Kensington mortgage broker

Kensington mortgage broker

A mortgage broker
who knows Kensington.

Home loans in Kensington 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 Kensington

Each one runs differently here, because Kensington is a university suburb next to UNSW, where family houses sit alongside a strongly tenanted unit market driven by student and staff demand.

First home loans in Kensington
Kensington has a genuine way in for a first home through its unit market, driven by the university nearby, even though the houses run into the millions. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Kensington units sit under it. Some jobs skip lenders mortgage insurance altogether, including some health and university professions, and a family guarantor loan is the other common way to bring the deposit down.
Buying your next home in Kensington
The step in Kensington is often from a unit up to a house or a larger home, and both trade steadily here. Some people upgrade within Kensington as families grow. Others keep the unit, which rents well thanks to UNSW, and buy the house nearby in Kingsford, Randwick or Maroubra. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the two settlements will not line up.
Investment property loans in Kensington
Kensington has strong and steady unit rental demand from UNSW students and staff, with unit yields around 4.3% while houses return closer to 2.1%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work. Some student focused or smaller apartments can draw closer lender checks on size, so which lender you use matters. Keeping the new loan separate from the home loan matters for tax, so speak with your accountant early.
Refinancing a Kensington home loan
Loan sizes here are large, so a small rate difference is worth real money each year, and many loans have not been repriced since they settled. Equity can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security. A refinance is also the one moment the rate, the structure and the years left on the loan all get looked at together, which almost never happens if the loan is left alone.

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 Kensington apartment with less than a 20% deposit, and some suit this market better than others. We can walk you through them before you start inspecting.

0426 002 202 Let's meet
About Kensington

What the 2033 market actually looks like

History of Kensington
Kensington sits just south of the city between the university and the racecourse, developed through the early twentieth century with Federation and Art Deco homes. Home to the main UNSW campus, it balances a settled residential community with a large student and university population, close to the city and the beaches.
Kensington property market
Kensington runs family houses alongside a strongly tenanted unit market. Federation and Art Deco houses trade steadily and are tightly held, while apartments, many driven by UNSW demand, give first buyers and investors a way in. The university, the closeness to the city and the eastern suburbs keep demand firm across both ends.
Kensington property prices
Houses sit around $3.6 million, with roughly 41 sold in a year, while units are far more reachable and trade in greater numbers, about 148 in the same period. Unit yields run near 4.3%, among the better around, helped by university demand, while house yields sit closer to 2.1%, so the unit market is the accessible and income friendly end here.
Borrowing in Kensington
On a house you are past the loan size where lenders add their own checks. On a unit the building decides it, and Kensington has some smaller or student focused apartments where lenders look closely at size and can be cautious. Send us the address before you offer and we will flag anything a lender is likely to catch.

Whether it is a house or a university area unit, we know which lenders are comfortable with each, here and across the Inner West.

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 Kensington, 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 Kensington

Three real situations, each one that moved from stuck to sorted with the right lender.

A profession that skipped the insurance.

A university researcher buying near UNSW in Kensington had a good income but not quite a 20% deposit. Because of their profession, we placed the loan with a lender that waives lenders mortgage insurance for their field, which saved a significant one off cost and let them buy sooner. Same deposit, same income, but matching the right lender to their profession made the difference between waiting and buying now.

Rent that made the numbers work.

An investor wanted a Kensington unit and their bank said the borrowing fell just short. The issue was how that lender treated rental income, and the strong, steady UNSW driven demand makes the local rent do real work. We moved the application to a lender that counted a higher share of the rent towards serviceability. Same purchase, same rent, assessed differently, and it cleared. Which lender reads the rent often decides these deals.

A small apartment, the right lender.

A first home buyer wanted a compact unit near the university, and their own bank was cautious because the apartment was under the size some lenders like to see. Nothing was wrong with the buyer. We knew which lenders were comfortable with an apartment of that size and placed the loan with one of them, and it went through at a competitive rate. On smaller units, the choice of lender decides whether the loan happens.

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 Kensington 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 Kensington 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.

0426 002 202 Let's meet
Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and Royal North Shore is a few minutes away. 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

Kensington questions, answered

First home, next home, refinancing, accessing equity, investing, and how our digital appointments work. The essentials, then a quick call to get the current detail.

Can you help me buy my first home?
Yes, and Kensington has a genuine way in for a first home through its unit market, driven by the university nearby, even though the houses run into the millions. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a number of Kensington units sit under the scheme's property price cap. Which options apply depends on your income, your job and the property, and those rules change over time, so the best next step is a quick call where we go through your situation and tell you where you stand today.
Can you help me buy my next home?
Yes. A common Kensington move is trading a unit for a house or a larger home, with both changing hands steadily here. Some families upgrade within Kensington itself. Others hold the unit, which rents well off the back of UNSW demand, and buy the house close by in Kingsford, Randwick or Maroubra. The order you go in, sale then purchase or the reverse, shapes the loan, with bridging finance carrying you across a gap between settlements. Call us and we will work out the sequence and the structure that fit your circumstances.
Can you help me refinance?
Yes. Because Kensington homes carry large loans, a rate sitting even slightly above the market can cost you real money each year, and it is common for owners never to revisit the loan after settling. Refinancing is where the rate, the structure and the years remaining all get a fresh look together. We would rather not quote a number that dates in a week or two, so the practical step is a call, where we compare your loan across 35+ lenders and say plainly whether a move is worthwhile.
Can you help me access equity or get a better rate?
Yes. When a Kensington home has risen in value, the equity inside it can often be put towards a renovation, a further purchase or a cleaner loan structure, and the review will frequently uncover a better rate along the way. What you can actually release comes down to a fresh valuation and your overall position. As these figures shift with the market, a short call gives you a far more reliable number than any online estimate.
Can you help me buy an investment property, using equity or cash?
Yes. You might fund an investment from cash, from equity built up in a property you already hold, or a combination, and how it is arranged matters both for keeping things clean and for the tax treatment later. Kensington draws strong, steady unit rental demand from UNSW students and staff, with some of the better yields around, so apartments genuinely stack up here, and your equity can equally buy elsewhere. Talk to your accountant on the tax and to us on the lending, so the structure is right from the start.
Do you offer digital appointments and virtual meetings?
Yes. Given how many people around Kensington are juggling study, research or hospital shifts, a lot of our clients handle their loan entirely by phone, Zoom or Teams, with everything signed securely online through to settlement. It saves finding a gap in the week to come in. If you would still rather meet in person, we will come to you, evenings and weekends included. Reach out and we will set it up the way that suits you.

Your Kensington 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

Kensington does not sit on its own. It sits beside Kingsford and Randwick, with Mascot and the airport to the west and the city just north. Maroubra and Coogee sit towards the coast, and Moore Park and the racecourse are close by. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.