Kirrawee mortgage broker

Kirrawee mortgage broker

A mortgage broker
who knows Kirrawee.

Home loans in Kirrawee 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 Kirrawee

Each one runs differently here, because Kirrawee is a growth pocket of the Shire, where newer apartments near the station sit alongside established family houses.

First home loans in Kirrawee
Kirrawee has become one of the more accessible parts of the Shire for a first home, thanks to newer apartment developments near the station adding fresh unit stock. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Kirrawee units sit under it. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down.
Buying your next home in Kirrawee
The step in Kirrawee is often from a unit up to a house, and with both new apartments and established houses trading, the move is realistic. Some people upgrade within Kirrawee as families grow. Others keep the unit, rent it out and buy the house nearby in Gymea, Miranda or Sutherland. 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 Kirrawee
Kirrawee's newer apartments near the station rent well and draw steady tenant demand, making them a genuine investment option. Lenders count expected rent towards what you can afford, so that rent does real work. Larger new blocks here can carry lender exposure caps, where a lender limits how many units in one building it will fund, so which lender you use matters. Speak with your accountant early on the tax side.
Refinancing a Kirrawee home loan
Values here have grown, so the equity in your place may be more than you last checked. That figure can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security on your loan. 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 you leave the loan where it is.

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 Kirrawee 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 Kirrawee

What the 2232 market actually looks like

History of Kirrawee
Kirrawee grew as a residential and light industrial suburb in the central Shire, its name from an Aboriginal word said to mean lengthy or long. In recent years the old brick pit site near the station has been redeveloped into apartments and a town centre, giving a settled family suburb a growing, denser residential heart.
Kirrawee property market
Kirrawee runs newer apartments alongside established houses. Recent developments near the station have added a pool of modern units that give first buyers and investors a way in, while family houses on comfortable blocks sit above them. The station, the schools and the new town centre keep demand firm across both ends.
Kirrawee property prices
Houses sit above many neighbouring suburbs, reflecting the family appeal and the newer town centre, while the fresh apartment stock near the station is more reachable and trades steadily. The mix of new units and established houses makes Kirrawee both an entry point for first buyers and a step up for growing families.
Borrowing in Kirrawee
On a unit the building decides it, and Kirrawee has larger new blocks near the station where some lenders cap their exposure or look closely at completion and defects. On a house you are often near the loan size where lenders add checks. Send us the address before you offer and we will flag anything a lender is likely to catch.

Whether it is a new apartment or an established house, we know which lenders are comfortable with each, here and across the Sutherland Shire.

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 Kirrawee, 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 Kirrawee

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

The scheme they already qualified for.

A couple renting near Kirrawee station had saved a 5% deposit and assumed years more waiting lay ahead. What they had not realised was that they were eligible for the Australian Government 5% Deposit Scheme, which let them buy a newer Kirrawee unit with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for a buffer. The wait they had braced for simply did not need to happen.

An exposure cap, the right lender.

An investor wanted an apartment in a large new Kirrawee block, and their own lender said no, not because of them but because it had already lent against too many units in that building and had hit its exposure cap. We knew which lenders still had room in that block, placed the loan with one of them at a competitive rate, and it went through. In big new blocks, knowing which lender has capacity is often the whole game.

From unit to house, in order.

An owner wanted to keep their Kirrawee apartment as a rental and buy a house nearby, and the timing of the two did not line up. We worked out their borrowing across both, arranged bridging finance so they could buy the house before the move was complete, and set the unit up as an investment loan. They ended with a home and a rental, structured cleanly, rather than being forced to sell the unit to make the house happen.

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 Kirrawee 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 Kirrawee 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

Kirrawee 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 Kirrawee has become one of the more accessible parts of the Shire for a first home, thanks to the newer apartment developments near the station adding fresh unit stock. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a number of Kirrawee units sit under the scheme's property price cap. 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. In Kirrawee the step is often from a unit up to a house, and with both the new apartments and established houses trading, the move is realistic. Some people upgrade within Kirrawee, others keep the unit as a rental and buy the house nearby in Gymea, Miranda or Sutherland. Whether you sell first or buy first changes how the loan is built, and bridging finance covers the gap when timing does not line up. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. Kirrawee has grown quickly, so a loan arranged before the town centre took off may sit above today's sharper rates. A refinance is where the rate, the structure and the years left get looked at side by side, not just the front figure. Since rates and lender policies move constantly, a quote now dates within weeks, so the real step is a call where we compare your loan across 35+ lenders and tell you plainly if a switch is worth it.
Can you help me access equity or get a better rate?
Yes. If your Kirrawee home has gained value, the equity inside it can often go towards a renovation, a further purchase or a tidier loan setup, and the review usually turns up a better rate too. What you can release comes down to a current valuation and your position, and in a growth suburb those figures shift. So 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. An investment purchase can come from cash, from equity in a property you already hold, or a mix of both, and the structure matters for keeping things clean and for tax later. Kirrawee's newer apartments near the station rent well and draw steady tenant demand, so they can work as an investment, though larger new blocks can carry lender exposure caps worth checking. Loop your accountant in on the tax, and call us on the lending so the structure is right from day one.
Do you offer digital appointments and virtual meetings for customers based in Kirrawee?
Yes. A lot of Kirrawee clients, especially first buyers in the new blocks, run the whole loan by phone, Zoom or Teams and sign everything securely online through to settlement, with no need to come in. If you would rather meet in person, we will come to you, on weeknights or weekends. Tell us what suits and we will set it up that way.

Your Kirrawee 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

Kirrawee does not sit on its own. It sits in the central Shire beside Gymea and Sutherland, with Miranda to the east and Grays Point and the national park to the south. Jannali and Loftus sit close by, and the Shire runs on to Caringbah and the coast. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.