Pendle Hill mortgage broker

Pendle Hill mortgage broker

A mortgage broker
who knows Pendle Hill.

Home loans in Pendle Hill 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 Pendle Hill

Each one runs a little differently here, because Pendle Hill is an affordable house suburb on the line west of Parramatta, where a first home buyer can still buy a whole house, and the units are cheaper again.

First home loans in Pendle Hill
Here is the good news. Houses in Pendle Hill are affordable enough that most sit under the 5% Deposit Scheme cap, so a first home buyer can realistically buy a whole house on a 5% deposit with no lenders mortgage insurance, with units near the station cheaper again. Which route fits your deposit is exactly what we work out.
Buying your next home in Pendle Hill
This is family upgrader country, on established blocks, so the move is often a unit or a smaller house to a bigger family 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, and suits the many multigenerational households here.
Investment property loans in Pendle Hill
An affordable market with cheap units near the station and houses more affordable than most of Sydney. Lenders count expected rent towards what you can afford, so the numbers often work. On a house a granny flat or second dwelling can add rent that some lenders count and others will not, and that difference can decide the purchase.
Refinancing a Pendle Hill 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 it can fund a renovation, a granny flat, a duplex, 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 Pendle Hill home with less than a 20% deposit, and because houses here mostly sit under the 5% Deposit Scheme cap, a whole house on a 5% deposit is genuinely on the table. We can work through it before you start looking.

0426 002 202 Let's meet
About Pendle Hill

What the 2145 market actually looks like

History of Pendle Hill
Named after Pendle Hill in Lancashire, England, it sits about twenty six kilometres west of the city and seven west of Parramatta, on the T5 line next to Toongabbie. Its shopping village sits by the station, and it is a diverse suburb with a strong Indian and broader South Asian community, on mostly established house blocks.
Pendle Hill property market
A house suburb first, on established blocks, with a run of cheaper units near the station. Houses hold the value, and the affordable units near the line give first home buyers and investors a low cost way in.
How we help in Pendle Hill
Affordable does not mean automatic. We work out whether a house sits under the 5% Deposit Scheme cap, structure the borrowing for a multigenerational or combined income household, and set up bridging so an upgrader can buy before selling. We compare 35+ lenders at no cost to you and stay with it from pre-approval to settlement.
Borrowing in Pendle Hill
Mostly good news for a first home buyer, because houses here mostly sit under the 5% Deposit Scheme cap, so a house on a 5% deposit with no lenders mortgage insurance is realistic, not just a unit. Larger blocks bring granny flat and duplex potential, and the units near the station are judged on the building. 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 Pendle Hill, 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 Pendle Hill

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

A house under the cap, near the station.

They had been saving for a unit, sure a house was out of reach for a first home. In Pendle Hill it was not. The home they liked sat under the government scheme cap, so we checked their eligibility and they bought a whole house on a 5% deposit with no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The family that bought together.

A multigenerational family wanted to buy a larger Pendle Hill home together, with the parents and the adult children sharing the household. We set up the borrowing so the incomes were assessed together and structured it around who owned what, which lifted the borrowing enough to buy the home that suited them all. It kept the family on one title and turned a stretch into a plan that worked.

Kept the first home, bought the next.

An upgrading couple loved their Pendle Hill unit but had outgrown it. Rather than sell, we released equity from the unit for the deposit on a larger house nearby, set the two loans and securities up cleanly so each stood on its own, and rented the unit out on strong demand near the line. They ended up with the family home and an investment, in the one move.

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 Pendle Hill 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 Pendle Hill 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

Pendle Hill 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 Pendle Hill?
Pendle Hill is one of the better places near Parramatta for a first home buyer, because houses here mostly sit under the 5% Deposit Scheme cap, so a whole house, not just a unit, is realistic. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. The units near the station are cheaper again, so a 5% deposit with no lenders mortgage insurance is on the table either way. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Pendle Hill 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. Pendle Hill is a common upgrade suburb, so this comes up a lot. Buying first suits a thin 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 Pendle Hill 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. 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. 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. 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 Pendle Hill 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. Pendle Hill's cheap units near the station rent well, so lenders count that expected rent, and on a house a granny flat can add rent too, 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 Pendle Hill or beyond, distance changes nothing about how we work.
Should I buy my next home in Pendle Hill before I sell, or sell first?
Both work, and the right order depends on your position. Buying first, usually with bridging finance, means you secure the home you want in a tight market and move once, but you carry both for a short while. Selling first means you know exactly what you have to spend and carry no overlap, though you may need somewhere to live in between. We price both paths for you, bridging included, so you choose with the numbers in front of you rather than guessing.
Can I keep my current home as an investment when I buy the next one?
Often, yes, and it is a common way to end up with a second property. Instead of selling, you release equity from your current home for the deposit on the next one and rent the first out, with the two loans and securities set up cleanly so each stands on its own. Whether it works comes down to your borrowing capacity with the existing loan still in place and how the rent is counted. We model it both ways, keeping it and selling it, and because keeping it has tax effects, that part is worth a word with your accountant.
Can I take my existing loan with me when I move, or should I refinance?
Some loans can be ported, meaning the same loan moves to the new property, which can save on a few costs, but it is not always the sharpest option once you look at the whole market. Moving up usually means borrowing more, so it is a good moment to compare your current lender against the rest rather than assume porting is best. We weigh what porting would cost against a fresh loan, factor in any break costs, and show you which comes out ahead for the move you are making.

Your Pendle Hill 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

Pendle Hill sits on the line west of Parramatta in Western Sydney, and it does not sit on its own. Toongabbie is next door and Wentworthville one stop toward Parramatta, with Greystanes nearby and the Parramatta CBD and the Westmead health precinct a short run east. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.