San Souci mortgage broker

Sans Souci mortgage broker

A mortgage broker
who knows Sans Souci.

Home loans in Sans Souci 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 Sans Souci

Each one runs a little differently here, because Sans Souci is a waterfront suburb at the tip of the peninsula, prestige homes along the bay and a smaller run of units set back from it.

First home loans in Sans Souci
Units are the way in, because the waterfront houses sit a long way past what most first home buyers can reach. The Australian Government 5% Deposit Scheme is set at a $1.5 million cap across Sydney, and Sans Souci units sit under it while the houses sit well over. A 5% deposit with no lenders mortgage insurance is realistic on a unit, and a family guarantor loan or a professional waiver are the other ways in.
Buying your next home in Sans Souci
This is upgrader and downsizer country, and the waterfront homes are tightly held, so a clear number and a fast pre-approval matter when one comes up. The step up to the water is a large one, so equity alone rarely closes it. Selling first or buying first changes the loan, and bridging finance covers the gap when the right home appears before yours has sold.
Investment property loans in Sans Souci
A lifestyle rental market along the bay, close to Cook Park, the baths and the sailing club. Lenders count expected rent towards what you can afford, and units here return more than the houses, which sit on a yield close to 2.2%. Waterfront and canal frontages bring their own building and insurance questions, so it is worth checking how a lender sees the specific address early.
Refinancing a Sans Souci home loan
This is where most people find a quick win. Waterfront values have moved a long way, 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, 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 Sans Souci apartment with less than a 20% deposit, and which ones are open to you depend on the building as much as on your income. We can work through it before you start looking.

0426 002 202 Let's meet
About Sans Souci

What the 2219 market actually looks like

History of Sans Souci
The name is French for without a care, a fitting one for a peninsula pointing out into Botany Bay at the mouth of the Georges River. Cook Park, the Sans Souci baths, the sailing club and the marinas line the foreshore, about sixteen kilometres south of the city and minutes from the airport. There is no station, so the Rocky Point Road buses and nearby Rockdale and Kogarah carry the trips.
Sans Souci property market
A house suburb with a waterfront premium. Prestige homes along the bay trade rarely and for a great deal, while family houses and a smaller run of low rise units fill the streets behind. Houses and units trade in fairly even numbers, but the value and the character of the place sit with the waterfront homes.
Sans Souci property prices
Houses sit in a wide band around $2.6 million, more again on the water, on a low gross yield near 2.2%. Units sit closer to $1.1 million on a stronger yield near 3.7%. Prices here move with the waterfront, so a headline median hides a big gap between a home on the bay and one a few streets back.
Borrowing in Sans Souci
Two very different conversations. A waterfront home is a prestige purchase with few comparable sales, which some lenders value cautiously and which can take longer to sell, and a canal or foreshore frontage adds questions about flood and insurance. A unit set back from the water is judged on the building and the strata. Send us the address before you offer and we will tell you which one you are in.

Whether it is a house or a unit, we know which lenders are comfortable with each, here and across the St George area.

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 Sans Souci, 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 Sans Souci

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

The waterfront valuation, done twice.

They wanted to release equity from a Sans Souci waterfront home for a renovation, and their own lender's valuer came back cautious, with few recent sales on the bay to point to. We took it to a lender whose panel valuer knew the strip and put comparable waterfront sales in front of them. The second valuation reflected what the home was actually worth, which released enough for the works with room to spare.

Buying the waterfront before selling.

They had found the home on the bay they had waited years for, and it came up before theirs had sold. We worked out their borrowing assuming the current home was still unsold, arranged a short bridging period secured over both, and timed the settlements close together. They secured the waterfront without a fire sale of the home they were leaving.

A unit on the water, on a first home deposit.

A first home buyer assumed anything near the bay was out of reach. It was, for the houses, but a low rise unit a street back sat under the government scheme cap. We checked their eligibility, and they bought with a small deposit and no lenders mortgage insurance, a foot in a suburb they thought they could not afford yet.

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 Sans Souci 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 Sans Souci for every plan

First home
Learn more
Next home
Learn more
Investment property
Learn more
Refinancing
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Construction loans
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Bridging loans
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Guarantor loans
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No LMI and waived LMI
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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 St George Hospital in Kogarah is a short drive 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

Sans Souci 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 Sans Souci?
Units are the usual way in, because the waterfront houses sit a long way past the first home scheme cap while the units sit under it. 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. The Australian Government 5% Deposit Scheme is $1.5 million across Sydney, and Sans Souci units sit under it, so a 5% deposit with no lenders mortgage insurance is realistic. A family guarantor loan is another route. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in Sans Souci 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. Waterfront homes here are tightly held and come up rarely, which makes buying first tempting; 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 Sans Souci 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 reviewed in years, or a guarantee over a parent's home still sitting there. Waterfront values have moved, 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. If a switch does not save you anything, we will tell you.
Can I refinance to a sharper rate and unlock equity at the same time?
Often, yes, and on a waterfront home the equity can be substantial. 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. The catch is the valuation, which differs between lenders and can be cautious on prestige waterfront property with few comparables, 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 Sans Souci 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. Units set back from the water rent well given the lifestyle. A canal or foreshore frontage can raise building and insurance questions, and how the borrowing is split affects tax, so run those parts past the right advisers before anything goes ahead.
Do you offer digital appointments and evening or weekend meetings?
Yes, and with no station nearby a lot of clients prefer them. 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 Sans Souci 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.
Can I refinance to fund a renovation or a deposit on the next place?
Yes, and it is one of the main reasons people refinance here. The equity you have built, roughly 80% of the current value less what you owe, can be released to fund a renovation on a bayside home or to serve as the deposit and costs on the next purchase. Because the valuation drives how much comes out, and waterfront valuations vary between lenders, it is worth checking properly rather than guessing off a listing website. We line up the rate and the equity release in the one move.

Your Sans Souci 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

Sans Souci sits at the tip of the peninsula on Botany Bay, and it does not sit on its own. The foreshore runs up through Ramsgate to Monterey and Brighton-le-Sands, and just inland the interchange at Rockdale and Kogarah with its hospital carry the trains. Beyond them the St George hub at Hurstville, Bexley, Mortdale, Oatley and Penshurst sit up the line, with Arncliffe and Wolli Creek nearer the airport. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.