Jamisontown mortgage broker

Jamisontown mortgage broker

A mortgage broker
who knows Jamisontown.

Home loans in Jamisontown 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 Jamisontown

Each one runs a little differently here, because Jamisontown is an established house suburb on the river side of the Penrith centre, close to the water, the retail strip and the M4.

First home loans in Jamisontown
Good news for a first home buyer, because the established houses here mostly sit under the 5% Deposit Scheme cap, so a whole house on a 5% deposit with no lenders mortgage insurance is realistic, not just a unit. Standard detached homes near the river and the centre are the norm, and which route fits your deposit is exactly what we work out.
Buying your next home in Jamisontown
This is settled family territory close to the Penrith centre, so the move is often a smaller house to a bigger 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.
Investment property loans in Jamisontown
An affordable house market that is walkable to the Penrith centre and the river, where homes rent steadily. 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.
Refinancing a Jamisontown 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 Jamisontown home with less than a 20% deposit, and because the established houses here mostly sit under the 5% Deposit 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 Jamisontown

What the 2750 market actually looks like

History of Jamisontown
Named after Thomas Jamison, a First Fleet surgeon granted land along the Nepean in 1805, Jamisontown stayed rural for generations before housing arrived from the 1960s. It sits immediately south of the Penrith centre on the river side, with Mulgoa Road the spine feeding the M4, and a large homemaker retail strip along it.
Jamisontown property market
An established house suburb on the Penrith fringe, close to the river and the centre, settled and family oriented rather than a new estate. Detached homes hold the value and most of the sales, with the big box retail strip on Mulgoa Road a local landmark.
How we help in Jamisontown
Close to the centre and the river, this is a refinance, equity and upgrader suburb. As homes build equity, we compare your current loan against 35+ lenders, show you whether the repayment comes down and where the saving is, release usable equity for a renovation or a granny flat, and set up bridging when a family buys the next home before selling. We do it at no cost to you.
Borrowing in Jamisontown
Mostly good news for a first home buyer, because the established houses here mostly sit under the 5% Deposit Scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is realistic. Larger blocks bring granny flat and duplex potential, and the older homes suit a renovate or refinance plan. Send us the address before you offer and we will tell you where you stand.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across Penrith.

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 Jamisontown, 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 Jamisontown

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

A house by the river, 5% down.

They had been saving for a unit, sure a house was out of reach for a first home. In Jamisontown, close to the river and the centre, it was not. The home they liked sat 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 refinance that cut the repayment.

They had owned their Jamisontown home for years on a rate they had not looked at in a while. We compared it against the whole panel and moved them to a sharper rate, resetting the structure so the repayment came down and the years left made sense. Sometimes the biggest saving is simply moving off a rate that has drifted while you were not looking.

Kept the home, bought the next.

An upgrading family had outgrown their Jamisontown home but did not want to sell it. We released equity from it for the deposit on a larger house nearby, set the two loans and securities up cleanly so each stood on its own, and rented the first out close to the centre. They ended up with the family home and an investment, in the one move.

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 Jamisontown 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 Jamisontown 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 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

Jamisontown 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 Jamisontown?
Jamisontown is a genuine first home buyer market, because the established houses here mostly sit under the 5% Deposit Scheme cap, so a whole house, not just a unit, is realistic. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. A 5% deposit with no lenders mortgage insurance is on the table, close to the river and the Penrith centre. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Jamisontown 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. Jamisontown is a common upgrade suburb close to the centre, 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 Jamisontown 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 Jamisontown 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. Jamisontown homes rent steadily near the centre and the river, 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 Jamisontown or beyond, distance changes nothing about how we work.
Can refinancing actually lower my repayments in Jamisontown?
It often can, and there is usually more than one lever. A sharper rate is the obvious one, but resetting the loan term, or dropping products and fees you are paying for and not using, can help too, and sometimes the biggest saving is simply moving off a rate that has drifted while you were not looking. We compare your current loan against the whole panel, and if the repayment comes down we show you exactly where the saving comes from, including the case where staying put is actually the better call.
Can I refinance to release equity for a renovation or the next purchase?
Yes, and it is one of the most common reasons people refinance. We release the usable equity you have built, broadly the current value less what you owe, and set it up to fund a renovation, a granny flat, a deposit on the next home or an investment. Because the amount depends on the valuation, and valuations differ between lenders, the lender with the sharpest rate is not always the one that frees up the most, so we weigh both together rather than chasing the rate alone.
Can I refinance to consolidate debts or restructure my loans?
Yes. Rolling a car loan, a personal loan or a couple of cards into the home loan can bring the total monthly cost down, because the home loan rate is usually far lower, and restructuring can also lift your borrowing capacity if a purchase is the next step. The thing to watch is the loan term, since spreading a short debt over a long loan can cost more over time even at a lower rate, so we structure it to avoid that and show you the numbers first.

Your Jamisontown 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

Jamisontown sits on the river side of the Penrith centre in Penrith, and it does not sit on its own. The Penrith CBD and South Penrith are close by, Regentville and Glenmore Park sit to the south, with Emu Plains across the river toward the Blue Mountains. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.