Guildford mortgage broker

Guildford mortgage broker

A mortgage broker
who knows Guildford.

Home loans in Guildford 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 Guildford

Each one runs a little differently here, because Guildford is an affordable house suburb south of Parramatta, where a first home buyer can buy a whole house within reach of the scheme, and the units are cheaper again.

First home loans in Guildford
Here is the good news. Houses in Guildford are affordable enough that most sit under the first home scheme cap, so a first home buyer can realistically buy a whole house on a 5% deposit with no lenders mortgage insurance. The units are among the cheapest around, cheaper again. Which route fits your deposit is exactly what we work out.
Buying your next home in Guildford
This is family upgrader country, on decent blocks, so the move is often a smaller house or a unit to a larger family home. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up. A larger block with granny flat or duplex potential changes the numbers again, and suits the many multigenerational households here.
Investment property loans in Guildford
One of the cheapest ways to buy for cashflow near Parramatta, with very affordable units that rent well. Lenders count expected rent towards what you can afford, so the numbers often work. On a house a granny flat or second dwelling can add rent that some lenders count and others will not, and that difference can decide the purchase. We match you to the lender that treats the income most fully.
Refinancing a Guildford home loan
This is where most people find a quick win. As your value grows and your balance comes down, 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, 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 Guildford home with less than a 20% deposit, and because houses here mostly sit under the first home scheme cap, a whole house on a 5% deposit is genuinely on the table. We can work through it before you start looking.

0426 002 202 Let's meet
About Guildford

What the 2161 market actually looks like

History of Guildford
Named after Guildford in Surrey, it sits about twenty three kilometres west of the city and five south of Parramatta, on the T2 line. The Guildford Road strip is the local centre, and it is a multicultural suburb with strong Arabic, Vietnamese, Chinese and Pacific communities, on mostly detached blocks.
Guildford property market
A house suburb first, on decent blocks, with only a small and very affordable unit market. Houses hold the value and most of the sales, while the cheap units give first home buyers and investors a low cost way in.
How we help in Guildford
Affordable does not mean automatic. We work out whether a house sits under the first home scheme cap, point you to the grants and concessions that currently apply, and find the lender that counts your income, however it is earned, most fully. We compare 35+ lenders at no cost to you and stay with it from pre-approval to settlement.
Borrowing in Guildford
Mostly good news for a first home buyer, because houses here mostly sit under the first home scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is realistic, and most of the stock qualifies. Larger blocks bring granny flat and duplex potential, and the cheap units are judged on the building. 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 Western Sydney.

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 Guildford, 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 Guildford

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

A house well within the cap.

They had been saving for a unit, sure a house was out of reach for a first home. In Guildford it was not even close to the ceiling. The home they liked sat well under the government scheme cap, so we checked their eligibility and they bought a whole house on a 5% deposit with no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The granny flat that did the heavy lifting.

They had a decent Guildford block and built a granny flat, both for family and for the rent. We released equity from the home for the build and set up a small staged facility, then, once it was tenanted, a portion of that rent counted towards servicing with the right lender. The second income took years off how the loan was tracking down.

Two homes, one big block.

They owned an older house on a wide Guildford block and wanted to build a duplex, keep one side and rent or sell the other. 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.

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 Guildford 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 Guildford 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

Guildford 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 Guildford?
Guildford is one of the better places near Parramatta for a first home buyer, because houses here mostly sit under the first home scheme cap, so a whole house, not just a unit, is realistic and most of the stock qualifies. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. The units are cheaper again, so a 5% deposit with no lenders mortgage insurance is on the table either way. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Guildford 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. Guildford is a common upgrade suburb, 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 Guildford 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. As your value grows and your balance falls, 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. 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 Guildford 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. Guildford's cheap units rent well, so lenders count that expected rent, and on a house a granny flat can add rent too, 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. 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 wherever you are in Guildford or beyond, distance changes nothing about how we work.
How does the 5% Deposit Scheme actually work?
The Australian Government 5% Deposit Scheme, once called the First Home Guarantee, lets an eligible first home buyer purchase with as little as a 5% deposit while the government guarantees the rest, so you avoid the lenders mortgage insurance that a smaller deposit would normally trigger. There is a price cap on the property and some basic rules around residency and not having owned a home before, but there is no income cap and places are now unlimited, so far more buyers qualify than under the old rules. Not every lender is on the scheme, so the lender still matters. We check your eligibility, line up a participating lender, and run it beside the other first home options so you pick the best one for Guildford.
What first home buyer grants and concessions can I use in Guildford?
Beyond the deposit scheme there is often other help, such as stamp duty concessions for first home buyers under certain price thresholds, and at times a grant on a brand new build. What applies changes from time to time and depends on the price and the type of property, so we point you to what currently applies in Guildford and build it into your numbers rather than you finding out after you have committed. Used together, they can meaningfully cut what you need up front.
How much deposit do I really need to buy my first home in Guildford?
Less than most people assume. A 20% deposit avoids lenders mortgage insurance, but there are several ways in with less. The 5% deposit scheme, a family guarantee against a parent's equity, or a professional waiver for certain jobs can each get you there with a smaller deposit and no insurance premium. You also need to allow for costs like stamp duty where it applies, and legal and inspection fees. We work out the real number for your situation before you start looking in Guildford, so there are no surprises.

Your Guildford 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

Guildford sits between Fairfield and Parramatta in Western Sydney, and it does not sit on its own. Fairfield is the next centre one way and Merrylands and Granville toward Parramatta the other, with Auburn nearby and the Parramatta CBD a short run north. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.