Kingswood mortgage broker

Kingswood mortgage broker

A mortgage broker
who knows Kingswood.

Home loans in Kingswood 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 Kingswood

Each one runs a little differently here, because Kingswood is the health and education hub of the far west, home to Nepean Hospital and a Western Sydney University campus, on the line right beside the Penrith centre.

First home loans in Kingswood
Good news for a first home buyer, because houses here sit well under the 5% Deposit Scheme cap, so a whole house on a 5% deposit with no lenders mortgage insurance is realistic. And because Nepean Hospital is right here, if you work in health several lenders will waive the insurance for eligible medical professionals, or lend a higher share without it. We work out which route fits.
Buying your next home in Kingswood
This is settled family territory beside the hospital and the university, 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 potential changes the numbers again.
Investment property loans in Kingswood
One of the far west's most dependable rental markets, built on Nepean Hospital, the Western Sydney University campus and the station, with a steady stream of health workers and students. Lenders count expected rent towards what you can afford, so the numbers often work. We know which lenders count that demand most fully and match the purchase to the right one.
Refinancing a Kingswood 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, 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 Kingswood home with less than a 20% deposit, and because houses here sit well under the 5% Deposit Scheme cap, a whole house on a 5% deposit is genuinely on the table, with a professional waiver on top if you work at the hospital. We can work through it before you start looking.

0426 002 202 Let's meet
About Kingswood

What the 2747 market actually looks like

History of Kingswood
Named for the family of Governor Philip Gidley King, Kingswood began as a railway siding called Crossroads and was renamed in 1887. It sits immediately east of the Penrith centre on the Main Western Line, with the Great Western Highway through it, and grew from farmland into the health and education hub of the far west.
Kingswood property market
An established house suburb with a distinct twist, because Nepean Hospital and the Western Sydney University campus draw a large workforce and student population. Houses hold the value, while the rental market around the hospital and the campus runs deep and steady.
How we help in Kingswood
The hospital and the university are the opportunity here. We check your profession against the panel, because several lenders waive the insurance for eligible medical roles, and we know which lenders count the health worker and student rental demand most fully. We compare 35+ lenders at no cost to you and stay with it from pre-approval to settlement.
Borrowing in Kingswood
Mostly good news, on two fronts. Houses here sit well under the 5% Deposit Scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is realistic, and if you work in health, and many here do, some lenders will waive the insurance or lend a higher share without it. The rental demand around the hospital supports an investment case. Send us the address, and your job, before you offer.

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 Kingswood, 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 Kingswood

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

The nurse who skipped the LMI.

A nurse working at Nepean Hospital assumed they needed a 20% deposit to buy nearby. We checked their profession against our panel and found a lender who waived the lenders mortgage insurance for their role, lending a higher share of the price with no premium. They bought a Kingswood home a short walk from their shifts, with a smaller deposit and no one else on the loan.

The investment that ran on hospital demand.

An investor wanted a Kingswood property for the rental demand around the hospital and the university, but their capacity looked tight. The demand was deep, and we placed the loan with a lender whose policy counted more of the rent, which made the numbers work. Beside a major hospital and a campus, the tenant pool rarely thins, but the loan only stacks up if the lender recognises the rent.

A first home under the cap.

A first home buyer wanted a house rather than a unit, and in Kingswood the home they liked sat well under the government scheme cap. 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. A house was closer than they had assumed.

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 Kingswood 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 Kingswood 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 Nepean Hospital sits right here in Kingswood, so a lot of local buyers work in health. 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

Kingswood 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 Kingswood?
Kingswood is a genuine first home buyer market, because houses here sit well under the 5% Deposit Scheme cap, so a whole house, not just a unit, is realistic on a 5% deposit with no lenders mortgage insurance. And because Nepean Hospital is right here, if you work in health several lenders will waive the insurance for eligible medical professionals, or lend a higher share without it. We look at your income, your deposit and what lenders will count, then get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Kingswood 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. Kingswood is a settled suburb where the right home comes up rarely, so buying first can be the way to secure it; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Kingswood 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 Kingswood 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. Kingswood rents strongly on Nepean Hospital and university demand, so lenders count that expected rent, though how much they count varies by lender. 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 shift workers at the hospital use them a lot. 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 Kingswood or beyond, distance changes nothing about how we work.
How do lenders count the rent on an investment property in Kingswood?
Lenders count a share of the expected rent towards what you can afford, but not all of it and not all the same way. Most take around 80% of the rent to allow for costs and vacancy, and some are more generous than others in how they treat it, which can change what you are able to borrow on the very same property. On higher yielding stock that difference matters a great deal. We know which lenders count rental income more fully, and we match the purchase to the one that makes your numbers work.
Should an investment loan be interest only or principal and interest?
Both get used, and it comes down to your strategy. Interest only keeps the repayment lower for a set period because you are not paying down the balance, which can help cash flow and is often chosen for tax reasons, then the loan switches to principal and interest and the repayment steps up. Principal and interest costs more each month but reduces what you owe from the start. Lenders assess interest only more tightly, which can affect borrowing power. The tax side is a conversation for your accountant, and we set the structure up around it.
How does using equity to buy an investment actually work?
Rather than a cash deposit, we release the usable equity in a property you already own, broadly its value less what you owe and less the buffer lenders keep, and use that as the deposit and costs on the investment. The key is to keep the two properties on separate loans and securities so they are not tied together, which keeps your options open later and can matter for tax. We structure it so the investment stands on its own, and run the equity release and the purchase as one plan.

Your Kingswood 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

Kingswood sits beside the Penrith centre in Penrith, and it does not sit on its own. The Penrith CBD is one stop west, Werrington and St Marys run east toward the city, with Cambridge Park and South Penrith nearby. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.