Northern Beaches mortgage broker

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Northern Beaches mortgage broker

A mortgage broker
who knows the Northern Beaches.

Bushfire and flood overlays, insurance that has to be sorted before settlement, and stock that barely moves. We compare 35+ lenders and it costs you nothing.

35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
Start here

Find your local mortgage broker

Closest to the harbour, Balgowlah and Seaforth lead up to Manly, our busiest beachside centre, with Freshwater just north. Inland, Brookvale and Frenchs Forest sit against Killarney Heights and Belrose. Up the coast, Dee Why, Collaroy and Narrabeen run into Warriewood, Mona Vale and Bayview, with Newport, Avalon Beach and Palm Beach the furthest north. Inland from all of it, Terrey Hills sits closer to bushland than the beach.

Not on the list? We've helped clients Sydney wide. See every suburb we cover.

Buying your first home
on the Northern Beaches?

We compare 35+ lenders, work out what you can borrow, and help you get pre-approved before you start looking.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Northern Beaches

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.

Client stories

How we helped

Three real situations, and what actually happened in each one.

The insurance came in first.

They had finance approved and a contract about to exchange, but the property sat in a bushfire overlay and the insurance quote took two weeks longer than expected. The lender would not settle without cover in place. We flagged it on day one instead of waiting for it to become a problem, and the extra time was built into the settlement date rather than costing them the deposit.

The valuation nobody could pin down.

Stock in their pocket barely turns over, so the comparable sales a valuer had to work from were over a year old. The first valuation came back well under the contract price. We took it to a second lender with a different valuation panel, who used a more recent off-market sale we pointed them to, and the number came back where it needed to be.

Two lenders, two different overlays.

A flood notation on the title had one lender asking for extra reports and a longer approval timeline. We moved the application to a lender whose policy treated the same notation as routine, and the loan was approved in the time frame the client actually needed.

These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.

Time to refinance
your home loan?

We compare your current loan against 35+ lenders. If switching 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
Free guides

What to know before you buy

Three free guides covering how a Northern Beaches purchase actually runs, from pre-approval to settlement.

Home loan pre-approval

What it covers, and how long it lasts.
Read the guide

Buying at auction

No cooling off once the hammer falls.
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 for every Northern Beaches plan

First home
Learn more
Next home
Learn more
Refinancing
Learn more
Investment property
Learn more

Not sure where to start? See what a mortgage broker actually does.

Ready to buy
your next home?

We work out the equity you already have, what it could buy, and whether you can buy before you sell.

0426 002 202 Let's meet
Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs. 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

Free check

We work out what you can borrow across 35+ lenders, and which ones suit the suburb and the kind of place you are buying.
2

Get pre-approved

We get your file ready and send it to the lender most likely to say yes to you and to your building.
3

Settle, then stay in touch

We stay with you to settlement, then keep an eye on your rate after that.
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

Northern Beaches questions, answered

Why use a mortgage broker on the Northern Beaches?
Bushfire and flood overlays sit on titles through the forest suburbs and around the lagoons, and lenders take different views on how much that matters. Stock is thin and it holds, so valuations can be harder to pin down. A broker checks several lenders before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Why does insurance matter more here than the approval itself?
A lender wants the property covered before settlement, and in a bushfire or flood overlay area, cover can be expensive or slow to arrange. It is usually the practical hold up rather than the loan itself. We flag it early, as soon as we know the address.
Why do valuations vary so much here?
Because stock barely turns over. Published medians swing between sources, and a valuer working from a handful of older comparable sales can land somewhere different to what the market is actually paying. A different lender using a different panel, or a recent off-market sale, can move the number considerably.
Do lenders treat Northern Beaches apartments differently?
Some do. Larger blocks in the busier centres can count as high density with certain lenders, which caps how much they will lend on a unit there. Studios and small one bedders can fall under a lender's minimum floor size. Send us the address before you make an offer and we will tell you where it stands.
Can I buy my first home with a 5% deposit?
If you are an eligible first home buyer, often yes. The Australian Government 5% Deposit Scheme lets you buy with a 5% deposit and pay no lenders mortgage insurance. Housing Australia guarantees the gap between your deposit and 20%, so the lender treats the loan as covered. We check what applies to you before you start looking.
How much equity can I use for a renovation?
Usable equity is roughly 80% of what your home is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. For cosmetic work the money can normally come as a top up on your existing loan.
Can I buy before I sell?
Often yes, using a bridging loan, where the lender carries both loans for a period. In a market where the right place does not come up often, that flexibility matters. Not every lender offers one and the terms vary a lot.
How long does a home loan pre-approval last?
Ninety days. That is the standard across lenders, and there is no such thing as a six month pre-approval whatever you may read elsewhere. Each application is also a hard enquiry on your credit file, so applying to several lenders at once works against you.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans, its own valuation panel and its own rules. If any one of those does not suit your property or its overlay, you usually find out after you have applied and paid for a valuation. A broker checks it against many lenders first. Buyvest compares 35+ lenders at $0 cost to you.

Your Northern Beaches mortgage broker
Your home loan. Made simple.

Free check. No pressure. More than 35+ lenders compared at $0 cost to you.

0426 002 202 Let's meet