Hills District mortgage broker

A mortgage broker
who knows the Hills District.

Acreage and rural blocks that bring their own lending questions, and new build estates along the Metro line where the valuation is everything. We compare 35+ lenders and it costs you nothing.

35+

Lenders

10+

Years experience

1,000+

Clients helped

Cost to you

Start here

Find your local mortgage broker

The established centres sit in the middle. Castle Hill and Baulkham Hills are the main hubs, with Winston Hills, North Rocks and Carlingford to the south, and Pennant Hills and Glenhaven nearby.

Along the Metro line the newer estates carry most of the house and land and off the plan stock, at Bella Vista, Norwest, Kellyville, North Kellyville, Beaumont Hills, Rouse Hill and Box Hill.

North of there the blocks get bigger, with acreage and rural residential titles at Dural, Middle Dural, Kenthurst, Glenorie, Annangrove, Nelson and Maraylya.

Out towards the Hawkesbury, Maroota, South Maroota, Cattai, Sackville North, Wisemans Ferry, Leets Vale and Lower Portland sit closer to farmland and river than to any shopping centre.

Not on the list? We've helped clients Sydney wide. See every suburb we cover.

Buying your first home
in the Hills District?

We compare 35+ lenders, work out what you can borrow, and help you get pre-approved before you start looking.

0426 002 202 Let's meet

Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for the Hills District

Founder & mortgage broker

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.

Client stories

How we helped

Three real situations, and what actually happened in each one.

Bridging bought them time.

They found the home they wanted before their own had sold, and the choice was to lose it or find a way through. We arranged bridging, which funds the new purchase while the old property is still on the market, so they bought first and sold afterwards with nothing forcing the price down. It costs more while both loans run, and here that was a matter of weeks rather than months.

They settled before selling.

They found the place they wanted before the family home had sold. Rather than list under a deadline, we released the equity in the existing home so it funded the purchase, and they settled on the new one first. The old house went on the market afterwards and sold on their own timetable, with most of the proceeds going back against the loan once it settled. No bridging was needed at all.

The valuation came in short.

They had bought off the plan and held approval with their own bank. When the building finished, that lender's valuation came in under the price and they had no way to cover the gap, with settlement approaching. We ordered valuations through several other lenders, because each uses a different panel, and one came back supporting the purchase price. Same apartment, different valuer, a different number.

These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.

Time to refinance
your home loan?

We compare your current loan against 35+ lenders. If switching 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

Free guides

What to know before you buy

Three free guides covering how a Hills District purchase actually runs, from pre-approval to settlement.

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 Hills District plan

Not sure where to start? See what a mortgage broker actually does.

Ready to buy
your next home?

We work out the equity you already have, what it could buy, and whether you can buy before you sell.

0426 002 202 Let's meet

Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.

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

Free check

We work out what you can borrow across 35+ lenders, and which ones suit the suburb and the kind of place you are buying.

Get pre-approved

We get your file ready and send it to the lender most likely to say yes to you and to your property.

Settle, then stay in touch

We stay with you to settlement, then keep an eye on your rate after that.

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

Hills District questions, answered

Why use a mortgage broker in the Hills District?

The Hills holds two very different markets. Acreage and rural blocks in the north bring their own valuation and land size questions, and the newer estates along the Metro line carry house and land and off the plan stock where the valuation at completion is the whole game. Lenders differ on both. A broker checks several before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.

Can I get a loan on an acreage or rural property?

Yes, but which lender you use matters more than almost anywhere. Many lenders cap the land size they will count, treat rural residential zoning differently to standard residential, and some will only value the house and a set area of land rather than the whole holding. A few step back from anything that looks like a working farm. Send us the address before you make an offer and we will tell you where it stands.

Why do acreage valuations vary so much between lenders?

A valuer looks at the house, the usable land, the zoning and anything that cannot be built on, and lenders weight those differently. One may fund against most of the block while another counts only the house and a couple of hectares. That gap changes both what you can borrow and the deposit you need, which is why the lender you pick is the decision, not an afterthought.

I am buying off the plan or building. What should I watch?

The main risk is the valuation at completion. On an off the plan purchase the price is set a year or two before the building finishes, and if the market softens in between the lender's valuation can come in under the contract price, leaving a gap to cover. A buffer helps, and so does the fact that lenders use different valuation panels, so a shortfall at one is not the end of it. If you are building, a construction loan releases funds in stages against a fixed price contract and council approval.

Can I buy before I sell?

Often yes, and there are two ways. Bridging finance funds the new purchase while the old place is still on the market, so you buy first and sell without a deadline forcing the price down, and it costs more while both loans run. The other way is releasing the equity in your current home so it funds the purchase and you settle first, then sell afterwards with no bridging at all. Which one fits depends on your equity and how the timing lines up, and we work that out with you.

Can I buy my first home with a 5% deposit?

If you are an eligible first home buyer, often yes. 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 comes with a property price cap in NSW, and plenty of the newer townhouses and apartments in the estates along the Metro line sit at prices the cap reaches, so it depends on the actual property.

How much equity can I use?

Usable equity is roughly 80% of what your place is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. That figure funds a renovation, a deposit on the next home, or an investment purchase. Because it moves with your valuation rather than what you paid, it is worth checking properly before you plan around it.

Can I get a home loan if I am self employed?

Yes, and a lot of Hills buyers run their own business. Most lenders want two years of tax returns, though some accept one year, and a few work from business bank statements instead. Depreciation, one off costs and extra super contributions can often be counted back as income, and lenders read the same set of financials very differently, so which one sees your file matters.

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. Each application is also a hard enquiry on your credit file, so applying to several lenders at once works against you.

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. If any one of those does not suit your property, whether that is an acreage block or an off the plan apartment, you usually find out after you have applied and paid for a valuation. Buyvest compares 35+ lenders at $0 cost to you.

Your Hills District 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

Hills District mortgage broker

A mortgage broker who knows the Hills District.

Find your local mortgage broker

Buying your first homein the Hills District?

Meet Ali Hasani

Founder & mortgage broker

How we helped

Bridging bought them time.

They settled before selling.

The valuation came in short.

Time to refinanceyour home loan?

What to know before you buy

Home loan pre-approval

Bank valuations

Settlement day

Home loans for every Hills District plan

Ready to buyyour next home?

Home loans by profession

Run the numbers

Property depositcalculator

Mortgage repaymentcalculator

Home equitycalculator

Three steps to your loan

Free check

Get pre-approved

Settle, then stay in touch

5.0 ★★★★★ on Google

Hills District questions, answered

Your Hills District mortgage brokerYour home loan. Made simple.

A mortgage broker
who knows the Hills District.

Buying your first home
in the Hills District?

Time to refinance
your home loan?

Ready to buy
your next home?

Property deposit
calculator

Mortgage repayment
calculator

Home equity
calculator

Your Hills District mortgage broker
Your home loan. Made simple.