Ryde mortgage broker

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Ryde mortgage broker

A mortgage broker
who knows Ryde.

Two markets in one postcode, and lenders treat a $2.5 million house nothing like a $735,000 unit. We compare 35+ lenders and it costs you nothing.

35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
About Ryde

What the 2112 market actually looks like

History of Ryde
Land here was handed to marines in 1792, so the district took the name of the Roman god of war, and the Field of Mars reserve still carries it. That makes Ryde the third oldest settlement in the country after Sydney and Parramatta. The name we use now came later, from a storekeeper who named his shop after Ryde on the Isle of Wight.
Ryde is home turf
We bank here, shop here and know the area well. From the local streets and property market to the details that can make a difference to a loan application, we understand what makes Ryde different. Much of what we know about Sydney lending started in this postcode.
Ryde property prices
Houses sit near $2.55 million on a yield around 2%. Units sit near $735,000 on a yield closer to 4.8%. In a typical year roughly twice as many units change hands as houses, and units sell a fortnight quicker. Published house medians vary by a couple of hundred thousand between sources, so treat any single figure as a guide rather than a price.
Borrowing in Ryde
Two completely different loans. A Ryde house usually sits past the size where lenders start applying their own caps and extra checks. A Ryde unit is decided by the building, with high density limits near Macquarie Park and minimum floor sizes catching smaller places. Send us the address before you offer and we will tell you which lenders are comfortable with it.

Ryde sits in our North Shore area. Nearby we also cover Gladesville, Epping, Hunters Hill and Chatswood.

Buying a house
at these numbers?

Send us the address before you bid and we will email you a free RP Data property report. We can also talk through how lenders on our panel tend to look at loans of that size.

0426 002 202 Let's meet
Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker 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.

Been told what you
can borrow, once?

That is one lender's answer, not the answer. On a loan this size the gap between what two lenders will offer can be very large.

0426 002 202 Let's meet
Client stories

How we helped in Ryde

Three real situations, all of them about the size of the loan rather than the size of the deposit.

Two lenders, two answers.

He wanted to stay put and buy again. His own bank would lend him $500,000 and the purchase needed around $650,000. Same person, same income, same debts. We moved the existing loan to a lender with a sharper rate and released the equity, then placed the purchase with a second lender who read his income more generously. At these price points that spread between lenders is the whole deal.

They kept the unit as well.

A family assumed the apartment had to be sold to fund the house. Once we went through the numbers it did not. We restructured the lending, used the equity already sitting in the unit as the deposit, and set up a loan that let them keep the first place and rent it out. Given how far apart units and houses sit here, holding onto the cheaper end of the market was worth more than the cash from selling it.

Holding three, saving cash.

An investor with three properties was putting thousands of their own money in every month just to hold them. Around here that is common, because houses return close to 2% while the repayments do not care. Selling one was the obvious answer and it was not the only one. We refinanced across more than one lender, reworked how the loans were set up and got sharper pricing, and the monthly cost came down considerably.

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 Ryde 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 for every Ryde plan

First home
Learn more
Next home
Learn more
Refinancing
Learn more
Construction loans
Learn more
Guarantor loans
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 Macquarie Park is on the doorstep. 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

Ryde questions, answered

Why use a mortgage broker in Ryde?
Ryde is two markets in one postcode. Houses sit at a price where lenders start applying their own limits, and units sit where the building decides it rather than you. A bank has one answer to both, and you find out what it is after you have applied. A broker checks several first. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
You are based in Ryde. Does that actually matter?
For most of the process, no. Lending is the same wherever the broker sits, and we work right across Sydney. Where it does matter is knowing the place. We know which pockets value differently, which buildings lenders are cautious about, and what the street is genuinely worth rather than what a listing says. Meeting is by phone, video, or we come to you, whichever suits.
Can I upgrade from a Ryde unit to a Ryde house?
It is a bigger jump than most people expect, because houses sit at roughly three and a half times what units do. Equity in the unit will not close that on its own, and the borrowing capacity needed is a different order entirely. Plenty of people who start in a Ryde unit end up buying their house in a cheaper pocket or further out. Worth working out the real number before you plan around it.
Are large loans assessed differently?
Not harder, but they are looked at more closely. Past certain loan sizes some lenders add extra checks, want more documentation, cap how much of the value they will lend, or apply their own internal limits. Others barely change their process. At Ryde house prices most buyers are in that territory, so knowing which lenders are comfortable at what size saves weeks and sometimes saves the purchase.
Do lenders treat Ryde apartments differently?
Some do. Larger blocks, particularly around Macquarie Park and the station, can count as high density with certain lenders, which caps how much they will lend on a unit there. Studios and small one bedders can fall under a lender's minimum floor size. Older walk ups raise questions about the building rather than about you. The same apartment can be approved by one lender and declined by another.
The yield on houses here is low. Does that affect my loan?
If you are buying to invest, yes. Lenders count expected rent towards what you can afford, so a house returning around 2% contributes far less than a unit returning close to 5%. That means your own income carries more of the assessment, and two lenders can land a long way apart on the same purchase. It does not make it a bad buy. It means the loan has to be built around your income rather than the rent.
What happens if the valuation comes in under the price?
You usually find out after you are committed, because a lender will not order a valuation on a purchase until there is an exchanged contract. So the buffer has to exist before you sign, and at auction there is no cooling off to fall back on. If it lands short, a different lender uses a different valuation panel and can come back with a different number on the same property. You can also put recent comparable sales in front of them. Failing that, the gap is covered in cash at settlement.
How much deposit do I need in Ryde?
A 20% deposit avoids lenders mortgage insurance, and at local house prices that is a very large number. Units are far more reachable. Some professions can skip the insurance entirely, and a family guarantor loan can cut the deposit further again. What changes the answer most is the property itself, because a lender cap on a building or on the loan size can mean you need considerably more than you planned.
Can I get a Ryde home loan with no LMI?
You may be able to, and there are three separate routes to it. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. Some lenders drop it completely for certain jobs, and with Macquarie Park and Macquarie University Hospital on the doorstep plenty of local buyers are on those lists. A family guarantor loan removes it another way, using part of a parent's equity rather than their cash. And for an eligible first home buyer the Australian Government 5% Deposit Scheme removes it entirely, with Housing Australia guaranteeing the gap between your deposit and 20%. Units here sit at a price where that scheme is genuinely usable. We check all three across our panel before you commit to paying it.
Can I get a home loan if I am self employed?
Yes. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. The bigger issue is what gets added back. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. At Ryde loan sizes that difference is worth a great deal, so which lender sees your file matters more than it does for a salaried buyer.
How much equity can I use?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. Go past 80% and lenders mortgage insurance usually comes back into it. That figure funds a renovation, a deposit on the next home, or an investment purchase. Because it moves with your valuation, and valuations differ between lenders, it is worth checking properly rather than guessing off a listing website.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans, its own valuation panel and its own rules. At these loan sizes a single lender's internal limit can be the whole difference between yes and no, and you usually find out after you have applied and paid for a valuation. A broker checks it against many lenders first. Buyvest compares 35+ lenders at $0 cost to you.

Your Ryde 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

Ryde does not sit on its own, and our office on Blaxland Rd puts us in the middle of it. Gladesville and Hunters Hill sit down towards the river, Epping is up the other way. Head east and the road runs through Lane Cove to Artarmon, St Leonards and Wollstonecraft, where the towers start. Chatswood is the other big centre, and past it the line climbs through Roseville, Lindfield, Killara and Gordon, where the blocks get bigger and so do the loans. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.