Riverwood mortgage broker

Riverwood mortgage broker

A mortgage broker
who knows Riverwood.

Home loans in Riverwood 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 Riverwood

Each one runs a little differently here, because Riverwood is a mixed market on the airport line, established houses on larger blocks and a fast growing run of new apartments from the estate renewal.

First home loans in Riverwood
Units are a strong way in here, and there are more of them every year as the estate renewal delivers new blocks. The Australian Government 5% Deposit Scheme is set at a $1.5 million cap across Sydney, and Riverwood units sit well under it, so a 5% deposit with no lenders mortgage insurance is realistic. Much of the stock is new or off the plan, where the valuation lands at completion, so timing matters, and a smaller house sits around the cap too.
Buying your next home in Riverwood
The step from a Riverwood unit to a house is a real one, though the house median here sits near the first home scheme cap rather than far above it. Some upgrade to a house on a larger block nearby. Others keep the unit, rent it out and buy the house. Selling first or buying first changes the loan, and a larger block brings granny flat, duplex or knock down rebuild potential.
Investment property loans in Riverwood
Units here carry some of the stronger yields around, close to 5%, helped by the direct airport line and the new stock from the renewal. Lenders count that expected rent towards what you can afford. On a new or off the plan unit the building decides a lot, and the valuation at completion can differ from the price you agreed, so it pays to line the finance up early.
Refinancing a Riverwood home loan
This is where most people find a quick win. Values have moved as the suburb is renewed, so 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 a renovation, a granny flat, release a parent's home used as security, or free up a deposit for the next one.

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 Riverwood home with less than a 20% deposit, whether it is a new unit under the cap or a smaller house around it. We can work through which route fits, and the timing on a new build, before you start looking.

0426 002 202 Let's meet
About Riverwood

What the 2210 market actually looks like

History of Riverwood
About eighteen kilometres south west of the city on the T8 Airport and South line, a direct run to the city and the airport, near Salt Pan Creek. Riverwood Plaza and the Belmore Road shops form the local centre, and a large renewal of the old housing estate, including Washington Park, has been reshaping the suburb with thousands of new homes.
Riverwood property market
A genuinely mixed market. Established freestanding houses on larger blocks sit alongside a fast growing run of new apartments from the estate renewal, so both houses and units trade in numbers, and new stock keeps arriving year on year.
Riverwood property prices
Houses sit near $1.5 to $1.6 million on a gross yield around 2.9%, so most sit near or over the first home scheme cap. Units sit near $650,000 to $660,000 on a much stronger yield near 5%, comfortably under the cap, and many are new or near new.
Borrowing in Riverwood
Two conversations, and the building matters on the unit side. A lot of the unit stock is new or off the plan, where the valuation lands at completion rather than at exchange, the settlement can be a long way off, and pre-approval timing and sunset clauses matter. On a house you are near or over the first home scheme cap. 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 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 Riverwood, 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 Riverwood

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

The off the plan settlement, timed right.

They had bought a new Riverwood apartment off the plan, and settlement was more than a year away. We lined up the finance early, kept the pre-approval current as the build ran on, and when the valuation came in at completion we already knew which lender fitted it best. The settlement went through on time, with no scramble at the end.

A first home under the cap, near the line.

A first home buyer wanted to be near the airport line but assumed a purchase was years off. Their Riverwood unit sat a long way under the government scheme cap, so we checked their eligibility and they bought with a 5% deposit and no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The old block, the new plan.

They owned an older Riverwood house on a larger block and wanted to build a granny flat for family and rent. We released equity from the home for the build and set up a staged facility that drew down as the work was done, then, once it was tenanted, a portion of that rent counted towards servicing with the right lender. The old block did more than they thought.

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 Riverwood 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 Riverwood 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 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

Riverwood 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 Riverwood?
Units are a strong way in, and Riverwood has a fast growing run of new apartments from the estate renewal that sit well under the first home scheme cap, plus smaller houses around it. 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 Riverwood unit can often be bought on a 5% deposit with no lenders mortgage insurance. If it is new or off the plan, the timing and the valuation at completion matter, and we plan for that. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Riverwood 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. Buying first suits a market where the right house is rare; selling first means you know your number before you bid. Which way round suits you comes down to your own position, so it is worth pricing both.
When is it worth refinancing a Riverwood home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is an interest only period rolling over on an investment unit, a rate that has not been reviewed in years, or a guarantee over a parent's home still sitting there. Values have moved as the suburb is renewed, 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, and they pair up well. 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. That freed up amount can fund a renovation, a granny flat, a deposit on the next home or an investment. The catch is the valuation, which differs between lenders, and on a new unit it can be conservative, 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 in Riverwood 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. Riverwood units carry strong yields, near 5%, helped by the line and the new stock, so lenders count that expected rent towards what you can afford, though how much of it they count varies by lender. 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 Riverwood 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 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. Restructuring can also lift your borrowing capacity, which matters 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 in the end even at a lower rate, so we structure it to avoid that and show you the numbers first.
My interest only period is ending. Can refinancing help?
Yes, and this is one of the best moments to look. When an interest only period ends the repayment can jump sharply as the loan switches to principal and interest, and Riverwood has a lot of investment units where this bites. A refinance lets us shop the whole panel for a sharper rate before the change lands, and where it fits, restructure or stagger the loan so the step up does not hit all at once. It is worth starting a couple of months before the date rather than after.

Your Riverwood 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

Riverwood sits on the airport line in the Canterbury-Bankstown, and it does not sit on its own. Padstow and Revesby run down the line one way and Beverly Hills and Kingsgrove toward the city the other. Punchbowl, Roselands and Lakemba sit to the north, with the centre at Bankstown nearby. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.