Haberfield mortgage broker

Haberfield mortgage broker

A mortgage broker
who knows Haberfield.

Home loans in Haberfield 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 Haberfield

Each one runs differently here, because Haberfield is the Garden Suburb, a heritage conservation area of tightly held Federation homes with a strong Italian community and very few units.

First home loans in Haberfield
Haberfield is a heritage conservation area of Federation houses that run well into the millions, with very few units, so a first home here usually means a house, a big step. The Australian Government 5% Deposit Scheme has a property price cap in NSW that most Haberfield houses sit above, so a family guarantor loan is often the more useful route, letting you buy with a smaller deposit and skip lenders mortgage insurance. Some professions can waive the insurance too.
Buying your next home in Haberfield
Many Haberfield moves are families upgrading to a larger Federation home or settling here for the long term. These homes are tightly held and often sell at auction, so the order of your contracts matters and bridging finance often covers the gap. The loan is usually built around one sale and one purchase. We work the borrowing around your whole position, so a tightly held heritage market does not cost you the home you want.
Investment property loans in Haberfield
Haberfield is an owner occupier market with very low yields, near 1.75%, so it is more a lifestyle and capital play than an income one. Lenders count expected rent towards what you can afford, but on yields this low your own income carries most of the assessment. Many owners here use their Haberfield equity to invest in higher yielding areas instead. Structure and tax matter, so it is worth a word with your accountant early on.
Refinancing a Haberfield home loan
Haberfield homes are high value, so 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, though heritage conservation controls shape what you can do, a deposit on another 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.

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 Haberfield home with less than a 20% deposit, and a guarantor loan is often the most useful when you are buying a house. We can walk you through the options before you start looking.

0426 002 202 Let's meet
About Haberfield

What the 2045 market actually looks like

History of Haberfield
Haberfield was laid out from 1901 as one of Australia's first planned garden suburbs, designed with detached Federation homes on generous garden blocks and no terraces or pubs. Known as the Garden Suburb, it is now a heritage conservation area with a strong Italian community and the delis and cafes of Ramsay Street at its heart.
Haberfield property market
Haberfield is a tightly held, owner occupier house market. Well preserved Federation homes on garden blocks trade in modest numbers and are closely held, often selling at auction, with very few apartments. The heritage character, the schools and the community keep demand firm and listings scarce, so good homes are strongly sought after.
Haberfield property prices
Houses sit around $3.3 million and are tightly held, with the heritage conservation status and garden blocks holding values high. Units barely feature. Yields are very low, near 1.75%, so this is an owner occupier lifestyle and capital growth market rather than an income one, and scarcity keeps competition firm for the homes that do come up.
Borrowing in Haberfield
On these homes you are past the loan size where lenders add their own checks, and the heritage conservation status can affect valuations, insurance and what you can change, which some lenders look at closely. Homes here also often go to auction. Send us the address before you offer, or before you bid.

Whether it is a Federation home or a heritage block, we know which lenders are comfortable with each, here and across the Inner West.

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 Haberfield, 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 Haberfield

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

A guarantor into the Garden Suburb.

A first home buyer wanted to get into Haberfield, but with houses well into the millions and almost no units, a decent deposit was years away. Their parents offered to help, so we set up a family guarantor loan using a limited slice of the parents' equity as extra security. That let them buy a Haberfield home with a smaller deposit and no lenders mortgage insurance, and we structured it so the guarantee could be released later once they had built enough equity of their own.

Pre-approved before the auction.

They had their eye on a Haberfield Federation home, and good houses here are tightly held and usually sell 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 scarce heritage market, being ready beats being fast.

A heritage home, the right valuation.

An owner wanted to release equity from their Haberfield home for a renovation, and the first lender's valuation came back conservative, not fully crediting the heritage quality. We moved the review to a lender whose valuer understood the Garden Suburb and what these homes are worth, and the figure came back materially higher, freeing up the equity they needed. On heritage homes, the valuer's familiarity with the area can be worth a great deal.

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 Haberfield 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 Haberfield 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.

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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

Haberfield 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, though Haberfield is a challenge for a first home, because it is a heritage conservation area of Federation houses that run well into the millions, with very few units. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a family guarantor loan often helps most when you are buying a house rather than a unit. Which options apply depends on your income, your job and the property, and those rules change over time, so the best next step is a quick call where we go through your situation and tell you where you stand today.
Can you help me buy my next home?
Yes, and it is a lot of what we do in Haberfield, where many buyers are families moving up to a larger Federation home or settling here for the long term. Because these homes are tightly held and often sell at auction, being finance ready matters. The loan is often built around selling one home and buying another, and whether you sell first or buy first changes how it is structured, with bridging finance covering the gap. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. Loans on Haberfield homes tend to be sizeable, so even a fraction off the best rate can quietly add up to thousands across a year, yet many owners have not looked at their loan since the day it settled. A refinance brings the rate, the structure and the remaining term back into view all at once. Because any rate we named today would be stale within weeks, the better step is a call where we test your loan against 35+ lenders and tell you plainly whether moving is worth it.
Can you help me access equity or get a better rate?
Yes. If your Haberfield home has grown in value, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently turns up a sharper rate along the way. Renovations here often need to respect the heritage conservation controls, which is worth planning for. How much is usable depends on a current valuation and your position, so the most useful thing is a quick call where we work out what is genuinely available to you today rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. You might fund an investment from cash, from equity built up in a property you already hold, or a combination, and how it is arranged matters both for keeping things clean and for the tax treatment later. Because Haberfield is really an owner occupier market with very low yields, most investors here draw on their local equity to buy somewhere with a stronger return instead of in the suburb. Talk to your accountant on the tax and to us on the lending, so the structure is right from the start.
Do you offer digital appointments and virtual meetings?
Yes. Many Haberfield families find it easiest to handle the loan without leaving home, meeting us by phone, Zoom or Teams around school runs and work. The entire process can go that way if it suits, from the first chat to settlement, with paperwork signed securely online. Should you prefer to meet face to face, we will come to you, on weeknights or weekends. Get in touch and we will arrange it whichever way works for your family.

Your Haberfield 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

Haberfield does not sit on its own. It sits between Ashfield and Five Dock, with Summer Hill and Leichhardt to the east and Abbotsford towards the river. Petersham and Dulwich Hill sit nearby to the south. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.