Mona Vale mortgage broker

Mona Vale mortgage broker

A mortgage broker
who knows Mona Vale.

Home loans in Mona Vale 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 Mona Vale

Each one runs differently here, because Mona Vale is the peninsula town centre, pairing a busy unit market with family houses and the B-Line to the city.

First home loans in Mona Vale
Mona Vale is one of the more reachable parts of the peninsula for a first home, with a genuine unit market and the town centre and B-Line making it popular with first buyers. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a good number of Mona Vale 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 Mona Vale
The step from a Mona Vale unit to a house is a genuine one, and both trade in solid numbers here, so the move is on the table rather than years off. Some people upgrade within Mona Vale as families grow. Others keep the unit, rent it out and buy the house in Warriewood, Bayview or Newport. 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 Mona Vale
Mona Vale rents steadily thanks to the town centre, the hospital and the B-Line, with house yields around 2.7% and units closer to 3.2%. Lenders count expected rent towards what you can afford, so that rent does real work while your income carries the rest. The active unit market gives investors a genuine choice here. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Mona Vale home loan
House values here have grown steadily, 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 Mona Vale apartment or a smaller house 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 Mona Vale

What the 2103 market actually looks like

History of Mona Vale
Mona Vale sits at the heart of the peninsula, where the ocean beaches meet the road to Pittwater. Long the commercial centre for the northern beaches, it grew around its town centre and beach, and today anchors the area with shops, Mona Vale Hospital and the B-Line bus terminus linking straight to the city.
Mona Vale property market
Mona Vale runs a balanced market as the peninsula hub. Family houses trade steadily, and an active pool of apartments trades below them, drawing first buyers and investors. The town centre, hospital and fast bus link keep demand strong across both, making it one of the more liquid markets on the northern beaches.
Mona Vale property prices
Houses sit around $2.9 million, with roughly 106 sold in a year, a liquid market for the area. Units trade in similar numbers, about 97 in the same period, on a stronger yield near 3.2%. House values have grown steadily, so this is a market with both a firm house side and an active unit side.
Borrowing in Mona Vale
On a house you are often near the loan size where lenders start adding their own checks, keeping more options open than at the prestige end of the peninsula. On a unit the building decides it, and some older or larger town centre blocks draw a few extra questions. 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 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 Mona Vale, 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 Mona Vale

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

Rent counted, and the loan cleared.

An investor wanted a Mona Vale unit and their own bank said the borrowing did not quite stack up. The sticking point was how that lender treated rental income, and the steady demand around the town centre makes the local rent genuinely reliable. We moved the application to a lender that counted a higher share of that rent towards serviceability. Same purchase, same rent, assessed by a different lender, and it cleared comfortably. Which lender reads the rent often decides these deals.

The scheme they already qualified for.

A couple renting near the Mona Vale town centre 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 Mona Vale unit with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for moving costs and a buffer. The wait they had braced for simply did not need to happen.

One loan, two lenders, both approved.

An owner wanted to keep their Mona Vale unit and buy a house nearby, and a single lender would not fund the whole picture. Same borrower, same income, same debts. We refinanced the unit to a lender with a sharper rate, released the equity that freed up, and placed the house loan with a second lender that read their income more generously. Splitting it across two lenders, rather than forcing everything through one, was what got both loans over the line.

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 Mona Vale 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 Mona Vale 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

Mona Vale 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 Mona Vale is one of the more realistic spots on the peninsula for a first home, because it has a genuine unit market alongside the houses and the town centre and B-Line make it popular with first buyers. 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. Mona Vale is one of the easier peninsula suburbs to trade up in, because units and houses both turn over often, so the jump is realistic rather than a distant hope. You might upgrade within Mona Vale itself, or hold the unit as a rental and finance a house elsewhere. The sequence matters: sell first for a firm budget, or buy first with bridging finance carrying you across. Call us and we will work out which order and structure fits your circumstances.
Can you help me refinance?
Yes. With Mona Vale values having climbed, a loan arranged a couple of years back is often no longer the keenest deal on the table. A refinance is your chance to look at the whole picture at once, the rate, how the loan is structured, and the term remaining, not just the number out front. Because rates and lender rules keep shifting, a figure quoted today dates fast, so the right move is a call where we run your loan past 35+ lenders and tell you plainly if switching stacks up.
Can you help me access equity or get a better rate?
Yes. Growth in Mona Vale values means the equity sitting in your home can often be put to work, whether that is a renovation, a second purchase or reshaping how your lending is set up, and the same review commonly surfaces a better rate as a bonus. What is actually usable comes down to a current valuation and your overall position, and those numbers shift with the market. So instead of trusting a portal estimate, a short call lets us pin down exactly what you have available today.
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 way it is structured matters for keeping things clean and for tax later. Mona Vale has an active unit market and steady tenant demand from the town centre and hospital, so it can work as an investment, and equity here can also fund a purchase elsewhere. 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. A lot of Mona Vale clients meet us by phone, Zoom or Teams, which fits busy schedules and saves a trip, and we can run the whole loan that way, from the first chat to settlement, with documents handled securely online. If you would rather meet in person we come to you, including evenings and weekends. The town centre is handy but you do not need to leave it to get this done. Get in touch and we will set up whichever way of meeting suits you.

Your Mona Vale 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

Mona Vale does not sit on its own. As the peninsula hub it connects Newport and Bayview to the north with Warriewood and Narrabeen just south, and Avalon Beach and Palm Beach further up the peninsula. The coast runs on through Collaroy towards Manly. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.