Northern Beaches mortgage broker
Northern Beaches mortgage broker
A mortgage broker
who knows the Northern Beaches.
From a Brookvale apartment to acreage at Terrey Hills, and no single lender is comfortable across the lot. We compare more than 35 of them and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
Meet Ali Hasani
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 more than 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.
Want your offer
taken seriously?
Get the pre-approval sorted before you find the place, not after. It changes the conversation with an agent. We compare 35+ lenders and it costs you nothing.
Client stories
How we helped
Three real situations, and what actually happened in each one.
The offer everyone else missed.
A young couple had lost four homes in a row. Every time, they were offering subject to finance while somebody else was not. So before they found the next one we sorted the pre-approval, confirmed what they could borrow, and had the file ready. When the right place came up they offered with no finance condition and had it within a day, ahead of two higher offers. The seller wanted certainty more than they wanted the extra money.
They called about the rate.
A homeowner rang wanting a sharper rate. Looking at the loan, they had been with the same lender for more than twelve years and the structure no longer matched what they were trying to do. We moved them, brought repayments down by $580 a month, released $120,000 of equity for future investing, and cleared several ongoing fees off the loan. They rang about a rate and left with a plan.
They did not have to sell.
A growing family wanted a bigger home and assumed the current one had to go to pay for it. Once we went through the numbers, it did not. We restructured the lending, used the equity they already had as the deposit, and put a loan in place that let them keep the first home and rent it out. They moved into the house they needed and kept the one they had.
These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.
Start here
Find your local mortgage broker
Each page covers what that suburb sells, what lenders do there, and what deposit you are likely to need.
Avalon Beach mortgage broker
2107
Balgowlah mortgage broker
2093
Bayview mortgage broker
2104
Belrose mortgage broker
2085
Brookvale mortgage broker
2100
Collaroy mortgage broker
2097
Dee Why mortgage broker
2099
Freshwater mortgage broker
2096
Frenchs Forest mortgage broker
2086
Killarney Heights mortgage broker
2087
Manly mortgage broker
2095
Mona Vale mortgage broker
2103
Narrabeen mortgage broker
2101
Newport mortgage broker
2106
Palm Beach mortgage broker
2108
Seaforth mortgage broker
2092
Terrey Hills mortgage broker
2084
Warriewood mortgage broker
2102
See all 220+ suburbs we cover, or find a mortgage broker near you.
Do you actually have
to sell first?
Often not. We work out the equity you already have and whether you can keep the first place and rent it out.
Free guides
What to know before you buy
Twelve free guides covering how a Northern Beaches purchase actually runs, from pre-approval to settlement.
Home loan pre-approval
What pre-approval covers, how long it holds, and why it wins you properties.
Read the guide
Buying at auction
There is no cooling off once the hammer falls, so the finance has to be sorted first.
Read the guide
Private treaty sales
How a normal sale runs, where the cooling off period sits, and what you can push on.
Read the guide
Bank valuations
Lenders lend against the valuation, not the price you agreed to pay.
Read the guide
Property valuation guide
What a valuer looks at, and why two valuations can land far apart.
Read the guide
Freestanding houses
What changes when you buy a house on its own title rather than in a block.
Read the guide
Strata title apartments
What you own in a block, what the body corporate owns, and what lenders check.
Read the guide
Buying land to build
How the loan works when you buy the block first and put the house up after.
Read the guide
First time land buyers
What to know before you buy a block, including zoning, size and services.
Read the guide
Location and condition
What to look at on inspection day, well beyond the listing photos.
Read the guide
Choosing a home loan
Fixed, variable, offset and redraw, and which of them suits what you are doing.
Read the guide
Settlement day
What happens at the end, and everything that has to be ready before it.
Read the guide
What we do
Home loans for every Northern Beaches plan
First home
Learn more
Next home
Learn more
Investment property loans
Learn more
Refinancing
Learn more
No LMI loans
Learn more
Self employed home loans
Learn more
Guarantor loans
Learn more
Using your equity
Learn more
Building loans
Learn more
Bridging loans
Learn more
Debt consolidation
Learn more
SMSF loans
Learn more
See all home loan help at Buyvest, or read the free guides in the Loan Vault. This is general information only, not personal financial advice.
When did you last
check your rate?
We compare your current home loan against more than 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.
Your job matters
Home loans by profession
Some lenders drop lenders mortgage insurance for certain jobs, and Northern Beaches Hospital sits right in the middle of the region. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.
Home loans for
Bankers
Home loans for
Lawyers
Home loans for
Accountants
Home loans for
Auditors
Home loans for
Actuaries
Home loans for
Doctors
Home loans for
Dentists
Home loans for
Optometrists
Home loans for
Physiotherapists
Home loans for
Chiropractors
Home loans for
Psychologists
Home loans for
Osteopaths
Home loans for
Podiatrists
Home loans for
Pharmacists
Home loans for
Sonographers
Home loans for
Veterinarians
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.
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."
★★★★★
"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."
★★★★★
"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."
FAQ
Northern Beaches questions, answered
Why use a mortgage broker on the Northern Beaches?
The region runs from apartments in Brookvale and Dee Why to beachfront homes in Palm Beach and acreage at Terrey Hills, and no single lender is comfortable across all of it. Land size, coastal position, building age and loan size all change who will say yes. A bank can only give you its own answer. A broker checks several before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Why does pre-approval matter so much on the Northern Beaches?
Because stock is tight and sellers here have options. An offer subject to finance asks the seller to carry your risk, and when two offers are close the one without a condition usually wins, sometimes even when it is lower. Weigh that against what you are giving up. Pre-approval is not approval, every approval carries conditions, and a valuation is not ordered until there is an exchanged contract. Drop the finance clause and the loan then falls over, and the deposit is gone and the seller can pursue you for the rest. It is a real trade, so make it knowingly rather than because an agent suggested it.
Can I keep my current home and buy another one?
Often yes, and more people could than realise it. Instead of selling to fund the next purchase, you use the equity in the first home as the deposit and keep it as an investment. Whether it works comes down to whether your income supports both loans once the rent is counted, and lenders count rent differently. Getting the structure right at the start matters a great deal here, so it is worth working through before you list anything. Your accountant is the right person to ask about the tax side.
How much equity can I use?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. That figure is what funds a deposit on the next home, a renovation, or an investment purchase. Because it moves with your valuation, and valuations differ between lenders, the number is worth checking properly rather than estimating.
Do lenders lend on acreage at Terrey Hills or Duffys Forest?
Some do and some do not, and it usually comes down to land size and zoning. Many lenders are comfortable up to a couple of hectares on residential zoning and get more cautious beyond that. Rural zoning, shared driveways, unsealed access, tank water or no mains sewer can all change the answer or the deposit required. It is very much a lender by lender question, so check before you fall for a block rather than after.
Do lenders treat beachfront homes differently?
Some do. Coastal hazard is a real consideration along parts of the coast, and a lender or a valuer may take erosion mapping and council overlays into account when they assess a property. It does not stop you buying, but it can affect the valuation and which lenders are comfortable. Insurance is worth pricing early too, since a lender will want the property insured before settlement.
Do lenders treat Northern Beaches apartments differently?
Sometimes. Larger blocks in Dee Why, Brookvale and Manly can count as high density with certain lenders, which caps how much they will lend. Studios and small one bedroom units can fall under a lender's minimum size. Older walk ups in Freshwater and Manly can raise questions about the building rather than about you. The same unit can be approved by one lender and declined by another.
Can I get a Northern Beaches home loan with no LMI?
You may be able to. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. Some lenders drop it completely for certain jobs, and with Northern Beaches Hospital in the middle of the region plenty of local buyers are on those lists. A family guarantor loan is another way to avoid it. We check every option across our panel before you commit to paying it.
How do I know if my rate is still competitive?
If you have not looked in a year or more, there is a fair chance it is not. Lenders price new business more sharply than existing loans, so long standing customers often drift. The other thing worth checking is whether the loan still suits what you are doing, because the structure you set up years ago may not match your plans now. We review it for free and tell you either way, including when switching is not worth the cost.
How much does it cost to refinance a home loan?
Usually a few hundred dollars to around a thousand. Your current lender charges a discharge fee, there are government fees to move the mortgage, and the new lender may charge a settlement or valuation fee, though plenty waive them. If you are on a fixed rate there can be break costs, and those can be large, so they get checked first. The real question is whether the saving over the next couple of years clears the cost.
Can I get a home loan if I am self employed?
Yes. The Northern Beaches has a lot of trades, creatives and small business owners. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. The bigger issue is what gets added back. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. Which lender you apply to matters more than it does for a salaried buyer.
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, you often find out after you have applied and paid for a valuation. On a peninsula where the right house does not come up often, that delay costs you more than the fee would. A broker checks it against many lenders first. Buyvest compares more than 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.
Buyvest serves every suburb across the Northern Beaches: Avalon Beach mortgage broker | Balgowlah mortgage broker | Bayview mortgage broker | Belrose mortgage broker | Brookvale mortgage broker | Collaroy mortgage broker | Dee Why mortgage broker | Freshwater mortgage broker | Frenchs Forest mortgage broker | Killarney Heights mortgage broker | Manly mortgage broker | Mona Vale mortgage broker | Narrabeen mortgage broker | Newport mortgage broker | Palm Beach mortgage broker | Seaforth mortgage broker | Terrey Hills mortgage broker | Warriewood mortgage broker