Northmead mortgage broker

Northmead mortgage broker

A mortgage broker
who knows Northmead.

Home loans in Northmead 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 Northmead

Each one runs a little differently here, because Northmead is a leafy house suburb just north of Parramatta and the Westmead health precinct, with larger blocks and no station of its own.

First home loans in Northmead
Northmead houses sit above the 5% Deposit Scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. Units here sit under the cap, so the 5% Deposit Scheme can put a unit within reach on a 5% deposit with no lenders mortgage insurance. We work out which route fits and line up the right lender.
Buying your next home in Northmead
This is upgrader and family territory on leafy, larger blocks, so the move is often a smaller house or a unit to a bigger home. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the order does not line up. A larger block with granny flat or duplex potential changes the numbers again.
Investment property loans in Northmead
Units here rent well, helped by the Westmead health precinct and Parramatta next door, and on a house a granny flat or second dwelling can add rent that some lenders count and others will not. That difference can decide the purchase, so we match you to the lender that treats the income most fully.
Refinancing a Northmead home loan
This is where most people find a quick win. As your value grows and your balance comes down, the equity in your place is often 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 on a Northmead house the equity released can fund a renovation, a granny flat, a duplex, or the deposit on 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 Northmead home with less than a 20% deposit. A unit can use the 5% Deposit Scheme, and on a house above the cap a family guarantee or a professional waiver may be the way in. We can work through which route fits before you start looking.

0426 002 202 Let's meet
About Northmead

What the 2152 market actually looks like

History of Northmead
Simply the area north of the Parramatta meadows, it sits about twenty four kilometres west of the city and four north of the Parramatta CBD. There is no station, so buses and the nearby Parramatta and Westmead precincts carry the trips, and a lot of the loan can be done by phone and video. It is a leafy, elevated, established family suburb on larger blocks.
Northmead property market
A house suburb first, on larger leafy blocks, with a smaller run of established low rise units. Houses hold the value and drive the market, and the suburb draws families and professionals who work at Westmead and Parramatta and want space nearby.
How we help in Northmead
Two markets and one broker who knows both. On a house above the cap we line up a guarantor or a professional waiver so a first home buyer is not stuck behind a 20% deposit, and on a refinance we know which lenders value a Northmead home most fully. With no station here, much of it runs by phone and video. We compare 35+ lenders at no cost to you.
Borrowing in Northmead
Two conversations. On a house you are above the 5% Deposit Scheme cap, at a loan size where lenders add their own checks, and a guarantor or a waiver may be the way in for a first home buyer. Units under the cap open the 5% scheme, and larger blocks bring granny flat and duplex potential. With no station here, a lot of clients do the whole thing by phone and video. 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 Northmead, 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 Northmead

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

The upgrade, run from home.

A busy family wanted to move up to a larger Northmead home but could not fit branch appointments in, and with no station nearby that mattered. We ran the whole thing by phone and video in the evenings, worked out their borrowing assuming the current home was still unsold, and arranged a short bridging facility so they could buy first and sell after, without the scramble.

The professional who skipped the deposit hurdle.

A buyer in an eligible profession, working nearby at the Westmead precinct, assumed they needed a 20% deposit or a guarantor for a Northmead house above the scheme cap. We checked their role against our panel and found a lender who waived the lenders mortgage insurance for their profession, lending a higher share of the price with no premium and no guarantor.

The refinance that funded the granny flat.

They had owned a leafy Northmead block for years and wanted a granny flat, both for family and for the rent. We refinanced to a sharper rate and released the equity they had built, setting up a staged facility that drew down as the work was done. Once it was tenanted, a portion of that rent counted towards servicing with the right lender, and the new rate cut the repayment on the rest.

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 Northmead 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 Northmead 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

Northmead 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 Northmead?
Northmead houses sit above the 5% Deposit Scheme cap, so for a house the way in is usually a family guarantor loan or a professional insurance waiver. Units here sit under the cap, so the 5% Deposit Scheme can put a unit within reach on a 5% deposit with no lenders mortgage insurance. We look at your income, your deposit and what lenders will count, then get you pre-approved so you know your number before you bid. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Northmead 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. Northmead is a settled family suburb where the right home comes up rarely, so buying first can be the way to secure it; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Northmead home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is a rate that has not been reviewed in years, or a guarantee over a parent's home still sitting there long after it was needed. As your value grows and your balance falls, the equity in your place 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 on a Northmead house the equity can be substantial. 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, 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 Northmead 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 so the properties are not tied together. Northmead units rent well on Westmead and Parramatta demand, and on a house a granny flat can add rent that lifts what you can borrow with the right lender. 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, and with no station in Northmead a lot of clients rely on them, including the many who work shifts at the nearby health precinct. 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 distance changes nothing about how we work.
Can refinancing actually lower my repayments in Northmead?
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 Northmead 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

Northmead sits just north of Parramatta in Western Sydney, and it does not sit on its own. The Parramatta CBD and the Westmead health precinct are a short run south, with Toongabbie and Wentworthville nearby. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.