Lilyfield mortgage broker

Lilyfield mortgage broker

A mortgage broker
who knows Lilyfield.

Home loans in Lilyfield 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 Lilyfield

Each one runs differently here, because Lilyfield is a quieter, tightly held family pocket beside the Balmain peninsula, where family homes are closely held and rarely come up.

First home loans in Lilyfield
In Lilyfield a first home is usually a unit or a smaller house, because the family homes here are tightly held and run into the millions. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and some Lilyfield units sit under it while houses sit above. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down close to the city.
Buying your next home in Lilyfield
The step in Lilyfield is often up to a larger family home, and because stock is tightly held the right one does not come up often. Some people upgrade within Lilyfield as families grow. Others keep the first place, rent it out and buy nearby in Rozelle, Leichhardt or across the peninsula. 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 Lilyfield
Lilyfield is a family residential market rather than a high yield one, with house yields under 2.5% and limited rental stock. Lenders count expected rent towards what you can afford, but on lower yields your own income carries most of the assessment. Many owners here use their Lilyfield equity to invest in higher yielding areas instead. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Lilyfield home loan
This is a strong, tightly held market, 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 Lilyfield unit or smaller home 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 Lilyfield

What the 2040 market actually looks like

History of Lilyfield
Lilyfield sits on the western side of the Balmain peninsula, a quieter residential neighbour to Rozelle and Leichhardt, bordered by Callan Park and the Bay Run. Once industrial in parts, it has become a settled, sought after pocket of Federation homes and terraces, with the light rail running through and the city close by.
Lilyfield property market
Lilyfield is a tightly held family market. Federation homes and terraces on quiet streets trade in modest numbers and are closely held, alongside a smaller pool of units. The quieter setting, the light rail, Callan Park and the closeness to the city keep demand firm, though listings are limited and the market moves less than busy Leichhardt next door.
Lilyfield property prices
Houses sit around $2.6 million, with only around 87 sold in a year, a tightly held market, while units are more reachable and trade in smaller numbers. House yields sit under 2.5%, so this is a family residential market rather than an income one, with the light rail and the quiet streets holding demand firm.
Borrowing in Lilyfield
On a house you are often near the loan size where lenders start adding their own checks, and Federation homes and terraces can have quirks that some lenders weigh differently. On a unit the building decides it, and older converted blocks near the peninsula raise a few questions. Send us the address before you offer.

Whether it is a family home or a 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 Lilyfield, 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 Lilyfield

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

A guarantor into a first home.

A first home buyer wanted to get into Lilyfield, but prices near the peninsula put a decent deposit out of reach for a while yet. Their parents offered to help, so we set up a family guarantor loan using a limited slice of the parents' equity as extra security. That let them buy with a smaller deposit and no lenders mortgage insurance, and we structured it so the guarantee could be released later once they had built enough equity of their own.

Ready when the right home came up.

A family had been waiting for the right Lilyfield home for months, in a pocket where houses are tightly held and rarely list. We got their finance fully sorted in advance, worked out a firm limit across a couple of lenders, so when the home finally came up they could move immediately rather than scramble. They secured it ahead of others still arranging finance. In a tightly held market, being ready beats being fast.

Equity that funded the reno.

An owner wanted to renovate their Lilyfield home and assumed they would need to save for years. On review, their home had grown in value and there was usable equity sitting in it. We refinanced to a sharper lender and structured the loan so the renovation was funded from that equity, with an offset to keep the interest down. The renovation they thought was years away started that year.

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 Lilyfield 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 Lilyfield 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

Lilyfield 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. A Lilyfield first home tends to be a unit or a smaller house, since the family homes here are closely held and priced in the millions. Schemes for first buyers, insurance waivers for some professions and guarantor arrangements can each trim the deposit, and for a house in particular a family guarantor loan usually does the most work. What fits comes down to your income, your job and the property, and because the rules shift over time, the sensible first step is a quick call to talk your situation through and see where you actually stand.
Can you help me buy my next home?
Yes. In Lilyfield the step is often up to a larger family home, and because stock is tightly held the right one does not come up often, so being finance ready matters. Some people upgrade within Lilyfield, others keep the first place as a rental and buy nearby in Rozelle or Leichhardt. Whether you sell first or buy first changes how the loan is built, and bridging finance covers the gap. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. In a tightly held, growing market like Lilyfield, plenty of owners have left their loan untouched since it settled, and that is usually where a keener rate is hiding. Refinancing is your chance to reassess the whole thing at once, rate, structure and the years still to run, not just the number out front. As rates and lender criteria keep moving, anything quoted today ages quickly, so the practical step is a call where we benchmark your loan across 35+ lenders and tell you plainly whether a switch is worth making.
Can you help me access equity or get a better rate?
Yes. If your Lilyfield home has grown in value, and this is a strong, tightly held market, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently turns up a sharper rate along the way. How much is usable depends on a current valuation and your position, so the most useful thing is a quick call where we work out what is genuinely available to you today rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. An investment can be funded from cash, from the equity sitting in a property you already own, or a mix, and how it is set up matters for keeping finances clean and for the tax later. Since Lilyfield is a family residential pocket rather than a yield play, most people here tap their local equity to buy somewhere with a stronger return instead of in the suburb itself. Speak with your accountant on the tax and with us on the lending, so the structure holds up from day one.
Do you offer digital appointments and virtual meetings?
Yes. Many of our Lilyfield clients never need to leave the neighbourhood for any of it, handling the loan by phone or on Zoom or Teams around their own schedule. The whole process can run that way if it suits, from the opening chat to settlement, with paperwork signed securely online. Prefer to sit down together? We will come to you, evenings and weekends included. Get in touch and we will arrange it whichever way works for your household.

Your Lilyfield 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

Lilyfield does not sit on its own. It sits on the Balmain peninsula beside Rozelle and Leichhardt, with Balmain out on the point and Annandale just south. Glebe sits towards the city and the Inner West runs on through Petersham. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.