Kenthurst mortgage broker
Kenthurst mortgage broker
A mortgage broker
who knows Kenthurst.
Large holdings where the land is worth more than the house, and owners weighing whether to subdivide, sell part of it, or borrow against what they already have. We compare 35+ lenders and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
About Kenthurst
What the 2156 market actually looks like
History of Kenthurst
Orchard and poultry country from the earliest grants, worked by families who stayed for generations. The village grew around the crossroads rather than a railway, and the district kept its rural zoning while the growth corridor filled in to the west. Kenthurst shares its postcode with Annangrove and Glenhaven, all part of the same acreage belt.
Kenthurst property market
Lifestyle acreage almost entirely, with horse properties, hobby farms and large family homes on holdings that run from a couple of hectares upward. There is no railway station and the roads are car centric. Very few properties trade in a year, owners hold for a long time, and when something does list it can sit for a while before it sells.
Kenthurst property prices
Well into the millions, with the range driven by land area, how much of it is usable, and what has been built. On many holdings the land carries more of the value than the dwelling does. Rents are low relative to what properties cost, which is normal where land value rather than rental demand sets the price.
Borrowing in Kenthurst
Two things come up more here than anywhere. Whether the holding can be split, and what a valuer actually credits for improvements built for a particular lifestyle rather than for the market. Underneath both sits land size, because past a certain area a residential loan becomes rural lending with different terms and a smaller panel.
Kenthurst is one of the suburbs we cover across the Hills District, and the one where subdivision comes up most often.
Thinking about
splitting the land?
Approval comes first and the finance follows it. Knowing the order saves months and a good deal of money.
Your broker
Meet Ali Hasani
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.
Spent a fortune
on the arena?
A valuer credits what the market would pay, not what it cost. Worth knowing before you count it as equity.
Client stories
How we helped
Three real situations, and what actually happened in each one.
The subdivision came first.
They wanted to split the holding and were expecting a lender to fund the process. It does not work that way. The approval and the survey come first and are funded from your own resources or from equity already released, because until the new titles exist there is nothing for a lender to secure against. We released equity against the property as it stood, and the rest followed once the titles registered.
Built for them, not buyers.
They had spent heavily on specialised improvements and expected the valuation to reflect it. A valuer prices what the market would pay for the whole property, and improvements built for one particular way of living appeal to a narrower pool of buyers than the owner assumes. The valuation came in below expectations. We adjusted the equity release to the real figure rather than the hoped for one.
Their income carried it all.
They were buying to let and had built their numbers off the full rental appraisal. Lenders count a portion of expected rent, commonly around eighty per cent, and assess the loan at a rate well above the actual one. On a property at this price the rent covered very little of a very large loan, so their own income did almost all the work. Knowing that first changed the price range they searched in.
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 Kenthurst 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 for every Kenthurst plan
First home
Learn more
Next home
Learn more
Investment property
Learn more
Refinancing
Learn more
Construction loans
Learn more
Bridging loans
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Guarantor loans
Learn more
No LMI and waived LMI
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Self employed home loans
Learn more
Not sure where to start? See what a mortgage broker actually 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.
Your job matters
Home loans by profession
Some lenders drop lenders mortgage insurance for certain jobs, which is worth checking when the property itself already narrows the field. The lists and the limits differ from one lender to the next.
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.
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.
★★★★★
"Cannot recommend Ali highly enough. He made a complicated and daunting process incredibly easy, and continually went above and beyond. Would absolutely recommend him to everyone."
★★★★★
"Ali is super knowledgeable, reasonable and personable! He will be realistic with what is possible but always find you the best deal whilst making you feel looked after."
★★★★★
"Ali is a maestro with a wealth of experience in home lending business, mixed with excellent people skills. His professional and supportive approach is a safe pair of hands to work with to get the required funds for your goal in the property market."
FAQ
Kenthurst questions, answered
Why use a mortgage broker in Kenthurst?
Because a single lender gives you a single answer, and answers vary widely on identical numbers. We take your position to 35+ lenders at no cost to you, come back with what each will do, and manage the application through to settlement. Brokers work under a legal obligation called the Best Interests Duty, so we are required to put you ahead of ourselves.
How much of my equity is available?
The working figure is around eighty per cent of what the property is worth now, minus the balance outstanding. Push beyond that and lenders mortgage insurance usually reappears. For most Kenthurst owners the equity is not the sticking point at all. Whether the income supports the repayment is, so that is the calculation worth running before anything else.
Can I draw funds out without selling?
Yes, by increasing the borrowing against a property you already hold and taking the difference. It can come as a single amount for something specific, or as a limit you draw against as you need it. It is assessed as a full application rather than a formality, so income and existing commitments are examined in the same way as any other loan.
Can I put that equity into another property?
Yes, and it removes the need to save a second deposit. Equity released from your existing property covers the deposit and the associated costs, leaving two loans, one against each property, with nothing coming out of your savings. What decides it is whether the income carries both once some of the rent is counted. Bring your accountant in early, because the structure has tax consequences.
Why not let one lender hold both properties?
Because convenience now costs you options later. When both properties secure the same borrowing, every future request is measured against the entire arrangement, and selling or moving either one means undoing the whole thing. Giving each property its own loan avoids that, and it keeps the investment borrowing clearly separated, which your accountant will want to see.
What is an offset account and how does it help?
It is an everyday account tied to your loan, and whatever is sitting in it is deducted from the loan balance before interest is worked out. You pay less interest and the money remains yours to use. It suits people carrying a working balance. Loans offering an offset can come with a marginally higher rate or a yearly fee, so it depends on the balance you hold.
How is redraw different?
Redraw is money already paid into the loan beyond the required repayments, which the lender lets you take back under conditions it can change. Offset money never enters the loan at all and simply reduces the interest calculated. Offset gives you firmer control. Redraw tends to be attached to plainer loans carrying a lower rate, which suits people who will not need the money back.
Fixed or variable?
A fixed rate holds your repayment steady for an agreed period, and the cost is that you do not benefit if rates come down. Variable tracks the market and normally comes with an offset and unrestricted extra repayments. Fixed loans usually place a ceiling on extra repayments and can carry break costs if you exit before the term ends. It depends on what you value.
Can I have both?
Yes, through a split, which most lenders allow without extra charge. You fix one portion for certainty and leave another variable with an offset attached and free extra repayments. It is also useful for holding one portion on a shorter term than the rest. Splits are rarely raised by a lender first, so it is worth asking about.
Interest only or principal and interest?
Principal and interest reduces the balance and costs less across the whole loan. Interest only holds the repayment down for a set period without touching the balance, which means the debt is unchanged when the period finishes and the repayment then jumps. It appears far more frequently on investment lending. On an investment there are tax effects, and that belongs with your accountant.
Can I pay it off faster?
On a variable loan, generally as fast as you like, and it compounds because every extra dollar cuts the interest charged from that day forward. Fixed loans normally cap the additional amount you can pay each year and charge once you go past it. If paying ahead is part of your plan, check that limit before fixing rather than afterwards.
When is it worth reviewing the loan?
Any time a couple of years have passed without comparing, because lenders reserve sharper pricing for new customers and the gap opens quietly. A fixed term ending is another moment, as is wanting to draw equity out. If the comparison shows staying where you are makes more sense once the costs are counted, that is what we will tell you.
What does refinancing cost?
Generally a few hundred dollars through to about a thousand. Your existing lender charges a discharge fee, there are government fees for moving the mortgage, and the incoming lender may charge settlement or valuation fees, although many waive them. Break costs on a fixed rate are checked first. On a large holding expect a full valuation rather than a desktop one, which adds time.
Will the loan term start again?
It will unless somebody asks otherwise, since the standard is a fresh thirty year term. That makes the monthly figure look better while adding years of interest you had not planned for. If you are eleven years in, those eleven years go back on. Ask for the remaining term. No lender raises it for you, so it needs requesting each time.
Can I buy the next place first?
Yes. Bridging finance funds the new purchase while the existing property remains on the market, with the sale clearing the bridge when it settles. Or, where the equity is there, you release it to fund the purchase and sell afterwards without a clock running. Around Kenthurst properties can take time to find the right buyer, so the second route often suits better.
Should I hold onto the current property and let it?
Worth pricing rather than deciding on instinct. The tests are whether your income handles both loans once part of the rent counts, and whether equity can be released without a sale. Holding a former home also changes how it is treated for tax, so have that conversation with your accountant before committing in either direction.
How much rent do lenders actually use?
Only part of it. Expected rent is discounted to allow for vacancy, management and running costs, and the amount discounted varies between lenders. They then test the loan at a rate above the one you will pay. In this district rents sit low against what properties cost, so the rental figure does less work in an assessment than owners generally assume.
What deposit would a buyer need here?
Twenty per cent avoids lenders mortgage insurance and at local prices that is a large amount. Some occupations can have the insurance waived, and a family guarantee can cut what is needed. Most people buying here already own something, so equity does the work instead of cash. Establishing what you can borrow first, then working back to the deposit, is the practical order.
Does the 5% Deposit Scheme apply here?
Rarely, because local prices sit above the scheme cap and larger holdings generally fall outside what scheme lenders will write. The Australian Government 5% Deposit Scheme allows an eligible first home buyer to purchase with a 5% deposit and pay no lenders mortgage insurance, with Housing Australia guaranteeing the gap to 20%. It is far more usable in the suburbs west of here.
How does a family guarantee work?
A relative offers part of the equity in their property as extra security behind your loan. No money changes hands and they are not liable for your repayments. Most are limited to a defined portion rather than the whole property. Once your loan has reduced sufficiently against the value of your home, the guarantee can be released, though somebody has to ask for it.
Can I borrow with retirement approaching?
Often, and lenders will want to understand how the loan is dealt with when work stops. Superannuation, other assets or downsizing are the usual answers. Some lenders shorten the term instead, which raises the repayment. Bringing it up at the start means we can go to the lenders whose approach suits your circumstances rather than discovering an obstacle late in the process.
The block is large. Does that affect the loan?
It can, and this is not something a general answer covers well. Around Kenthurst, land size, zoning and the way a valuer treats a bigger parcel all influence which lenders will consider the property and what they will advance, and each lender handles it differently. Those positions also shift over time. Send us the address and we will check the panel for you.
Do we have to meet in person?
Not unless you would like to. The whole process runs by phone, Zoom or Teams, with documents shared and signed electronically, so nobody drives anywhere for a conversation. If you would rather meet face to face we come to you, including evenings and weekends.
Bank or broker?
A bank offers only its own loans under its own rules, and has no reason to mention when another lender would take a better view of your position or your property. We compare 35+ lenders, put the application together properly and stay with it through to settlement, at $0 cost to you. Around Kenthurst that breadth matters, because the property narrows the field first.
Your Kenthurst mortgage broker
Your home loan.
Made simple.
Free check. No pressure. 35+ lenders compared at $0 cost to you.
Kenthurst sits in the middle of the acreage belt, with the growth corridor west and the Old Northern Road suburbs east. Annangrove and Glenhaven share the postcode, with Dural, Middle Dural and Glenorie north east. Nelson, North Kellyville and Kellyville sit west down the corridor, with Castle Hill and Baulkham Hills south. Maraylya and Norwest lie west across the farmland and the corridor. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.