Merrylands mortgage broker

Merrylands mortgage broker

A mortgage broker
who knows Merrylands.

Home loans in Merrylands 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 Merrylands

Each one runs a little differently here, because Merrylands is the apartment centre of its part of Western Sydney, a growing town centre where affordable units meet houses that sit around the cap.

First home loans in Merrylands
Units are the easy way in, sitting under the first home scheme cap, so a 5% deposit with no lenders mortgage insurance is realistic. Houses sit right around the cap, so a smaller house can sometimes use the scheme too, while larger homes sit over it. A lot of the new units are judged on the building. We work out which route fits and line up the right lender.
Buying your next home in Merrylands
The step from a Merrylands unit to a house is a real one, though the houses sit around the cap rather than far above it. Some upgrade to a house nearby. Others keep the unit, rent it out and buy the house. Selling first or buying first changes the loan, and a larger block brings granny flat and duplex potential.
Investment property loans in Merrylands
A strong cashflow market, with affordable units and a growing town centre. Lenders count expected rent towards what you can afford. A lot of the stock is new or off the plan, so the building decides a lot, and a valuation at completion can differ from the price agreed, which is why it pays to line the finance up early.
Refinancing a Merrylands home loan
This is where most people find a quick win. As the town centre is renewed and your equity grows, what your place is worth may be 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, release a parent's home used as security, or free up a deposit for the next one.

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 Merrylands home with less than a 20% deposit, whether it is an affordable unit under the cap or a smaller house around it. We can work through which route fits before you start looking.

0426 002 202 Let's meet
About Merrylands

What the 2160 market actually looks like

History of Merrylands
Named after an early estate, it sits about twenty two kilometres west of the city and four south of Parramatta, on the T2 line, anchored by the large Stockland Merrylands centre. A major apartment renewal is under way near the station, and the housing mix is shifting from older brick homes to mid rise units.
Merrylands property market
The apartment suburb of its area. A growing run of units near the station and the centre trades briskly, while older houses sit on the streets behind, and a large pipeline of new apartments keeps the unit market deep and still growing.
How we help in Merrylands
New apartments call for a broker who plans ahead. We line up the finance early on an off the plan purchase, keep the pre-approval current through a long build, and know which lenders handle a valuation that lands at completion. We compare 35+ lenders at no cost to you and match the loan to the property and the timing.
Borrowing in Merrylands
Two conversations, and the building matters on the unit side. Units sit under the first home scheme cap, so a 5% deposit with no lenders mortgage insurance is realistic; a house sits right around the cap, so a smaller one can sometimes use the scheme. New and off the plan units can value at completion, so timing matters. Send us the address before you offer.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across Western Sydney.

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 Merrylands, 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 Merrylands

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

First home near the mall, 5% down.

A first home buyer wanted to be near the Stockland centre and the station but assumed a purchase was years away. Their Merrylands unit sat under the government scheme cap, so we checked their eligibility and they bought with a 5% deposit and no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The off the plan settlement, sorted early.

They had bought a new Merrylands apartment off the plan near the town centre, and settlement was more than a year away. We lined up the finance early, kept the pre-approval current as the build ran on, and when the valuation came in at completion we already knew which lender fitted it best. The settlement went through on time, with no scramble at the end.

A house right at the cap.

They wanted a house rather than a unit for their first home, and in Merrylands a smaller one sat right around the government scheme cap. We checked the price and their eligibility, and they bought a whole house on a 5% deposit with no lenders mortgage insurance. 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 Merrylands 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 Merrylands 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.

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Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and lend a higher share of the price without it. 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

Merrylands 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 Merrylands?
Merrylands works two ways for a first home. Units sit under the first home scheme cap, so a 5% deposit with no lenders mortgage insurance is realistic, and a smaller house sits right around the cap, so a house can sometimes use the scheme too. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. On a new unit the building matters, because the valuation lands at completion. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Merrylands 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. Buying first suits a market where the right house is rare; selling first means you know your number before you bid. Which way round suits you comes down to your own position, so it is worth pricing both.
When is it worth refinancing a Merrylands home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is an interest only period rolling over on an investment unit, a rate that has not been reviewed in years, or a guarantee over a parent's home still sitting there. As the town centre is renewed and your equity grows, what your place is worth 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, and they pair up well. A refinance lets you move to a lower rate and release equity 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, and on a new unit it can be conservative, so the sharpest rate is not always the highest valuation. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Merrylands 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. Merrylands units rent well at affordable prices, so lenders count that expected rent, though how much they count varies by lender, and a new unit is judged on the building. 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. 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 Merrylands or beyond, distance changes nothing about how we work.
Can refinancing actually lower my repayments in Merrylands?
It often can, and there is usually more than one lever. A sharper rate is the obvious one, but resetting the loan term, or dropping products and fees you are paying for and not using, can help too, and sometimes the biggest saving is simply moving off a rate that has drifted while you were not looking. We compare your current loan against the whole panel, and if the repayment comes down we show you exactly where the saving comes from, including the case where staying put is actually the better call.
Can I refinance to release equity for a renovation or the next purchase?
Yes, and it is one of the most common reasons people refinance. We release the usable equity you have built, broadly the current value less what you owe, and set it up to fund a renovation, a granny flat, a deposit on the next home or an investment. Because the amount depends on the valuation, and valuations differ between lenders, the lender with the sharpest rate is not always the one that frees up the most, so we weigh both together rather than chasing the rate alone.
Can I refinance to consolidate debts or restructure my loans?
Yes. Rolling a car loan, a personal loan or a couple of cards into the home loan can bring the total monthly cost down, because the home loan rate is usually far lower, and restructuring can also lift your borrowing capacity if a purchase is the next step. The thing to watch is the loan term, since spreading a short debt over a long loan can cost more over time even at a lower rate, so we structure it to avoid that and show you the numbers first.

Your Merrylands 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

Merrylands sits just south of Parramatta in Western Sydney, and it does not sit on its own. Guildford and Granville are close by, Greystanes to the west, with Auburn nearby and the Parramatta CBD and the Westmead health precinct a short run north. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.