St George mortgage broker
St George mortgage broker
A mortgage broker
who knows St George.
If your income does not arrive as a payslip, or you are building rather than buying, the lender you pick matters more than the rate. We compare more than 35 of them and it costs you nothing.
35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you
Meet Ali Hasani
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 more than 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.
Does your income
confuse your bank?
Company profits, distributions, trusts and variable income all get read differently from one lender to the next. We know which ones read them properly.
Client stories
How we helped
Three real situations, and what actually happened in each one.
A dentist who kept their cash.
A self employed dentist wanted to buy but did not want to spend years building a 20% deposit. The income was strong, though the business structure and the recent figures made it a harder read than a payslip. We matched them to a lender that waives mortgage insurance for eligible medical professionals and wrote the loan on a smaller deposit. They bought sooner, kept the cash working in the practice, and paid no LMI at all.
A doctor their own bank could not read.
A doctor with a successful practice kept getting nowhere with their own bank, because the income came through company distributions and profits left in the business rather than as wages. Some lenders will not count retained profits at all. We took it to one that understands how medical practices are actually run, and it was approved. They bought the home they wanted without pulling money out of the practice to prove a point.
A build that did not run out of money.
A couple building their first home underestimated how a construction loan works. Part way through, material costs rose and the builder issued variations that moved the budget. We had allowed for that from the start and borrowed extra to cover variations. On a construction loan you only pay interest on what has actually been drawn, so carrying that buffer cost them nothing while it sat unused. The build finished without a funding scare and the unused portion was simply repaid at the end.
These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.
Start here
Find your local mortgage broker
Each page covers what that suburb sells, what lenders do there, and what deposit you are likely to need.
Arncliffe mortgage broker
2205
Bexley mortgage broker
2207
Brighton-Le-Sands mortgage broker
2216
Hurstville mortgage broker
2220
Kogarah mortgage broker
2217
Monterey mortgage broker
2217
Mortdale mortgage broker
2223
Oatley mortgage broker
2223
Penshurst mortgage broker
2222
Rockdale mortgage broker
2216
Sans Souci mortgage broker
2219
Wolli Creek mortgage broker
2205
See all 220+ suburbs we cover, or find a mortgage broker near you.
Building rather
than buying?
Construction lending works nothing like a normal home loan. We will walk you through the stages before you sign a building contract.
Free guides
What to know before you buy
Twelve free guides covering how a St George purchase actually runs, from pre-approval to settlement.
Home loan pre-approval
What pre-approval covers, how long it holds, and why it is not formal approval.
Read the guide
Lenders mortgage insurance
What LMI costs, who pays it, and the ways to avoid paying it at all.
Read the guide
Loan to value ratio
The number that decides whether you pay LMI and how much you can release.
Read the guide
Buying land to build
How the loan works when you buy the block first and put the house up after.
Read the guide
First time land buyers
What to know before you buy a block, including zoning, size and services.
Read the guide
Bank valuations
Lenders lend against the valuation, not the price you agreed to pay.
Read the guide
Property valuation guide
What a valuer looks at, and why two valuations can land far apart.
Read the guide
Strata title apartments
What you own in a block, what the body corporate owns, and what lenders check.
Read the guide
Freestanding houses
What changes when you buy a house on its own title rather than in a block.
Read the guide
Genuine savings
What lenders count as your own money towards a deposit, and what they will not.
Read the guide
Choosing a home loan
Fixed, variable, offset and redraw, and which of them suits what you are doing.
Read the guide
Settlement day
What happens at the end, and everything that has to be ready before it.
Read the guide
What we do
Home loans for every St George plan
First home
Learn more
Next home
Learn more
Investment property loans
Learn more
Refinancing
Learn more
No LMI loans
Learn more
Self employed home loans
Learn more
Guarantor loans
Learn more
Using your equity
Learn more
Building loans
Learn more
Bridging loans
Learn more
Debt consolidation
Learn more
SMSF loans
Learn more
See all home loan help at Buyvest, or read the free guides in the Loan Vault. This is general information only, not personal financial advice.
When did you last
check your rate?
We compare your current home loan against more than 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 St George Hospital sits in the middle of the region. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.
Home loans for
Bankers
Home loans for
Lawyers
Home loans for
Accountants
Home loans for
Auditors
Home loans for
Actuaries
Home loans for
Doctors
Home loans for
Dentists
Home loans for
Optometrists
Home loans for
Physiotherapists
Home loans for
Chiropractors
Home loans for
Psychologists
Home loans for
Osteopaths
Home loans for
Podiatrists
Home loans for
Pharmacists
Home loans for
Sonographers
Home loans for
Veterinarians
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
Free check
We work out what you can borrow across 35+ lenders, and which ones suit the suburb and the kind of place you are buying.
2
Get pre-approved
We get your file ready and send it to the lender most likely to say yes to you and to your building.
3
Settle, then stay in touch
We stay with you to settlement, then keep an eye on your rate after that.
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
St George questions, answered
Why use a mortgage broker in St George?
St George Hospital and the surrounding practices mean a lot of local buyers are medical professionals, and a lot more run their own business. Both of those get read very differently from one lender to the next, and your own bank has only one reading. Add towers at Wolli Creek, waterfront at Sans Souci and plenty of people building rather than buying, and the odds of one lender suiting you are not great. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Can I get an LMI waiver as a doctor or dentist?
Often yes. Some lenders waive lenders mortgage insurance entirely for eligible medical professionals, which can save tens of thousands and means you do not have to wait until you have 20% saved. Doctors and dentists usually get the widest access. Other health professions sit on shorter lists with different limits, and some lenders set a minimum income. Being self employed does not rule you out of a waiver, though it does change which lenders will look at you.
How do lenders treat company profits and distributions?
This is where self employed applications most often fall over. If you pay yourself a modest wage and leave profits in the company, some lenders will only count the wage and ignore everything else. Others will look through to the company accounts and count retained profits as your income, provided you own enough of the business. That single difference can change your borrowing capacity dramatically on identical figures. It is worth knowing which camp a lender is in before you apply rather than after.
How does a construction loan actually work?
Nothing like a normal home loan. The lender does not hand over the money at once. It comes out in stages as the build progresses, usually slab, frame, lock up, fit out and completion, with the builder invoicing at each one. The lender values the property on what it will be worth finished rather than what the land is worth now. You need a fixed price building contract and council approval before it starts, and the loan is interest only while the build runs.
Do I pay interest on the whole construction loan from day one?
No, and this is the part most people do not know. You only pay interest on what has actually been drawn. If your loan is approved for $700,000 and only the land has settled, you pay interest on that portion alone. It is the reason borrowing a little extra for variations is worth doing. If the buffer is never used it costs you nothing, and if it is needed the money is already approved rather than being a scramble mid build.
What happens if my builder issues variations?
Variations are changes to the contract price once work is under way, and on most builds there are some. Material costs move, sites throw up surprises, and clients change their minds. The problem is that your loan was approved on the original contract, so a variation without funding behind it comes out of your pocket. Building a buffer in from the start is the cleanest answer. Otherwise you are asking a lender to increase a loan mid build, which is slow and not always possible.
Do lenders treat Wolli Creek and Arncliffe apartments differently?
Some do. Both have a lot of newer high rise, which can count as high density with certain lenders and cap how much they will lend on a unit there. Studios and small one bedders can fall under a lender's minimum size. Anything bought off the plan also carries the risk that the valuation at completion lands under the price you agreed to pay. The same unit can be approved by one lender and declined by another.
Do lenders treat waterfront homes differently?
Sometimes, around Sans Souci, Oatley and the Georges River. A valuer will look at the sea wall, any jetty or pontoon, and whether part of the property sits on leased land rather than land you own. Those things affect the valuation and how readily the place could be sold again, which is what the lender is really weighing. It rarely stops a purchase but it can change which lender suits.
How much deposit do I need in St George?
A 20% deposit avoids lenders mortgage insurance. Plenty of buyers get in with 5 or 10% and pay that insurance instead, and eligible medical professionals can often skip it entirely. A family guarantor loan can cut the deposit further again. If you are building, the deposit works against the land and the contract combined rather than a purchase price. We work out your real number across our panel before you start looking.
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.
How much does it cost to refinance a home loan?
Usually a few hundred dollars to around a thousand. Your current lender charges a discharge fee, there are government fees to move the mortgage, and the new lender may charge a settlement or valuation fee, though plenty waive them. If you are on a fixed rate there can be break costs, and those can be large, so they get checked first. The real question is whether the saving over the next couple of years clears the cost.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans and its own way of reading your income. If you are self employed, or your money comes through a company or a trust, that single reading is often the difference between yes and no. A broker knows which lenders look at the whole picture. Buyvest compares more than 35 lenders at $0 cost to you.
Your St George mortgage broker
Your home loan. Made simple.
Free check. No pressure. More than 35 lenders compared at $0 cost to you.
Buyvest serves every suburb across St George: Arncliffe mortgage broker | Bexley mortgage broker | Brighton-Le-Sands mortgage broker | Hurstville mortgage broker | Kogarah mortgage broker | Monterey mortgage broker | Mortdale mortgage broker | Oatley mortgage broker | Penshurst mortgage broker | Rockdale mortgage broker | Sans Souci mortgage broker | Wolli Creek mortgage broker