Glenhaven mortgage broker

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Glenhaven mortgage broker

A mortgage broker
who knows Glenhaven.

Big blocks, big houses and big loans, and past a certain size lenders start applying their own limits. We compare 35+ lenders and it costs you nothing.

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

What the 2156 market actually looks like

Living in Glenhaven
Large blocks, established gardens and a lot of houses that have been in the same hands for a long time. Oakhill College sits on the edge of it, Glenhaven Oval in the middle, and Castle Hill and Dural either side. It is quiet in a way the newer estates further west are not, and that is most of what people are paying for.
Glenhaven property market
This is a house market and a thin one. Very little comes up in a given year, and what does tends to be a family home on a substantial block rather than anything at the entry end. People move here rather than start here, usually with a home already behind them. That makes most purchases two transactions instead of one, and the order you do them in matters.
Glenhaven property prices
Houses sit near $2.7 million. The handful of units and townhouses sit closer to $950,000. With so few sales behind them, published medians here swing further between sources than they do in busier suburbs, and lenders face the same thin evidence when they value one. Treat any single figure as a guide rather than a price.
Borrowing in Glenhaven
Two things decide it here. The loan size, because past a certain point lenders add their own checks and trim how much they will lend. And the block, because larger land and anything that edges toward acreage changes which lenders are comfortable and how much deposit they want. Send us the address before you offer and we will tell you which lenders suit it.

Glenhaven sits in our Hills District area. Nearby we also cover Castle Hill, Dural, Kenthurst and Baulkham Hills.

Buying a house
at these numbers?

Send us the address before you bid 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 loans of that size.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Glenhaven, 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.

Told you cannot
borrow any more?

It may not be your income. It is often how the existing loans are put together. We can look at the structure, not just the rate.

0426 002 202 Let's meet
Client stories

How we helped in the Hills

Three real situations, all of them about structure rather than rate.

Three properties, one knot.

A client held three investment properties, all tied together as security with the same lender. Every time they wanted to touch the equity, the bank reassessed the whole portfolio, which made every request slow and every answer conservative. We refinanced and separated each property onto its own standalone loan. Within weeks they had access to the equity, and they could refinance or sell any one of them without it dragging the others in.

They bought before selling.

They found the home they wanted and needed the equity out of the current one to buy it, and assumed that meant selling first. We worked through bridging finance instead. The lender carried both loans for a period, they bought the new place, then sold the old one without a deadline hanging over the sale. Bridging is not free and it is not right for everyone, but it was the difference between getting that house and watching it go.

Strong income, wrong setup.

A couple with strong income and plenty of equity kept being told they could not borrow enough for the house they wanted. Their position was fine. The loans were the problem, with deductible and non-deductible debt sitting in the same place and equity tied across more than one property. We refinanced, separated the securities and built a split for each purpose. Because how debt is split affects tax, we worked through it with their accountant first.

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 Glenhaven 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 Glenhaven 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 Norwest Business Park is 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

Glenhaven questions, answered

Why use a mortgage broker in Glenhaven?
Two reasons particular to here. Loans at these sizes sit past the point where lenders start applying their own limits, and those limits are not the same from one lender to the next. And a lot of people buying here already own something, which makes it two transactions rather than one. A bank has one answer to both. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Are large loans assessed differently?
Not harder, but they are looked at more closely. Past certain loan sizes some lenders add extra checks, want more documentation, cap how much of the value they will lend, or apply their own internal limits. Others barely change their process. At Glenhaven house prices most buyers are in that territory, so knowing which lenders are comfortable at what size saves weeks and sometimes saves the purchase.
Does the size of the block change the loan?
It can. Many lenders are comfortable up to a couple of hectares on residential zoning and get more cautious beyond that. Rural zoning, unsealed access, tank water or no mains sewer can all change the answer or the deposit required. Most of Glenhaven is well inside the comfortable range, but the larger holdings toward Dural and Kenthurst are worth checking before you commit rather than after.
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. Thin sales evidence makes it more likely here. A different lender uses a different valuation panel and can come back with a different number on the same property. Failing that, the gap is covered in cash at settlement.
Can I buy before I sell?
Often yes. If the finance lets you settle the new place first, you move once and sell on your own timetable rather than someone else's. Bridging finance is the usual route, where the lender carries both loans for a period and the interest is cleared when the first property sells. Lenders set a window, commonly six to twelve months. Whether it works comes down to your equity and whether your income supports both loans for a while.
Can I keep my current home and rent it out instead?
Often yes, and more people could than realise it. Rather than selling to fund the next purchase, you use the equity in the first home as the deposit and keep it as an investment. Whether it works depends on whether your income supports both loans once the rent is counted, and lenders count rent very differently from each other. Getting the structure right at the start matters, and the tax side is a conversation for your accountant.
Are my properties tied together, and does it matter?
If one lender holds two or more of your properties as security for the same borrowing, they are linked rather than standing alone. It costs you flexibility. Every time you want to release equity, refinance or sell one, the lender reassesses the whole bundle, and a weaker valuation on one can hold up all of them. Look at which properties are named as security on each loan. Plenty of people are set up this way without ever being told.
Why does loan structure affect how much I can borrow?
Because lenders assess you on the repayments of everything you already owe, and how those loans are arranged changes the numbers they use. Loans with fewer years left are assessed harder than the same balance over a longer term. Interest only periods ending get assessed on what the repayment becomes, not what it is now. And equity locked inside a bundle may not count as available. Two people with identical incomes can get very different answers purely on structure.
How much deposit do I need in Glenhaven?
A 20% deposit avoids lenders mortgage insurance, and at local house prices that is a very large number. If you already own a home, the equity in it usually does that job instead. Some professions can skip the insurance entirely, and a family guarantor loan can cut the deposit further again. What changes the answer most is the property itself, because a lender cap on the loan size can mean you need considerably more than you planned.
Can I get a Glenhaven 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. If you already own a home, the equity in it often gets you past 80% without paying any. Some lenders drop it completely for certain jobs, and with Norwest Business Park minutes away plenty of local buyers are on those lists. A family guarantor loan removes it another way, using part of a parent's equity rather than their cash.
Can I get a home loan if I am self employed?
Yes. The Hills has a lot of business owners and contractors. 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. At these loan sizes that difference is worth a great deal.
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, and it has no reason to suggest separating properties it already holds together. At these loan sizes a single lender's internal limit can be the whole difference between yes and no, and you usually 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 Glenhaven 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

Glenhaven does not sit on its own. Castle Hill is the centre next door and Dural is the other side, where the blocks get bigger and the lending questions change with them, along with Kenthurst, Annangrove and Middle Dural further out. West of here the Metro line runs through Norwest and Bella Vista and out to Kellyville, North Kellyville and Beaumont Hills, where a lot of the newer stock is. Baulkham Hills and Pennant Hills sit south. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.