extension, but the lender reassesses your position rather than simply stamping it again. Each application is also a hard enquiry on your credit file, so applying to several lenders at once works against you.
What happens if the valuation comes in under the price?
You usually find out after you are committed, because a lender will not order a valuation on a purchase until there is an exchanged contract. So the buffer has to exist before you sign, and at auction there is no cooling off to fall back on. If it lands short, a different lender uses a different valuation panel and can come back with a different number on the same unit. Failing that, the gap is covered in cash at settlement.
Should I buy a unit here or a house somewhere cheaper?
That is a genuine question and it has no single answer. A unit here puts you ten kilometres from the city with the parks and the village at the end of the street, on a yield around 4% if you ever rent it out. A house further out gives you land, which historically drives more of the growth, but a longer commute and a bigger loan. We can show you what each one costs to borrow and what each one leaves you each month. The rest is your call.
Can I get a home loan if I am self employed?
Yes. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. The bigger issue is what gets added back. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. If you are self employed and buying your first place, which lender sees your file matters more than anything else.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans and its own rules on deposits. If it does not write government scheme loans, or does not do guarantor loans the way you need, it will simply tell you to come back when you have saved more. That is not the whole picture, it is a limitation. A broker knows which lenders do what. Buyvest compares 35+ lenders at $0 cost to you.

Your Gladesville 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

Gladesville does not sit on its own. Hunters Hill is next door and Ryde is a few minutes west up Victoria Road, which is where a lot of our clients look when they want a house rather than a unit. Over the Fig Tree Bridge the road runs up through Lane Cove to Artarmon, St Leonards and Chatswood, with Wollstonecraft, Crows Nest and Willoughby either side of it. Closer to the harbour, McMahons Point, Lavender Bay and North Sydney are apartment markets with their own lender caps. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.