Hills District mortgage broker

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Sutherland Shire mortgage broker

A mortgage broker
who knows the Sutherland Shire.

Waterfront titles that bring their own questions, and apartment caps in the centres behind the coast. We compare 35+ lenders and it costs you nothing.

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

Find your local mortgage broker

At the coast, Cronulla and Woolooware carry the beachside apartment stock, with Caringbah and Miranda just inland around the shopping centres. Along the water, Sylvania Waters, Como and Taren Point carry the waterfront titles that bring their own questions. Further in, Sutherland is the main hub, with Kirrawee and Gymea nearby. South towards the national park, Engadine, Bangor and Bundeena sit closer to bushland than the beach.

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

Buying your first home
in the Sutherland Shire?

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 Sutherland Shire, 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.

Client stories

How we helped

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

The waterfront frontage that mattered more than the size.

Their canal front block was smaller than a comparable inland property, and the first valuation undervalued it because the valuer weighted land size over frontage. We moved the file to a lender whose valuer had genuine waterfront experience, and the second valuation reflected what buyers in that street actually pay for water access.

The unit that hit a building cap.

They found a unit in a larger Miranda block and their first lender capped how much they would lend on it, citing the building's size. A different lender had no such cap, and the loan proceeded at a standard rate without the extra deposit the first lender wanted.

Bushland edge, insurance sorted early.

A property near the national park carried a bushfire overlay, and the client assumed it would slow the loan down. We arranged the insurance quote in parallel with the finance application rather than after, and settlement went ahead on the original date with cover already confirmed.

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 Sutherland Shire purchase actually runs, from pre-approval to settlement.

Home loan pre-approval

What it covers, and how long it lasts.
Read the guide

Bank valuations

Lenders lend against the valuation, not the price you agreed.
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 Sutherland Shire plan

First home
Learn more
Next home
Learn more
Refinancing
Learn more
Investment property
Learn more

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.

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

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.
2

Get pre-approved

We get your file ready and send it to the lender most likely to say yes to you and to your building.
3

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

Sutherland Shire questions, answered

Why use a mortgage broker in the Sutherland Shire?
Waterfront titles bring their own valuation questions, and the apartment stock at the busier centres carries building caps at certain lenders. A broker checks several lenders before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Why do waterfront valuations vary so much?
A valuer looks at frontage, access and what sits between the house and the water, and lenders differ on how much weight each of those carries. A valuer without much waterfront experience can undervalue a canal or harbour block by weighting land size the way they would on a standard inland property.
Do lenders treat apartments in Cronulla and Miranda differently?
Some do. The busier centres carry more high density stock, and some lenders cap how much they will lend on a unit in a larger building. Send us the address before you make an offer and we will tell you where it stands.
Does living near the national park affect my insurance or my loan?
It can affect insurance more than the loan itself. Properties near the bushland edge can carry a bushfire overlay, and a lender wants cover in place before settlement. Getting the insurance quote sorted early is usually what keeps settlement on schedule.
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. Housing Australia guarantees the gap between your deposit and 20%, so the lender treats the loan as covered.
How much equity can I use to buy an investment property?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. Because it moves with your valuation, and valuations on waterfront property differ more than most, it is worth checking properly before you commit to a price.
Can I get a home loan if I am self employed?
Yes. 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 super contributions can often be counted back as income.
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, you usually find out after you have applied and paid for a valuation. Buyvest compares 35+ lenders at $0 cost to you.

Your Sutherland Shire mortgage broker
Your home loan. Made simple.

Free check. No pressure. More than 35+ lenders compared at $0 cost to you.

0426 002 202 Let's meet