Manly mortgage broker

Manly mortgage broker

A mortgage broker
who knows Manly.

Home loans in Manly 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 Manly

Each one runs differently here, because Manly is overwhelmingly an apartment market with a small, prestige pool of houses and the ferry straight to the city.

First home loans in Manly
In Manly the way in for a first home is almost always a unit, because freestanding houses run well into the millions while apartments make up the bulk of the market. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and some Manly units sit under it while many sit above. Some jobs skip lenders mortgage insurance altogether, which helps at these prices, and a family guarantor loan is the other common way to bring the deposit down.
Buying your next home in Manly
The step from a Manly unit to a house is a large one, because houses are scarce and prestige here, but it is doable in stages. Some people move to a larger apartment first, closer to the beach or the ferry. Others keep the unit, rent it out and buy the house nearby or along the beaches. 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 Manly
Manly is one of the deepest rental markets on the beaches, with a large share of residents renting and constant demand near the beach and ferry, and unit yields run around 3%. Lenders count expected rent towards what you can afford, so that rent does real work in the assessment. Houses return less and lean on your income. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Manly home loan
At Manly loan sizes, even a small rate difference is worth real money each year, and many loans here 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 you leave the loan 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 Manly 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 Manly

What the 2095 market actually looks like

History of Manly
Manly was named by Governor Phillip for the confident bearing of the local Aboriginal people he met there. It became Sydney's original seaside resort, reached by ferry from the city, and today balances that beach holiday heritage with a dense residential community around the Corso, the harbour and the ocean beach.
Manly property market
Manly is overwhelmingly an apartment market. Older and boutique blocks near the beach and ferry trade constantly and make up the bulk of sales, while a small, tightly held pool of houses sits at the prestige end. With a large share of residents renting, first buyers and investors compete for the same units.
Manly property prices
Houses sit around $5 million on a thin market, with only around 52 sold in a year, while units trade in far greater numbers, over 320 in the same period, and are more reachable. Unit yields run near 3%, house yields lower. That deep, active unit market alongside scarce prestige houses defines Manly.
Borrowing in Manly
On a house you are past the loan size where lenders add their own checks, and scarce prestige homes can value in a wide range. On a unit the building decides it, and older beachside or boutique blocks, or any with a high investor share, can draw extra questions. Send us the address before you offer.

Whether it is a beachside apartment or a prestige house, we know which lenders are comfortable with each, here and across the Northern Beaches.

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 Manly, 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 Manly

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

The unit that got them in near the beach.

A first home buyer wanted to live near Manly beach but a house was never realistic. We focused on the unit market, found an apartment that sat under the property price cap for the Australian Government 5% Deposit Scheme, and they bought with a 5% deposit and no lenders mortgage insurance. They were living a walk from the sand far sooner than they expected, savings kept back as a buffer, with a plan to build equity and trade up.

Rent counted, and the loan cleared.

An investor wanted a Manly unit and their bank said the borrowing did not quite stack up, because of how it treated rental income. Given the constant demand near the beach and ferry, the local rent is genuinely reliable, so we moved the application to a lender that counted a higher share of it towards serviceability. Same purchase, same rent, assessed differently, and it cleared comfortably. Which lender reads the rent often decides these deals.

A prestige house, the right lender.

They were buying a Manly house at a size their own bank was cautious about, given how few trade and how wide the valuations run. We took the file to a lender comfortable with prestige beachside homes, structured it around their full position rather than a single payslip, and the funding came through at a sharper rate than their bank had offered. At the top of this market, the right lender is often not the one you already bank with.

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 Manly 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 Manly 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

Manly 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 in Manly the way in for a first home is almost always a unit, because freestanding houses run well into the millions while apartments make up the bulk of the market and are far more reachable. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and which ones apply depends on your income, your job and the property. Those rules and limits change over time, so the best next step is a quick call where we go through your situation and tell you exactly where you stand today.
Can you help me buy my next home?
Yes. In Manly the step from a unit to a house is a large one, because houses are scarce and prestige here, but the move is doable in stages. Some people move to a larger apartment first, others keep the unit as a rental and buy the house nearby or further along the beaches. 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. Because Manly loans tend to be big, a rate that has drifted even slightly off the pace can cost thousands a year, yet plenty of borrowers here have not looked at their loan since the day it settled. Refinancing lets you reassess the lot at once, rate, structure and the term still to run, not just the headline figure. As rates and lender rules keep moving, a number quoted now dates quickly, so the practical step is a call where we benchmark your loan across 35+ lenders and say plainly whether switching wins.
Can you help me access equity or get a better rate?
Yes. Where your Manly home has appreciated, the equity locked inside it can usually be released for a renovation, a further purchase or a reshaping of your lending, and the same look often uncovers a keener rate too. What is usable rests on a fresh valuation and your position, and with so few Manly houses trading, valuers can land a fair way apart on the same home. Since those figures shift, a quick call is the surest way to establish exactly what you have to work with right now.
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. Manly's deep unit market and strong rental demand, with a large share of residents renting, make apartments a genuine investment option, while houses are more a lifestyle and capital play. 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?
Yes, and being a ferry ride from the city, plenty of Manly clients like handling it remotely. A quick Zoom, Teams or phone session slots around work and family, and we can carry the whole loan through that way, first chat to settlement, signing everything securely online. If sitting down together suits you better, we will come to you, evenings and weekends included. Just reach out and we will set up whatever works, screen or in person.

Your Manly 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

Manly does not sit on its own. It anchors the southern end of the beaches, with Freshwater and Balgowlah just north and west, and Seaforth towards the Spit. The coast runs north through Dee Why and Collaroy up the peninsula. The ferry links Manly straight to the city, and Brookvale sits just inland. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.