Jordan Springs mortgage broker

Jordan Springs mortgage broker

A mortgage broker
who knows Jordan Springs.

Home loans in Jordan Springs 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 Jordan Springs

Each one runs a little differently here, because Jordan Springs is a new master planned community north east of the Penrith centre, brand new houses around a lake, built for first home buyers and young families.

First home loans in Jordan Springs
This is a first home buyer suburb by design. New and near new 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. On a house and land or off the plan purchase the loan runs a little differently, drawing down in stages, so which route fits your deposit is exactly what we work out.
Buying your next home in Jordan Springs
Growing families move up within the estate as it builds out, from a first townhouse or smaller home to a larger house. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up. Keeping the first home and renting it out is a common way to end up with two.
Investment property loans in Jordan Springs
A new estate with brand new stock and a young family tenant base around the lake and the village centre. Lenders count expected rent towards what you can afford, so the numbers often work. New and off the plan stock is judged on the building, and a valuation at completion can differ from the price agreed, which is why it pays to line the finance up early.
Refinancing a Jordan Springs home loan
This is where most people find a quick win. Once a new build settles and the estate matures, the equity in your place can move quickly, so what it is worth may be 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 second dwelling, or the deposit on the next one.

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 Jordan Springs home with less than a 20% deposit, and because new houses here mostly sit under the 5% Deposit Scheme cap, a whole house on a 5% deposit is on the table, whether it is a completed home or a house and land build. We can work through it before you start looking.

0426 002 202 Let's meet
About Jordan Springs

What the 2747 market actually looks like

History of Jordan Springs
A new master planned community by Lendlease, registered as a suburb in 2011 on part of the former defence land north east of the Penrith centre, much of the wider site kept as conservation land. It sits about seven kilometres from the Penrith centre with no station of its own, reached by road to the Penrith and St Marys stations, and is built around a central lake, wetlands, parks and a village centre.
Jordan Springs property market
A new, house dominated master planned estate, one of the region's flagship new communities, with modern detached homes and some medium density built for families. New and near new stock defines the suburb, and the lake and parkland lifestyle is the durable draw.
How we help in Jordan Springs
New estates call for a broker who plans ahead. On a house and land build we set up a construction loan that draws down in stages against the fixed price build, with interest charged only on what has been drawn, and on an off the plan home we line up the finance early and keep the pre-approval current through the build. We compare 35+ lenders at no cost to you.
Borrowing in Jordan Springs
Mostly good news for a first home buyer, because new houses here mostly sit under the 5% Deposit Scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is realistic. A house and land build runs as a construction loan drawing down in stages, and an off the plan home can value at completion, so timing matters. Send us the plans and the contract before you commit.

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 Jordan Springs, 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.

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Client stories

How we helped in Jordan Springs

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

A new house, 5% down.

A first home buyer wanted a brand new Jordan Springs home but assumed a new build was out of reach. The home sat under the government scheme cap, so we checked their eligibility and they bought on a 5% deposit with no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer. A new house was closer than they had assumed.

The house and land build, drawn in stages.

A young family bought a Jordan Springs house and land package and needed the loan to match the build. We set up a construction facility that drew down in stages against the fixed price contract, with interest charged only on what had been drawn, so the repayments stepped up as the house went up rather than all at once. It settled cleanly when the build finished.

Kept the first home, bought the next in the estate.

A family had outgrown their first Jordan Springs home as the estate matured. Rather than sell, we released equity from it for the deposit on a larger house nearby, set the two loans and securities up cleanly, and rented the first out to a local family. They moved up within the community they already knew, and kept the first home as an investment.

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 Jordan Springs 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 Jordan Springs 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

Jordan Springs 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 Jordan Springs?
Jordan Springs is built for first home buyers, because new 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. On a completed home the loan is straightforward; on a house and land package it runs as a construction loan that draws down in stages. We look at your income, your deposit and the contract, then get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Jordan Springs 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. As the estate builds out, families move up within it, 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.
How does a house and land or construction loan work in Jordan Springs?
On a house and land build the loan comes in two parts. First the land settles, then a construction facility draws down in stages against the fixed price building contract, at the slab, frame, lockup, fixing and completion stages, with interest charged only on what has been drawn, so the repayments step up as the house goes up rather than all at once. The lender values the finished home against the plans and contract. We set the whole thing up and line up the progress payments so the build runs smoothly.
Can I refinance to a sharper rate and unlock equity at the same time?
Often, yes. Once a new build settles and the estate matures, the equity in your place can move, and a refinance lets you move to a lower rate and release some of it 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 sharpest rate is not always the highest valuation. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Jordan Springs 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. Jordan Springs draws a young family tenant base around the lake and the village, so lenders count that expected rent, though how much they count varies by lender, and new stock is judged on the building. 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, and with no station in Jordan Springs a lot of clients rely on them. 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 distance changes nothing about how we work.
How does the 5% Deposit Scheme actually work?
The Australian Government 5% Deposit Scheme, once called the First Home Guarantee, lets an eligible first home buyer purchase with as little as a 5% deposit while the government guarantees the rest, so you avoid the lenders mortgage insurance that a smaller deposit would normally trigger. There is a price cap on the property and some basic rules around residency and not having owned a home before, but there is no income cap and places are now unlimited, so far more buyers qualify than under the old rules. Not every lender is on the scheme, so the lender still matters. We check your eligibility, line up a participating lender, and run it beside the other first home options so you pick the best one for Jordan Springs.
What first home buyer grants and concessions can I use in Jordan Springs?
Beyond the deposit scheme there is often other help, such as stamp duty concessions for first home buyers under certain price thresholds, and at times a grant on a brand new build. What applies changes from time to time and depends on the price and the type of property, so we point you to what currently applies in Jordan Springs and build it into your numbers rather than you finding out after you have committed. Used together, they can meaningfully cut what you need up front.
How much deposit do I really need to buy my first home in Jordan Springs?
Less than most people assume. A 20% deposit avoids lenders mortgage insurance, but there are several ways in with less. The 5% deposit scheme, a family guarantee against a parent's equity, or a professional waiver for certain jobs can each get you there with a smaller deposit and no insurance premium. You also need to allow for costs like stamp duty where it applies, and legal and inspection fees. We work out the real number for your situation before you start looking in Jordan Springs, so there are no surprises.

Your Jordan Springs mortgage broker
Your home loan.
Made simple.

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

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Jordan Springs sits north east of the Penrith centre in Penrith, and it does not sit on its own. Cranebrook is close by, with the Penrith centre, Werrington Downs and St Marys a short run south and east. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.