Rooty Hill mortgage broker

Rooty Hill mortgage broker

A mortgage broker
who knows Rooty Hill.

Home loans in Rooty 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 Rooty Hill

Each one runs a little differently here, because Rooty Hill is one of the more affordable house suburbs in the far west, where a first home buyer can buy a whole house with room to spare on the cap.

First home loans in Rooty Hill
This is about as reachable as a Sydney house gets. Houses here are affordable enough that most sit a long way 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 room to move. Which route fits your deposit is exactly what we work out.
Buying your next home in Rooty Hill
This is family upgrader country, on decent blocks, so the move is often a villa or a smaller house to a bigger home with room to grow. 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 Rooty Hill
An affordable market with the university campuses and the entertainment precinct supporting rental demand. 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 Rooty 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 Rooty Hill home with less than a 20% deposit, and because houses here sit a long way 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 Rooty Hill

What the 2766 market actually looks like

History of Rooty Hill
Its name traced to a colonial government stock farm, it sits about forty two kilometres west of the city and fifteen from Parramatta, on the T1 line. It is near the Western Sydney University campuses and a major entertainment precinct, with the RSL, the Coliseum theatre and the motorsport park nearby. A diverse, family suburb on mostly detached blocks.
Rooty Hill property market
A house suburb, on decent blocks, with a smaller run of villas, townhouses and units. Houses hold the value and most of the sales, and the suburb remains one of the more affordable ways into a Sydney house.
How we help in Rooty Hill
This is a refinance and equity suburb as much as a first home one. As values grow, we compare your current loan against 35+ lenders, show you whether the repayment comes down and where the saving is, and release usable equity for a renovation, a granny flat, or the deposit on the next one. We do it at no cost to you and stay with it through settlement.
Borrowing in Rooty Hill
Mostly good news for a first home buyer. Houses here mostly sit well 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 villas and units are judged on the complex. 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 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 Rooty 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 Rooty Hill

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

A house, and change to spare.

They had a modest deposit and assumed it meant a unit and a long wait for a house. In Rooty Hill it meant a house now, with room under the cap. The home they liked sat well 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 refinance that funded the reno.

They had owned their Rooty Hill home for years and wanted to renovate rather than move. We refinanced to a sharper rate and released the equity they had built, setting up the funds for the work in the one application. The new rate brought the repayment down on the balance, and the equity covered the renovation without a separate, dearer loan.

The granny flat for the students.

They had a decent Rooty Hill block near the university and built a granny flat, part for family and part rented. 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 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 Rooty 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 Rooty 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

Rooty 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 Rooty Hill?
Rooty Hill is one of the more affordable places in Sydney for a first home buyer, because houses here mostly sit well 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. A 5% deposit with no lenders mortgage insurance is genuinely on the table. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Rooty 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. Rooty Hill is a common upgrade suburb for growing families, 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 Rooty 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 Rooty 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. Rooty Hill is affordable with the university nearby supporting the rent, 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 Rooty Hill or beyond, distance changes nothing about how we work.
Can refinancing actually lower my repayments in Rooty Hill?
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 Rooty 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

Rooty Hill sits on the western line in Western Sydney, and it does not sit on its own. Mount Druitt is the next stop out and Blacktown the major centre toward the city, on the line that runs in through Toongabbie toward Parramatta. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.