Panania mortgage broker

Panania mortgage broker

A mortgage broker
who knows Panania.

Home loans in Panania 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 Panania

Each one runs a little differently here, because Panania is a quiet, leafy house suburb by the Georges River on the airport line, where families settle and a first home buyer can sometimes still reach a house.

First home loans in Panania
There is real good news here. The median house sits around the first home scheme cap, and a smaller home can fall under it, so a first home buyer can sometimes buy a whole house on a 5% deposit with no lenders mortgage insurance. The Australian Government 5% Deposit Scheme is set at a $1.5 million cap across Sydney. Larger and riverside homes sit over it, and units near the station sit comfortably under.
Buying your next home in Panania
This is family upgrader country, on leafy blocks near the river, so the move is often a unit or a smaller house to a bigger home with a backyard. 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 Panania
Houses here sit on a yield close to 2.7% while units return more, nearer 4.4%. Units near the station rent well, helped by the direct airport line, and on a house a granny flat or second dwelling can add rent that some lenders count towards what you can afford and others will not. That difference can decide whether the numbers work.
Refinancing a Panania home loan
This is where most people find a quick win. Panania values have moved up, 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 granny flat, 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 a Panania home with less than a 20% deposit, and because a smaller house here can sit around the first home scheme cap, a house on a 5% deposit is sometimes on the table. We can work through it before you start looking.

0426 002 202 Let's meet
About Panania

What the 2213 market actually looks like

History of Panania
Taking its name from an Aboriginal word, it sits about twenty five kilometres south west of the city on the T8 Airport and South line, a quiet leafy pocket between East Hills and Revesby by the Georges River, with reserves and parks along the water and a small shopping strip by the station.
Panania property market
A house suburb almost throughout, on leafy blocks, with only a small run of units near the station. Houses far outnumber units in sales, and the river reserves and the direct line make it a settling suburb for families rather than a fast moving one.
Panania property prices
Houses sit near $1.4 to $1.55 million on a gross yield around 2.7%, so smaller homes can fall around the first home scheme cap while larger and riverside ones sit over it. Units near the station sit near $650,000 to $750,000 on a stronger yield near 4.4%, comfortably under the cap.
Borrowing in Panania
Two conversations. On a smaller house you can be around the first home scheme cap, which opens the 5% scheme; on a larger or riverside home you are over it, and a guarantor or a waiver may be the way in. Units near the station are judged on the building, and leafy blocks bring granny flat and duplex potential. 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 Canterbury-Bankstown.

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 Panania, 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 Panania

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

A first home with a backyard.

They wanted a yard for the kids and assumed that meant a unit for now and a house much later. In Panania the smaller home they liked sat around the government scheme cap, so we checked their eligibility and they bought a whole house on a 5% deposit with no lenders mortgage insurance. The backyard came sooner than they had planned.

Two incomes, a bigger home.

A couple wanted to move up to a larger Panania home near the river, and their own bank read their combined income cautiously. We took the file to a lender who assessed it more fully, which lifted what they could borrow enough to buy. Same two payslips, a different lender reading them, and the home they wanted rather than the one they could just scrape.

The granny flat by the reserve.

They had a leafy Panania block backing onto a reserve and wanted a granny flat, both for family and for the rent. We released equity from the home for the build and set up a small staged facility, then, once it was tenanted, a portion of that rent counted towards servicing with the right lender. The second income changed how quickly the loan was tracking down.

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 Panania 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 Panania 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

Panania 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 Panania?
Panania is one of the places on the line where a first home buyer can sometimes buy a house rather than a unit, because a smaller home can sit around the first home scheme cap. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. The Australian Government 5% Deposit Scheme is $1.5 million across Sydney, so a smaller Panania house or a unit near the station can often be bought on a 5% deposit with no lenders mortgage insurance, while larger and riverside homes sit over the cap. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Panania 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. Panania is a common upgrade suburb for families, so this comes up a lot. Buying first suits a quiet market where the right home is rare; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a Panania 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 looked at in years, or a guarantee over a parent's home still sitting there long after it was needed. Panania values have moved up, so 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. 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 a Panania house that can be a useful number. The catch is the valuation, which differs between lenders, so the lender with the sharpest rate is not always the one that values your home highest. We weigh both together rather than chasing the rate alone.
Can I buy an investment property in Panania 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. Units near the station rent well on the airport line, and on a house a granny flat can add rent that lifts what you can borrow, though only some lenders count it. 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. 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 Panania 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 build a granny flat or a duplex?
Yes, and on Panania's leafy blocks this is a common reason to refinance. Releasing equity from the home can fund a granny flat or the early costs of a duplex build, often more cheaply than a separate loan, and a construction or staged facility suits a bigger project, drawing down as the work is done. Where the second dwelling is rented, some lenders will count part of that income too. We look at the equity you have, the likely finished value, and structure it so the loan and the works sit in one place.
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. Panania values have moved, so it is worth checking where an old guarantee stands.

Your Panania 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

Panania sits on the airport line by the Georges River in the Canterbury-Bankstown, and it does not sit on its own. East Hills is one stop one way and Revesby and Padstow the other, with the centre at Bankstown up the line. Condell Park, Bass Hill and Riverwood sit nearby. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.