Palm Beach mortgage broker

Palm Beach mortgage broker

A mortgage broker
who knows Palm Beach.

Home loans in Palm Beach 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 Palm Beach

Each one runs differently here, because Palm Beach is a weekender and prestige market where many buyers already own a home elsewhere.

First home loans in Palm Beach
A Palm Beach house is far beyond a first home budget, and there are almost no apartments here, so first buyers rarely start in this suburb. When something does come up, the Australian Government 5% Deposit Scheme has a property price cap in NSW that Palm Beach sits well above. More often, first buyers we help buy nearby in Avalon, Newport or Mona Vale, where the numbers work, and we are happy to map that path with you.
Buying your next home in Palm Beach
Many Palm Beach purchases are second homes or weekenders, bought by people who already own a main residence, so the loan is built around two properties from the start. Others are downsizers or sea changers moving up the peninsula for good. Homes here can take months to sell, so the order of the two contracts matters, and bridging finance often covers a long gap. We work the borrowing around your whole position, not a single property.
Investment property loans in Palm Beach
Palm Beach is a scarcity and lifestyle market, not a yield play, with house yields under 2% and rent that runs seasonally around holiday demand. Lenders count expected rent towards what you can afford, and they count a standard tenancy rather than holiday letting, so on a low yield your own income carries almost all of the assessment. With few comparable sales, valuations also sit at the centre of everything. Structure and tax matter, so speak with your accountant early.
Refinancing a Palm Beach home loan
At Palm Beach loan sizes, even a small rate difference is worth a large sum every year, and many loans here, especially on second homes, have not been repriced in years. Equity can fund a renovation, a deposit on another purchase, or a restructure across the properties you hold. A refinance is also the one moment the rate, the structure and the years left on the loan all get looked at together, which almost never happens if the loan is left alone.

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 only a handful of ways into Palm Beach with less than a 20% deposit, and at these prices they rarely apply, but we can walk you through what is realistic before you start looking.

0426 002 202 Let's meet
About Palm Beach

What the 2108 market actually looks like

History of Palm Beach
Palm Beach sits at the very tip of the Northern Beaches peninsula, between the open ocean and Pittwater. Long a summer retreat for Sydney, it is known for the Barrenjoey Lighthouse, the golf course on the sand spit, and a long tradition as a weekender and holiday home destination.
Palm Beach property market
One of the most tightly held markets in Sydney. Ocean and Pittwater view homes dominate, apartments barely exist, and many owners use the property as a second home or weekender. Homes can sit for months, so buying and selling runs on a longer clock than most suburbs.
Palm Beach property prices
Houses sit broadly around $5 million, with only around 33 sold in a year and homes often taking over 150 days to sell. Units barely trade. Yields are low, under 2%, a lifestyle and scarcity market rather than an income one, and any single median is a rough guide here.
Borrowing in Palm Beach
Palm Beach houses sit past the point where mainstream lenders trim how much they fund, and often into private lending. Many purchases are second homes, which some lenders treat differently, and with few comparable sales the valuation is the biggest variable. Send us the address before you offer.

Whether it is a waterfront home or a weekender, we know which lenders are comfortable with each, here and across the Northern Beaches.

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 Palm Beach, 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 Palm Beach

Three real situations, each one about financing a home the market rarely puts a clean price on.

Two homes, one clear plan.

They already owned their main home and wanted a Palm Beach weekender, and their bank kept treating it as if the family home did not exist. We built the borrowing around both properties together, kept the two loans structured so the weekender did not put the main home at risk, and placed it with a lender comfortable lending on a second home this far up the peninsula. They bought the holiday house without touching the loan on the home they live in.

A price the first valuer could not find.

A Pittwater view home came with a first valuation well under the contract price, almost inevitable here because so few comparable homes sell. Rather than accept it and find a great deal more in cash, we ran the property through a lender whose panel valuer knew the peninsula and what these rare homes actually fetch. The second figure sat far closer to the price, and the purchase settled on the terms they had agreed. On property this scarce, the valuer makes the deal.

A long settlement, covered.

A couple found the Palm Beach home they wanted before their existing house had sold, and up here a sale can take many months rather than weeks. We worked out their borrowing as if the sale had not happened, arranged bridging finance secured over both properties, and gave them the room to sell the old home properly rather than dump it at the first offer. They moved once, sold in their own time, and the bridging closed the day that sale finally settled.

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 Palm Beach 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 Palm Beach 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.

0426 002 202 Let's meet
Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and Royal North Shore is a few minutes 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

Palm Beach questions, answered

First home, next home, refinancing, accessing equity, investing, and how our digital appointments work. The essentials, then a quick call to get the current detail.

Can you help me buy my first home?
Yes. A first home in Palm Beach itself is rare, because it is mostly large houses with almost no apartments, but plenty of first buyers we help land nearby on the peninsula where the numbers work better. There are first home buyer schemes, professional insurance waivers and guarantor options that can each cut the deposit you need, and which ones fit depends on your income, your job and the property. The rules and limits change from time to time, so the best next step is a quick call where we work through your situation and tell you exactly where you stand today.
Can you help me buy my next home?
Yes, and it is a lot of what we do up here. Many Palm Beach purchases are second homes or weekenders bought by people who already own a main residence, so the loan is built around more than one property from the start. Others are upgraders or sea changers moving for good. Whether you sell first or buy first changes how the loan is structured, and bridging finance often covers a long selling window on the peninsula. Give us a call and we will map the order that suits your situation and your timing.
Can you help me refinance?
Yes. At Palm Beach loan sizes even a small rate difference adds up quickly over a year, and many loans here, especially on second homes, have not been looked at since they settled. Refinancing is also the moment to review the whole loan, the rate, the structure and the years left on it, not just the number on the front. Rates and lender policies move constantly, so rather than quote something that dates fast, the best step is a call where we compare your current loan against 35+ lenders and show you whether a move is worth it.
Can you help me access equity or get a better rate?
Yes. If your Palm Beach home has grown in value, the equity you have built can often be put to work, for a renovation, another purchase or a restructure across the properties you hold, and a review frequently turns up a sharper rate at the same time. How much equity is usable depends on a current valuation and your position, and on prestige property valuations can vary between lenders. Because those figures move, the most useful thing is a quick call where we work out what is actually available to you right now.
Can you help me buy an investment property, using equity or cash?
Yes. You can fund an investment purchase from cash, from equity in a property you already own, or a mix of both, and the right structure matters for keeping things clean and for tax down the track. Palm Beach itself is a scarcity and lifestyle market rather than a high yield one, so many investors here buy elsewhere and use peninsula equity to do it. The tax side is worth a word with your accountant, and the lending side is worth a call with us so we can structure it properly from the start.
Do you offer digital appointments and virtual meetings?
Yes. We meet plenty of Palm Beach clients by phone, Zoom or Teams, which suits people who are time poor, working, or not always up at the house. If you would rather meet in person we come to you, including evenings and weekends. The whole loan process, from the first chat through to settlement, can run digitally with documents handled securely online, so distance up the peninsula is never a barrier. Get in touch and we will set up whichever way of meeting works best for you.

Your Palm Beach 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

Palm Beach does not sit on its own. It caps the peninsula above Pittwater, with Avalon Beach and Newport just south along the coast, and Mona Vale, Warriewood and Narrabeen further down towards the beaches at Collaroy. Buyers who look here also look across the peninsula and down to Manly. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.