Oatley mortgage broker

Oatley mortgage broker

A mortgage broker
who knows Oatley.

Home loans in Oatley 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 Oatley

Each one runs a little differently here, because Oatley is a tightly held house suburb by the river, where units are rare and the homes seldom come up.

First home loans in Oatley
Oatley houses sit above the first home scheme cap, so the way in is usually a family guarantor loan or a professional insurance waiver, or a unit in Mortdale or Hurstville nearby that sits under it. The Australian Government 5% Deposit Scheme is $1.5 million across Sydney and still helps here, just more often on a unit a suburb over than on a house in Oatley itself.
Buying your next home in Oatley
This is upgrader country, and stock is scarce and tightly held, so a clear number and a fast pre-approval matter when the right home finally comes up. Bridging finance covers the gap when it appears before yours has sold. A river view, a block near Oatley Park, or subdivision potential all change how the loan is built.
Investment property loans in Oatley
Most people buy in Oatley to live, and with yields near 2.2% it is not a high income market. The more common move is releasing equity from an Oatley home to buy an investment in a higher yielding suburb, keeping the securities separate so the properties are not tied together. That part touches tax, so it is worth running past your accountant early.
Refinancing an Oatley home loan
This is where most people find a quick win. Values here have held up well, so 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 it can fund a renovation, a knock down rebuild, a deposit elsewhere, or release a parent's home used as security.

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 an Oatley home with less than a 20% deposit, and because the houses here sit above the first home scheme cap, a guarantor or a professional waiver is often the key. We can work through it before you start looking.

0426 002 202 Let's meet
About Oatley

What the 2223 market actually looks like

History of Oatley
Named after James Oatley, the colonial clockmaker, it is a leafy pocket on the Georges River, known for the bushland of Oatley Park, the tidal baths and the small village shops. The station on the Illawarra line runs to the city about eighteen kilometres north.
Oatley property market
A house suburb almost end to end, tightly held, with very few units. Families move in and stay for decades, so little comes up in any given year, and what does can move quickly once it does. This is the opposite of the apartment suburbs further down the line.
Oatley property prices
Houses sit near $2.0 million on a low gross yield around 2.2%, broadly flat over the past year after strong earlier gains. The rare unit sits closer to $810,000. House sales far outnumber units here, the reverse of most of the St George line.
Borrowing in Oatley
Mostly one conversation, about houses. Loan sizes are large, and a river view or a block near Oatley Park can carry a premium that some valuers read cautiously. Older character homes and knock down rebuilds bring construction lending into it. Send us the address before you offer and we will tell you where you stand.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across the St George area.

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 Oatley, 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.

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Client stories

How we helped in Oatley

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

Priced out of the house, in with a guarantee.

A first home buyer had good income but the Oatley house they wanted sat above the deposit they could reach, and above the government scheme cap. Their parents wanted to help without handing over cash. We used a limited guarantee against part of the parents' equity, which meant no lenders mortgage insurance and no money changing hands. A few years on, with the value up and the balance down, the guarantee was released.

The knock down rebuild, financed in stages.

They bought an older home on a good Oatley block meaning to knock it down and rebuild. A standard loan does not fit that, so we set up a construction facility against the fixed price contract and the approved plans, released in stages as each part of the build was finished, with interest charged only on what had been drawn. The old loan and the build sat in one structure rather than two.

Equity here, an investment elsewhere.

An Oatley owner wanted an investment property but found the local yields too low to make the numbers work. Rather than buy in Oatley, we released equity from their home for the deposit and costs and placed the purchase in a higher yielding suburb, keeping the two securities separate. The home stayed clean, and the investment stood on its own. The tax side they worked through with their accountant first.

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 an Oatley 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 Oatley for every plan

First home
Learn more
Next home
Learn more
Investment property
Learn more
Refinancing
Learn more
Construction loans
Learn more
Bridging loans
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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 St George Hospital in Kogarah is a short drive 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

Oatley 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 Oatley?
Oatley is a tightly held house suburb, and the houses here sit above the first home scheme cap, so the way in is usually a family guarantor loan or a professional insurance waiver. The other common route is a unit in Mortdale or Hurstville nearby, which sits under the $1.5 million cap and can be bought 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. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Oatley 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. Oatley stock is scarce and tightly held, so when the right house finally comes up, buying first can be the only way to secure it. Selling first means you know your number before you bid, so it is worth pricing both.
When is it worth refinancing an Oatley 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. Oatley values have held, so the equity in your place may be well past what you think, and that can fund a renovation or a deposit elsewhere. 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 an Oatley home 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 and can be cautious on river view or park adjacent homes with few comparables, 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 using the equity in my Oatley home?
Yes, and here it is often the sensible way to do it. Local yields near 2.2% make an Oatley investment hard to stack up, so many owners release equity from their home for the deposit and costs and buy in a higher yielding suburb instead, keeping the two securities separate so the properties are not tied together. Lenders count the expected rent on the investment towards what you can afford. How the borrowing is split affects tax, so that part is worth running past your accountant.
Do you offer digital appointments and evening or weekend meetings?
Yes. 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 wherever you are in Oatley or beyond, distance changes nothing about how we work.
Can refinancing actually lower my monthly repayments?
It often can, and there is usually more than one lever. A sharper rate is the obvious one. Resetting the loan term can bring the monthly figure down as well, though it stretches the loan out, so we show you what that trade costs over time. Dropping products or fees you are paying for and not using helps too. We compare your current loan against 35+ lenders, and if the repayment comes down we show you exactly where the saving comes from.
Can I refinance to fund a renovation or a knock down rebuild?
Yes, and on Oatley's older character homes and larger blocks this is a common reason to refinance. Releasing equity can fund a renovation, while a knock down rebuild usually needs a construction facility that draws down in stages against the fixed price contract and approved plans, with interest charged only on what has been drawn. We look at the equity you have and the likely finished value, and structure the borrowing so the existing loan and the build sit together rather than in two places.
Can I refinance to release a family guarantee over my parents' home?
Usually, yes, once enough equity has built up. Plenty of people bought their first place with a parent's home as security and never revisited it. As your property rises in value and the balance comes down, you often reach the point where the guarantee is no longer needed. We refinance the loan, release the parents' property from the mortgage, and can look at the rate and structure at the same time. Oatley values have held, so it is worth checking where an old guarantee stands.

Your Oatley 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

Oatley sits by the Georges River next to Mortdale, a short run down the St George line from the hub at Hurstville, and it does not sit on its own. Penshurst and Kogarah with its hospital are close by, and toward the bay sit Bexley, Brighton-le-Sands, Monterey and Sans Souci, with Rockdale, Arncliffe and Wolli Creek nearer the airport. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.