Orchard Hills mortgage broker

Orchard Hills mortgage broker

A mortgage broker
who knows Orchard Hills.

Home loans in Orchard Hills 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 Orchard Hills

Each one runs a little differently here, because Orchard Hills is a semi rural suburb of undulating farmland and rural residential blocks south east of the Penrith centre, now with a new metro station and the airport reshaping its edges.

First home loans in Orchard Hills
The established acreage here generally sits over the 5% Deposit Scheme cap, so it is not a standard first home market, though newer standard house and land at the developing edges is more likely to fall under it. For a first home on a 5% deposit we point you to where the scheme works, here or nearby, and work out what fits your deposit.
Buying your next home in Orchard Hills
For those moving up to an acreage or rural residential block, the land and the loan type matter as much as the borrower. Selling first or buying first changes how the loan is built, and bridging finance covers the gap. On a larger holding the lender you choose, and how it treats land size and any dwellings, decides what is possible.
Investment property loans in Orchard Hills
A transitioning suburb, rural at its core with growth pressure at the edges, reshaped by the new metro station and the nearby airport. Lenders look closely at the land, the zoning and the use on a rural block, while newer edge housing is judged more conventionally. We match a purchase to a lender comfortable with it and structure the finance around the plan.
Refinancing an Orchard Hills home loan
This is where most people find a quick win. As the metro station and the airport reshape the area and your holding grows in value, the equity in your place may be 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 works, a shed or second dwelling, or release equity for the next step.

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 home in or near Orchard Hills with less than a 20% deposit. Newer house and land at the edges can suit the scheme, while the established acreage sits over the cap, so we can work through which route fits before you start looking.

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About Orchard Hills

What the 2748 market actually looks like

History of Orchard Hills
Named for the orchards on its undulating hills and settled on that name at a public meeting in 1910, Orchard Hills sits south east of the Penrith centre. Long served by road via the M4 and The Northern Road, it now has a new station on the Sydney Metro line to the Western Sydney Airport, a major change for the area, and a large Defence establishment occupies much of the suburb.
Orchard Hills property market
Predominantly semi rural, undulating farmland, orchards and rural residential lots, with newer housing emerging around the edges as the airport and metro reshape the area. A transitioning suburb, rural at its core with growth pressure at the fringes, where land is the durable story.
How we help in Orchard Hills
Two markets, and both are specialist in their way. On established acreage we match the purchase to a lender comfortable with land size, zoning and dwellings, and release equity on a refinance where a holding has grown; on newer edge housing we run it more conventionally. We compare 35+ lenders at no cost to you and structure the finance around the property.
Borrowing in Orchard Hills
Two conversations. Established acreage generally sits over the 5% Deposit Scheme cap and is judged on land size, zoning and use, so the lender you choose matters, while newer standard house and land at the edges is more likely to fall under the cap and run conventionally. Send us the address, the block size and the zoning before you offer and we will tell you what is possible.

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

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 Orchard Hills, 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 Orchard Hills

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

The acreage, matched to the right lender.

A family wanted an Orchard Hills rural residential block, but their first lender would not lend against the land size. We knew which lenders are comfortable with acreage, zoning and outbuildings, placed the loan with one of them, and the purchase went ahead. On a rural block, the lender you choose decides what is possible.

The refinance as the area changed.

A couple who had held their Orchard Hills property for years wanted to release equity as the metro and the airport reshaped the area around them. We refinanced to a sharper rate and released the usable equity they had built, set it up in the one application, and kept the securities clean. The value had moved well past what they had last checked.

Edge housing, financed conventionally.

A buyer wanted one of the newer standard homes at the developing edge of Orchard Hills, closer to the metro. It ran more like a conventional purchase than an acreage one, so we got them pre-approved, checked the property, and lined up a lender comfortable with new stock in a transitioning area. The right lender made the numbers straightforward.

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 Orchard Hills 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 Orchard Hills 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

Orchard Hills 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.

Can I buy a first home in or near Orchard Hills?
It depends on the property. The established acreage in Orchard Hills generally sits over the 5% Deposit Scheme cap, so it is not a standard first home market, though newer standard house and land at the developing edges is more likely to fall under it and suit the scheme. For a first home on a 5% deposit we point you to where the scheme works, here or nearby, and get you pre-approved. We compare 35+ lenders at $0 cost to you.
Can I get a loan on an acreage or rural block in Orchard Hills?
Yes, but the lender matters more than usual. On acreage and rural residential blocks, lenders look closely at the land size, the zoning and any sheds or dwellings, and some cap how much land they will lend against or how much of the value they will count. A few are far more comfortable with rural property than others. We know which ones suit Orchard Hills holdings and match the property to a lender that will lend well against it.
Can I buy my next home in Orchard Hills 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. On a larger or acreage holding the lender and the land size matter, so we price both the bridge and the end loan. Buying first suits a tightly held area. It is worth pricing both.
Can I refinance my Orchard Hills property and release equity?
Often, yes. A refinance is the natural moment to move to a lower rate and release some of the equity you have built, in the one application. Usable equity is roughly 80% of what your place is worth today, less what you still owe. On acreage the valuation can vary more between lenders, so the sharpest rate is not always the highest valuation, and the lender needs to be comfortable with the land. We weigh both together rather than chasing the rate alone.
Can I refinance to consolidate debts or fund works on an Orchard Hills property?
Yes. A refinance can release equity to fund a renovation, a shed or a second dwelling, or roll other debts into the home loan to bring the total monthly cost down, since the home loan rate is usually far lower. 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.
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 Orchard Hills or beyond, distance changes nothing about how we work.
Can refinancing actually lower my repayments in Orchard Hills?
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 Orchard Hills 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

Orchard Hills sits south east of the Penrith centre in Penrith, with a new metro station and the airport reshaping its edges, and it does not sit on its own. The Penrith centre and Kingswood sit to the north, with Glenmore Park, Mulgoa and Badgerys Creek toward the valley and the airport. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.