Seaforth mortgage broker

Seaforth mortgage broker

A mortgage broker
who knows Seaforth.

Home loans in Seaforth 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 Seaforth

Each one runs differently here, because Seaforth is a tightly held family house market with harbour outlooks, near the Spit Bridge and with few apartments.

First home loans in Seaforth
Seaforth is mostly family houses with harbour outlooks and few apartments, so a first home here usually means a house, a bigger step than a unit. The Australian Government 5% Deposit Scheme has a property price cap in NSW that many Seaforth houses sit above, so a family guarantor loan is often the more useful route, letting you buy with a smaller deposit and skip lenders mortgage insurance. Some professions can waive the insurance too. We will map which options actually fit your situation.
Buying your next home in Seaforth
Many Seaforth moves are families upgrading to a larger home or one with a better harbour outlook. Homes here are tightly held, so the order of the two contracts matters when the right one comes up, and bridging finance often covers the gap. The loan is usually built around one sale and one purchase. We work the borrowing around your whole position, so a tightly held market does not cost you the home you want.
Investment property loans in Seaforth
Seaforth is a family lifestyle market rather than a high yield one, with house yields under 3% and limited rental stock. Lenders count expected rent towards what you can afford, but on lower yields your own income carries most of the assessment. Many owners here use their Seaforth equity to invest in higher yielding areas instead. Structure and tax matter, so it is worth a word with your accountant early on.
Refinancing a Seaforth home loan
At Seaforth prices, a small rate difference is worth real money each year, and many loans here have not been repriced since they settled. Equity can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security. 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 alone.

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 Seaforth house with less than a 20% deposit, and a guarantor loan is often the most useful when you are buying a house. We can walk you through the options before you start looking.

0426 002 202 Let's meet
About Seaforth

What the 2092 market actually looks like

History of Seaforth
Seaforth sits on the slopes above Middle Harbour, marketed in the early 1900s as a new waterside suburb reached by the Spit. It grew into a settled family area with leafy streets and harbour outlooks, bordered by Garigal National Park and Sugarloaf Bay, and connected to Mosman and the city over the Spit Bridge.
Seaforth property market
Seaforth is a tightly held family house market. Homes on comfortable blocks, many with harbour views, trade steadily and make up almost all sales, with very few apartments. The outlook, the schools and the Spit Bridge access keep families here for the long term, so the market stays firm and closely held.
Seaforth property prices
Houses sit around $3.6 million, with roughly 92 sold in a year, and the market is almost entirely houses, with only around 14 units traded in the same period. House yields are under 3%, so this is a family lifestyle and harbour outlook market rather than an income one, held firm by the views and the settled community.
Borrowing in Seaforth
On a house you are often past the loan size where lenders add their own checks, and harbour view homes can value in a wide range between lenders. Some blocks back onto bushland or the water and may need particular insurance or a careful valuation. Send us the address before you offer.

Whether it is a family house or a harbour view home, we know which lenders are comfortable with each, here and across the Northern Beaches.

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 Seaforth, 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 Seaforth

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

A harbour view, valued properly.

They were buying a Seaforth home with a Middle Harbour outlook, and the first lender's valuation came back cautious, not really crediting the view. Rather than accept it and find more cash, we ran the property through a lender whose panel valuer knew the area and what a harbour outlook is worth here. The second figure landed much closer to the price, kept their deposit where they planned it, and the purchase settled on the agreed terms. A different valuer can see the same home very differently.

A guarantor got them into a house.

A first home buyer wanted a house in Seaforth, but a house rather than a unit put the deposit out of reach for a while. Their parents offered to help, so we set up a family guarantor loan using a limited slice of the parents' equity as extra security. That let them buy with a smaller deposit and no lenders mortgage insurance, structured so the guarantee could be released later once they had built enough equity of their own.

Bought first, then sold in their own time.

A growing family found the larger Seaforth home they wanted before their own had sold, in a suburb where the right home rarely comes up. We worked out their borrowing as if the sale had not happened, arranged bridging finance secured over both properties, and let them buy first. They moved once, sold the old home in their own time, and the bridging closed when that sale settled, all without missing the home they wanted.

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 Seaforth 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 Seaforth 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

Seaforth 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, though Seaforth is a challenge for a first home, because it is mostly family houses with harbour outlooks and few apartments, so entry level stock is limited. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a family guarantor loan often helps most when you are buying a house rather than a unit. 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.
Can you help me buy my next home?
Yes, and it is a big part of what we do in Seaforth, where a lot of buyers are families trading up to more space or a better harbour outlook. Usually it means selling one home and buying the next, and the sequence shapes the loan: sell first for a set budget, or buy first with bridging finance carrying you across. Because homes here are tightly held, having your finance ready in advance genuinely counts. Call us and we will work out the order and structure that fits.
Can you help me refinance?
Yes. Being a premium family market, Seaforth loans tend to be large, so a rate that has drifted even slightly off the pace can cost thousands a year, and plenty of owners have not revisited their loan since settlement. Refinancing is the point to weigh it all together, the rate, the structure, the years still to run, not just the number out front. Since rates and lender criteria keep moving, anything quoted today dates quickly, so the practical step is a call where we run your loan across 35+ lenders.
Can you help me access equity or get a better rate?
Yes. Where your Seaforth home has appreciated, the equity inside it can usually be released for a renovation, a further purchase or a reshaping of your lending, and the same look often surfaces a keener rate too. What is usable turns on a fresh valuation and your position, and a harbour outlook in particular can be valued quite differently from one lender to the next. Since those figures move, a short call is the surest way to establish exactly what you have available right now.
Can you help me buy an investment property, using equity or cash?
Yes. You might fund an investment from cash, from equity built up in a property you already hold, or a combination, and how it is arranged matters both for keeping things clean and for the tax treatment later. Because Seaforth is really a family lifestyle market rather than a yield one, most investors here draw on their local equity to buy in a higher yielding area instead of in the suburb. Talk to your accountant on the tax and to us on the lending, so the structure is right from the start.
Do you offer digital appointments and virtual meetings?
Yes. A good number of Seaforth clients handle the whole thing remotely, over the phone or by Zoom or Teams, which slots neatly around family and work without anyone driving anywhere. Every stage runs that way if you like, from the first chat right through to settlement, with documents signed securely online. Prefer to sit down in person? We will come to you, weeknights and weekends included. Reach out and we will set it up whichever way suits your household.

Your Seaforth 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

Seaforth does not sit on its own. It sits above Middle Harbour beside Balgowlah, Clontarf and Manly Vale, with Killarney Heights in the bush behind and the Spit Bridge linking to the lower North Shore. Manly and Freshwater sit along the coast, and the beaches run north through Brookvale and Dee Why. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.