Narrabeen mortgage broker

Narrabeen mortgage broker

A mortgage broker
who knows Narrabeen.

Home loans in Narrabeen 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 Narrabeen

Each one runs differently here, because Narrabeen pairs pricey beachfront and lagoon houses with a busy, more reachable unit market.

First home loans in Narrabeen
In Narrabeen the way in for a first home is usually a unit, because the freestanding houses run well into the millions while the unit market is active and more reachable. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Narrabeen 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 near the beach.
Buying your next home in Narrabeen
The step from a Narrabeen unit to a house is a big one, because beachfront and lagoon houses sit at the top of the market, but it is doable in stages. Some people upgrade within the area, others keep the unit, rent it out and buy the house in Warriewood, Collaroy or further along. 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 Narrabeen
Narrabeen rents steadily thanks to the beach, the lagoon and the surf scene, with the unit market doing most of the investment work at yields around 3%. Lenders count expected rent towards what you can afford, so that rent does real work while your income carries the rest. Beachfront houses lean more on your income given lower yields. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Narrabeen home loan
House values here have swung a lot, so the equity in your place may be quite different from what you assume. 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 Narrabeen 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 Narrabeen

What the 2101 market actually looks like

History of Narrabeen
Narrabeen sits around its lagoon where the peninsula meets the northern beaches, one of the area's oldest holiday spots and a home of Australian surf culture. Today it mixes beachfront and lagoon homes with a busy village and unit market, with the lagoon trail and the beach defining local life.
Narrabeen property market
Narrabeen runs two markets. Beachfront and lagoon houses sit at the top and trade rarely, while an active pool of apartments trades below them and does most of the entry level and investment work. That split means the house market and the unit market here behave quite differently from each other.
Narrabeen property prices
Houses sit around $4 million on a thin, swinging market, with only around 27 sold in a year. Units are far more active and more reachable, near $1.3 million and growing, doing most of the trading. Yields on units run near 3%, so the unit market is where most first buyers and investors start here.
Borrowing in Narrabeen
On a beachfront or lagoon house you are past the loan size where lenders add their own checks, and waterfront homes can draw a cautious valuation from some lenders. On a unit the building decides it, and some older beachside blocks raise a few questions. Send us the address before you offer.

Whether it is a beachfront 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 Narrabeen, 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 Narrabeen

Three real situations, each one solved by the lender rather than a bigger deposit.

The unit that got them started.

A first home buyer wanted to be near Narrabeen beach but assumed a house was out of reach, which it was. We looked at the unit market instead, 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 in near the beach far sooner than they expected, with savings kept back as a buffer, and a plan to trade up later.

A beachfront valuation, worked around.

They were buying a Narrabeen beachfront home and the first lender's valuation came back cautious, as waterfront homes often do. Rather than accept it and find more cash, we ran the property through a lender whose panel valuer knew the beachfront and its recent sales. The second figure landed closer to the price, kept their deposit where they planned it, and the purchase settled on the terms they had agreed. A different valuer can see the same home very differently.

Rent counted, and the loan cleared.

An investor wanted a Narrabeen unit and their bank said the borrowing did not quite stack up, because of how it treated rental income. Given the steady beach and lagoon demand, 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.

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 Narrabeen 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 Narrabeen 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

Narrabeen 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 Narrabeen the way in for a first home is usually a unit, because the freestanding houses run well into the millions while the unit market is active and 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 Narrabeen the step from a unit to a house is a big one, because beachfront and lagoon houses sit at the top of the market, but the move is doable in stages. Some people upgrade within the area, others keep the unit as a rental and buy the house nearby. 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. Narrabeen house prices have swung sharply, so equity and the right loan can look very different now from when you first borrowed, and a refinance lets you reassess the whole thing at once, rate, structure and years remaining, not just the number out front. Since rates and lender rules keep changing, anything quoted today goes stale quickly, so the sensible move is a call where we put your loan up against 35+ lenders and tell you straight whether shifting pays off.
Can you help me access equity or get a better rate?
Yes. If your Narrabeen home has grown in value, 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, and beachfront and lagoon homes can value in a wide range between lenders. Because those figures move, the most useful thing is a quick call where we work out what is genuinely available to you today.
Can you help me buy an investment property, using equity or cash?
Yes. Cash, the equity in a property you already own, or a blend of both can fund an investment, and arranging it well matters for tidy finances and for tax down the line. With its lively unit market and dependable beach and lagoon tenant demand, Narrabeen genuinely stacks up for investors, though many owners also use local equity to buy in a higher yielding area. Bring your accountant in on the tax side and call us on the lending so the structure is sound from the outset.
Do you offer digital appointments and virtual meetings?
Yes. Many Narrabeen clients meet us by phone, Zoom or Teams, which fits busy schedules and saves a trip up the peninsula, 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. Get in touch and we will set up whichever way of meeting works best for you.

Your Narrabeen 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

Narrabeen does not sit on its own. It wraps around its lagoon between Warriewood to the north and Collaroy to the south, with Mona Vale and Bayview up the peninsula and the coast running down towards Manly. Newport and Avalon Beach sit further north. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.