Inner West mortgage broker

A mortgage broker
who knows the Inner West.

Terraces, cottages, warehouse conversions and new towers, often in the same street. Lenders do not treat them the same. We compare more than 35 lenders and it costs you nothing.

35+

Lenders

10+

Years experience

1,000+

Clients helped

Cost to you

Meet Ali Hasani

Ali Hasani, mortgage broker for the Inner West, based in Ryde

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 more than 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.

Not sure where to start
with your home loan?

We compare 35+ mortgage lenders to help you find the right home loan before you start looking.

0426 002 202 Let's meet

Client stories

How we helped

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

They did not need 20%.

A buyer had saved 12% and assumed they were stuck until they hit 20%. We went through which lenders do what at that level and found one where the upfront cost of getting in stayed manageable, so they bought that year rather than the next. Six months on, similar homes nearby were selling for more. Whether that happens again nobody can say, but they were glad not to have spent another year chasing a number.

Three properties, money going out.

An investor with three properties was putting thousands of their own money in every month just to hold them. Selling one was the obvious answer and it was not the only one. We refinanced across more than one lender, reworked how the loans were set up and got sharper pricing, and repayments came down by about $1,350 a month. The portfolio went from something they were carrying to something they could hold.

They did not need bridging.

A family wanted a bigger home and had been told bridging finance was the only way to buy before selling. Once we looked at the equity they had and what they could borrow, there was a structure that let them buy first and sell after without a bridging facility. They avoided the extra interest, had time to get the old place ready properly, and sold it without a deadline hanging over them.

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

Start here

Find your local mortgage broker

Each page covers what that suburb sells, what lenders do there, and what deposit you are likely to need.

See all 220+ suburbs we cover, or find a mortgage broker near you.

Want to buy
before you sell?

There is often a way to do it without a bridging loan. We work out your equity and what you can borrow before you commit to anything.

0426 002 202 Let's meet

Free guides

What to know before you buy

Twelve free guides covering how an Inner West purchase actually runs, from pre-approval to settlement.

What we do

Home loans for every Inner West plan

Investment property loans

Self employed home loans

See all home loan help at Buyvest, or read the free guides in the Loan Vault. This is general information only, not personal financial advice.

When did you last
check your rate?

We compare your current home loan against more than 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 the Inner West is full of them. 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 building.

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

Inner West questions, answered

Why use a mortgage broker in the Inner West?

Almost nothing here is a standard house on a standard block. Victorian terraces, workers cottages, Federation homes, warehouse conversions and new apartments all sit within a few streets of each other, and lenders do not treat them the same. A bank can only give you its own answer on your property. 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.

Do lenders treat heritage terraces differently?

Not usually in a way that stops you, but it shows up in the valuation. Narrow frontage, no off street parking, shared walls, a small floor area or a rear lane can all move the number a valuer lands on, and lenders lend against that number rather than what you agreed to pay. Terraces also vary enormously in condition behind similar facades. It is worth knowing what a lender is likely to see before you bid, not after.

What if the whole suburb is a heritage conservation area?

Haberfield is the obvious one, being a conservation area almost end to end, and there are pockets elsewhere. It does not stop a lender lending. What it changes is what you can do afterwards. Extensions, second storeys, replacing windows and even paint colours can need council approval, and that matters a great deal if you are planning to renovate. If your plan involves changing the place, get the finance and the approvals mapped out together.

Do lenders lend on warehouse conversions?

Some do and some will not, and it is one of the most common surprises in Marrickville, Lilyfield and Rozelle. It usually comes down to whether the building is properly zoned and titled as residential, whether the conversion was approved, and how the unit is laid out. Studios without a separate bedroom, very high ceilings with mezzanines, or anything still carrying commercial zoning can all narrow the field. Worth checking before you sign rather than after.

Does being near the airport affect lending in Mascot?

It can show up in the valuation rather than in a flat refusal. Aircraft noise exposure is mapped, and a valuer may take it into account along with everything else about the property. It tends to matter more for resale than for approval. The bigger question around Mascot is usually the building itself, since a lot of the stock is newer high density where lender caps and minimum sizes come into play.

Do lenders treat Inner West apartments differently?

Sometimes. Larger blocks around Mascot, Ashfield and Homebush can count as high density with certain lenders, which caps how much they will lend. Studios and small one bedroom units can fall under a lender's minimum size. Older walk ups and converted buildings raise questions about the building rather than about you. The same unit can be approved by one lender and declined by another.

How much deposit do I need in the Inner West?

A 20% deposit avoids lenders mortgage insurance. Plenty of buyers get in with 5% or 10% and pay that insurance instead, and some professions can skip it altogether. A family guarantor loan can cut the deposit further again. What changes the answer here is the property itself, because a lender cap on a particular building or conversion can mean you need considerably more than you planned. We work out your real number across our panel before you start looking.

Can I get an Inner West home loan with no LMI?

You may be able to. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. Some lenders drop it completely for certain jobs, and the Inner West has plenty of people in medicine, law and accounting. A family guarantor loan is another way to avoid it. We check every option across our panel before you commit to paying it.

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 deposit on the next home, a renovation, or an investment purchase. Because it moves with your valuation, and valuations differ between lenders, it is worth checking properly rather than estimating off a listing website.

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. If your search runs past it you can usually ask for an extension, but the lender reassesses your position rather than simply stamping it again. Each application is also a hard enquiry on your credit file, so applying to several lenders at once works against you.

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

Yes. The Inner West is full of creatives, contractors and small business owners. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. The bigger issue is what gets added back. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. Which lender you apply to matters more than it does for a salaried buyer.

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. In a market this varied, the odds that one lender suits your particular terrace or conversion are not great, and you usually find out after you have applied and paid for a valuation. A broker checks it against many lenders first. Buyvest compares more than 35 lenders at $0 cost to you.

Your Inner West 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

Inner West mortgage broker

A mortgage broker who knows the Inner West.

Meet Ali Hasani

Founder & mortgage broker

Not sure where to startwith your home loan?

How we helped

They did not need 20%.

Three properties, money going out.

They did not need bridging.

Find your local mortgage broker

Want to buybefore you sell?

What to know before you buy

Home loan pre-approval

Buying at auction

Private treaty sales

Bank valuations

Property valuation guide

Freestanding houses

Strata title apartments

Location and condition

Picking the right place

Genuine savings

Choosing a home loan

Settlement day

Home loans for every Inner West plan

When did you lastcheck your rate?

Home loans by profession

Run the numbers

Property deposit calculator

Mortgage repayment calculator

Home equity calculator

Three steps to your loan

Free check

Get pre-approved

Settle, then stay in touch

5.0 ★★★★★ on Google

Inner West questions, answered

Your Inner West mortgage brokerYour home loan. Made simple.

A mortgage broker
who knows the Inner West.

Not sure where to start
with your home loan?

Want to buy
before you sell?

When did you last
check your rate?

Your Inner West mortgage broker
Your home loan. Made simple.