Ryde mortgage broker
Ryde mortgage broker
A mortgage broker
who knows Ryde.
Buying your first home, next home, investment or 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 Ryde locals call a mortgage broker
This is our own postcode, so we see all four every week. Each one runs differently here, because the house market and the unit market barely resemble each other.
First home loans in Ryde
Ryde is one of the few places this close to the city where a first home is still reachable. Units sit comfortably under the NSW property price cap on the Australian Government 5% Deposit Scheme, so the scheme is genuinely usable here rather than theoretical. A family guarantor loan works as well. Some jobs skip lenders mortgage insurance entirely, and with Macquarie Park on the doorstep plenty of local buyers are on those lists.
Buying your next home in Ryde
The step from a Ryde unit to a Ryde house is roughly three and a half times the price, so equity in the unit will not close it alone. What often works better is keeping the unit, renting it out and borrowing against it for the deposit. Selling first or buying first changes how the whole loan is built, and bridging finance covers the gap when the timing does not line up. Both routes are worth pricing before you settle on one.
Investment property loans in Ryde
Lenders count expected rent towards what you can afford, so the yield decides a lot. Ryde houses return close to 2%, which leaves your income carrying most of the assessment. Units return more than double that, which is why so many local investors buy at the unit end. Keeping the new borrowing separate from your home loan keeps the picture clean, and that part touches tax, so it is worth running past your accountant early.
Refinancing a Ryde home loan
Values here have moved a long way, so the equity in your place is probably not what it was when you last looked. That figure can fund a renovation, a deposit on the next home, or the release of a parent's home still tied to your loan as security. A refinance is also the point where the rate, the structure and the years left on the loan all get looked at again together. Rates move, and so does what your place is worth.
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?
A Ryde unit is one of the few entry points left this close to the city, and there are several ways in with a smaller deposit. We can work through which ones are open to you before you start looking.
About Ryde
The 2112 market, as a Ryde mortgage broker sees it
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. Our office is on Blaxland Road, a few minutes from the station.
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 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%. Roughly 273 houses changed hands last year against about 572 units, so units are two thirds of what trades here, and they sell around 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. That one check saves a lot of wasted time.
Whether it is a house or a unit, we know which lenders are comfortable with each, here and right across the North Shore.
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.
Your broker
Meet Ali Hasani, your Ryde mortgage broker
Ali Hasani is the founder of Buyvest and a mortgage broker based in Ryde. 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.
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, and you only see it if someone checks more than one.
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 in Ryde 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.
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.
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."
★★★★★
"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."
★★★★★
"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."
FAQ
Questions people ask a Ryde mortgage broker
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 get a home loan in Ryde?
The order is the same as anywhere. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved so you know your number before you bid. What changes here is the property. A Ryde house sits at a loan size where lenders start applying their own limits. A Ryde unit is judged on the building, with density limits near Macquarie Park and minimum floor sizes. So the lender that works for one is often not the lender that works for the other. We compare 35+ lenders at $0 cost to you.
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.
Does it matter that your mortgage broker is based in Ryde?
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 a street is genuinely worth rather than what a listing says. Our office is on Blaxland Road, and meeting is by phone, video, or we come to you, whichever suits.
How much deposit do I need for a first home 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, and that is what makes Ryde workable for a first home. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and Ryde units sit well under it. A family guarantor loan cuts the deposit a different way, and some professions skip the insurance entirely. What changes the answer most is the property, because a lender cap on a building can mean you need 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%. We check all three across our panel before you commit to paying it.
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, and we can do that in an afternoon.
Can I buy the next home before the Ryde 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 does not come up often. Selling first means you know your number before you bid. Which way round people choose comes down to their own position rather than a rule, so it is worth pricing both.
Does a Ryde investment property stack up on the rent?
That depends what you buy, and the gap here is unusually wide. 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 is why a lot of local investors buy units rather than houses. On a house 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 a house a bad buy. It means the loan has to be built around your income rather than the rent.
Should an investment loan be interest only or principal and interest?
Both get used. Interest only keeps the repayment lower for a set period because you are not paying down the balance, then the loan switches to principal and interest and the repayment steps up. Principal and interest costs more each month and reduces what you owe from the start. Lenders also assess interest only loans more tightly, which can change what you are able to borrow. There are tax effects either way, and that part is a conversation for your accountant.
When is it worth refinancing a Ryde home loan?
A few triggers come up here. Values have moved a long way, so the equity in your place may be well past what you think, and that can fund a renovation or a deposit on the next one. A fixed period ending is another. So is a guarantee over a parent's home still sitting there years after it was needed. Sometimes it is simply the rate. We compare what you have now against 35+ lenders and show you both answers, including the one where staying put comes out ahead.
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 is what 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.
Fixed, variable or split, and do I need an offset?
Fixed locks the rate for a set term, which makes the repayment predictable but limits extra repayments and can bring break costs if you exit early. Variable moves with the market and is more flexible. A split loan puts part in each. An offset is a savings account linked to the loan, and the balance sitting in it reduces the interest you are charged while the money stays yours. Redraw does something similar, except the money sits inside the loan and is harder to get back out. Which mix people land on comes down to how they use their money day to day, and we walk through the differences before anything is locked in.
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.
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.
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.
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.
I live in Ryde but I am buying somewhere else. Can you still help?
Yes, and it happens a lot here. Plenty of people rent or own in Ryde and buy their house in a cheaper pocket, further west, or well outside Sydney. We cover all of Sydney, so the suburb you are buying in changes nothing about how we work. Phone, Zoom and Teams, or we come to you, evenings and weekends included.
Your Ryde mortgage broker
Your home loan.
Made simple.
Free check. No pressure. 35+ lenders compared at $0 cost to you.
Ryde does not sit on its own, and this is the patch we know best. 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.