Rozelle mortgage broker

Rozelle mortgage broker

A mortgage broker
who knows Rozelle.

Home loans in Rozelle 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 Rozelle

Each one runs differently here, because Rozelle is a Balmain peninsula village of terraces, close to the city, where full terraces sit alongside units and smaller homes.

First home loans in Rozelle
In Rozelle a first home is usually a unit or a smaller terrace, because the full peninsula terraces run well into the millions. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and some Rozelle units sit under it. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down close to the city.
Buying your next home in Rozelle
The step in Rozelle is often from a unit or small terrace up to a full peninsula terrace, and both trade in good numbers here. Some people upgrade within Rozelle as families grow. Others keep the first place, rent it out and buy the terrace nearby in Balmain, Lilyfield or Annandale. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the two settlements will not line up.
Investment property loans in Rozelle
Rozelle rents steadily thanks to the city on the doorstep and the Balmain peninsula lifestyle, with unit yields around 3% while houses return closer to 2.5%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work, while a terrace leans more on your income. Character terraces and converted flats can have title quirks that affect lending. Keeping the new loan separate from the home loan matters for tax, so it is worth a word with your accountant early.
Refinancing a Rozelle home loan
House values here have grown, so the equity in your place may be more than you last checked, and terrace renovations are common. That equity can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security on your loan. 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 you leave the loan where it is.

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 Rozelle unit or smaller terrace with less than a 20% deposit, and some suit this market better than others. We can walk you through them before you start inspecting.

0426 002 202 Let's meet
About Rozelle

What the 2039 market actually looks like

History of Rozelle
Rozelle sits on the Balmain peninsula, an old working harbourside area that has become one of the Inner West's most sought after village suburbs. It is known for its Victorian terraces, Darling Street shops and pubs, the weekend markets, and its closeness to the city across Rozelle Bay and the harbour.
Rozelle property market
Rozelle is a peninsula terrace market. Victorian terraces on tight streets trade steadily, alongside a pool of units and smaller homes that give first buyers and investors a way in. The village lifestyle, the closeness to the city and the harbourside setting keep demand firm across both ends.
Rozelle property prices
Houses sit around $2.3 million, with roughly 139 sold in a year, a liquid market for the area. Units are more reachable and trade steadily too. House yields sit around 2.5% and units a little higher, so the unit market is the more accessible and income friendly end here for first buyers and investors.
Borrowing in Rozelle
On a terrace you are often near the loan size where lenders start adding their own checks, and heritage terraces can have quirks, narrow frontages, shared walls, the odd company title conversion, that some lenders weigh differently. On a unit the building decides it. Send us the address before you offer.

Whether it is a terrace or a unit, we know which lenders are comfortable with each, here and across the Inner West.

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 Rozelle, 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 Rozelle

Three real situations, each one that moved from stuck to sorted with the right lender.

A terrace that needed the right lender.

They were buying a narrow Victorian terrace in Rozelle, and their own bank was cautious about the frontage and an old title quirk. Nothing was wrong with the buyers or the home. We took the file to a lender comfortable with heritage terraces of that kind, which valued it properly and funded it without fuss. The character that gave one bank pause was routine for another. On terraces, the right lender makes the difference.

One loan, two lenders, both approved.

An owner wanted to keep their Rozelle unit and buy a terrace nearby, and a single lender would not fund the whole picture. Same borrower, same income, same debts. We refinanced the unit to a lender with a sharper rate, released the equity that freed up, and placed the terrace loan with a second lender that read their income more generously. Splitting it across two lenders, rather than forcing everything through one, was what got both loans over the line.

Equity that funded the reno.

An owner wanted to renovate their Rozelle terrace and assumed they would need to save for years. On review, their home had grown in value and there was usable equity sitting in it. We refinanced to a sharper lender and structured the loan so the renovation was funded from that equity, with an offset to keep the interest down. The renovation they thought was years away started that year.

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 Rozelle 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 Rozelle 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

Rozelle 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. In Rozelle a first home is often a unit or a smaller terrace, because the full peninsula terraces run well into the millions. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and some Rozelle units sit under the scheme's property price cap. Which options apply depends on your income, your job and the property, and those rules change over time, so the best next step is a quick call where we go through your situation and tell you exactly where you stand today.
Can you help me buy my next home?
Yes. The classic Rozelle move is trading a unit or compact terrace for a full peninsula terrace, and because both change hands often, that jump is realistic rather than distant. You might step up within Rozelle, or keep the first place as a rental and finance the terrace over in Balmain or Lilyfield. The sequence drives the loan: sell first for a set budget, or buy first with bridging carrying you across. Call us and we will settle on the order and structure that fits you.
Can you help me refinance?
Yes. Rozelle has seen solid growth, so a loan you set up a few years ago may well have slipped behind sharper deals now available. A refinance is the point to look at everything together, the rate, the way the loan is structured, and how many years remain, not just the front number. Rates and lender policies change all the time, so instead of a figure that dates, book a call and we will measure your loan against 35+ lenders and tell you honestly whether moving pays.
Can you help me access equity or get a better rate?
Yes. Where your Rozelle home has gained value, the equity in it can usually be freed up for a renovation, another purchase or a reshaping of your lending, and the same look often turns up a keener rate too. Terrace renovations are a Rozelle staple, and equity is the usual way people fund them. What is usable rests on a fresh valuation and your position, so a short call is the surest way to establish exactly what you have to work with, rather than a portal guess.
Can you help me buy an investment property, using equity or cash?
Yes. Cash, equity in a property you already own, or a blend of the two can each fund an investment, and arranging it well matters for tidy finances and for the tax outcome later. Rozelle's apartments, backed by reliable demand a short hop from the city, make a genuine investment option, and your equity here can just as readily buy elsewhere. Bring your accountant in on the tax, and us in on the lending, so the structure is sound from the outset.
Do you offer digital appointments and virtual meetings?
Yes. Plenty of our Rozelle clients never need to leave the peninsula for any of it, handling the loan by phone, Zoom or Teams around their own schedule. The whole process runs remotely if that suits, from the opening chat to settlement, with paperwork signed securely online. Prefer to meet in person? We will come to you, evenings and weekends included. Get in touch and we will arrange it whichever way works for you.

Your Rozelle 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

Rozelle does not sit on its own. It sits on the Balmain peninsula beside Balmain and Lilyfield, with Annandale and Leichhardt just south and the city across the bay. Glebe sits beyond, and the Inner West runs on through Petersham and Stanmore. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.