Greenacre mortgage broker

Greenacre mortgage broker

A mortgage broker
who knows Greenacre.

Home loans in Greenacre 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 Greenacre

Each one runs a little differently here, because Greenacre is a house suburb of unusually large blocks, made for families who want room, with a smaller pocket of units and no station of its own.

First home loans in Greenacre
Most Greenacre houses now sit above the first home scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. Units here sit under the cap, so the Australian Government 5% Deposit Scheme, set at $1.5 million across Sydney, can put a unit within reach on a 5% deposit with no lenders mortgage insurance.
Buying your next home in Greenacre
This is family upgrader country on big blocks, so the move is often to a larger home, and often a multigenerational 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. The size of the blocks here means dual occupancy and duplex plans come up a lot, which change the numbers again.
Investment property loans in Greenacre
The large blocks are the story. A granny flat, a second dwelling or a dual occupancy can add rent that some lenders will count towards what you can afford and others will not, and that difference can decide whether the numbers work. Houses here sit on a yield close to 2.8% and units nearer 4.6%, so what you buy, and what you build on it, both matter.
Refinancing a Greenacre home loan
This is where most people find a quick win. Greenacre values have moved up strongly, so 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 build, 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 a Greenacre home with less than a 20% deposit, and because most houses here sit above the first home scheme cap, a guarantor, a professional waiver or a unit under the cap is usually the key. We can work through it before you start looking, by phone or video if that suits.

0426 002 202 Let's meet
About Greenacre

What the 2190 market actually looks like

History of Greenacre
The name recalls the market gardens and green acres subdivided after the war. An affordable family suburb about nineteen kilometres south west of the city, next to Bankstown, with the Hume Highway nearby. There is no station, so buses feed Bankstown and Punchbowl, and a lot of the loan can be done digitally, with the shops along Waterloo Road.
Greenacre property market
A house suburb almost throughout, and known for its large blocks, which is why dual occupancy and granny flats are so common here. Around three in four sales are houses, and the suburb draws families and multigenerational households who buy and stay for the room and the value.
Greenacre property prices
Houses sit near $1.6 million on a gross yield around 2.8%, up strongly over the past year, which puts most of them above the first home scheme cap. Units sit near $830,000 on a stronger yield near 4.6%, and stay under it. Houses make up most of what trades here.
Borrowing in Greenacre
Mostly about houses on big blocks, at a loan size where lenders start applying their own checks, and above the first home scheme cap. Those blocks bring real granny flat, duplex and dual occupancy potential, where the extra rent can lift what you borrow if the lender counts it. With no station here, a lot of clients do the whole thing by phone and video. Send us the address before you offer.

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

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 Greenacre, 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 Greenacre

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

The block that became two homes.

They owned an older house on a wide Greenacre block and wanted to build a dual occupancy, keep one side and rent or sell the other. Their own bank would only look at it as a standard loan. We released equity from the existing home for the deposit and set up a construction facility that drew down in stages against the fixed price build, with interest charged only on what had been drawn. The second dwelling changed what the block was worth and what it earned.

Into a Greenacre house with family help.

A first home buyer had good income but the Greenacre house they wanted sat above the government scheme cap. Their parents wanted to help without handing over cash. 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, with the value up and the balance down, the guarantee was released.

Two households, one loan that worked.

A multigenerational family wanted to buy a large Greenacre home together, with the parents and the adult children under one roof. We set up the borrowing so the incomes were assessed together and structured it around who owned what, which lifted the borrowing enough to buy the home that suited them all. It kept the family on one title and turned a stretch into a plan that worked.

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 Greenacre 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 Greenacre 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 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

Greenacre 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 Greenacre?
Most Greenacre houses sit above the first home scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. Units here sit under the cap, so the Australian Government 5% Deposit Scheme, at $1.5 million across Sydney, can put a unit within reach on a 5% deposit with no lenders mortgage insurance. We look at your income and deposit, get you pre-approved, and compare 35+ lenders at $0 cost to you.
Can I buy my next home in Greenacre 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. Greenacre is a common upgrade suburb for growing families, so this comes up a lot. Buying first suits a thin market where the right home is rare; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Greenacre 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. Greenacre values have moved up strongly, so 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. On a Greenacre house on a big block that can be a large number. 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 Greenacre 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. On a Greenacre block, a granny flat or dual occupancy can add rent that lifts what you can borrow, 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, and with no station in Greenacre a lot of clients rely on them. 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 distance and a busy week change nothing about how we work.
Can refinancing actually lower my monthly repayments?
It often can, and there is usually more than one lever. A sharper rate is the obvious one. Resetting the loan term can bring the monthly figure down as well, though it stretches the loan out, so we show you what that trade costs over time. Dropping products or fees you are paying for and not using helps too. We compare your current loan against 35+ lenders, and if the repayment comes down we show you exactly where the saving comes from.
Can I refinance to build a granny flat, a duplex or a dual occupancy?
Yes, and on Greenacre's large blocks this is one of the most common reasons to refinance. Releasing equity from the home can fund a granny flat or the early costs of a duplex or dual occupancy build, often more cheaply than a separate loan, and a construction or staged facility suits a bigger project, drawing down as the work is done. Where the second dwelling is rented, some lenders will count part of that income. We look at the equity, the likely finished value, and structure it so the loan and the works sit in one place.
Can I refinance to release a family guarantee over my parents' home?
Usually, yes, once enough equity has built up. Plenty of people bought their first place with a parent's home as security and never revisited it. As your property rises in value and the balance comes down, you often reach the point where the guarantee is no longer needed. We refinance the loan, release the parents' property from the mortgage, and can look at the rate and structure at the same time. Greenacre values have moved, so it is worth checking where an old guarantee stands.

Your Greenacre 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

Greenacre sits beside the centre at Bankstown in the Canterbury-Bankstown, and it does not sit on its own. Chester Hill, Bass Hill and Condell Park are close by to the west, and Punchbowl and Lakemba to the east, with Roselands and Belmore beyond. Down toward the river sit Padstow, Revesby and Panania. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.