St George mortgage broker

A mortgage broker
who knows the St George area.

Towers near the airport line, brick houses further in, and a flight path that shows up on a valuation more than it stops a loan. We compare 35+ lenders and it costs you nothing.

35+

Lenders

10+

Years experience

1,000+

Clients helped

Cost to you

Start here

Find your local mortgage broker

Nearest the airport, Wolli Creek and Arncliffe carry the newest towers, with Rockdale and Brighton-Le-Sands running along the bay. Inland, Bexley and Kogarah are more established, with Monterey and Sans Souci along the water further south. Our office sits close by in Ryde, and we work every part of it through to Hurstville, the main hub, and the quieter streets of Penshurst, Mortdale and Oatley.

Not on the list? We've helped clients Sydney wide. See every suburb we cover.

Buying your first home
in the St George?

We compare 35+ lenders, work out what you can borrow, and help you get pre-approved before you start looking.

0426 002 202 Let's meet

Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for ST George

Founder & mortgage broker

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.

Client stories

How we helped

Three real situations, and what actually happened in each one.

The flight path did not stop it.

They were told by one lender the noise overlay on the title meant a smaller loan and a bigger deposit. It was one lender's caution, not a rule. We took the file to a lender who assessed the property on its own merits, and the deal went through on standard terms. The overlay showed up on the valuation report, same as it does on most homes in the area, and made no real difference.

The scheme they had ruled themselves out of.

A first home buyer had assumed the Australian Government 5% Deposit Scheme did not stretch to a unit near Hurstville station, because they had read it only applied to houses. It applies to units too, and at St George price points a lot of them fit under the cap. We checked their eligibility and they bought with a 5% deposit and no mortgage insurance.

Two units, one lender's limit.

An investor with a unit already in a large Wolli Creek block wanted to buy a second in the same building. Their existing lender would not go near it, citing exposure limits on the tower. We placed the new loan with a different lender who had no such cap, and the purchase went ahead without touching the first loan.

These are past client stories, with details changed for privacy. Your own result depends on your situation and what the lender decides.

Time to refinance
your home loan?

We compare your current loan against 35+ lenders. If switching 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

Free guides

What to know before you buy

Three free guides covering how a St George purchase actually runs, from pre-approval to settlement.

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 St George plan

Not sure where to start? See what a mortgage broker actually does.

Ready to buy
your next home?

We work out the equity you already have, what it could buy, and whether you can buy before you sell.

0426 002 202 Let's meet

Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and the St George Hospital precinct is full of them. The lists and the limits differ from one lender to the next, so it is worth checking where yours sits.

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

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.

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.

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."

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

St George questions, answered

Why use a mortgage broker in the St George?

Towers near the airport line sit against brick houses further in, and a flight path overlay shows up on titles across a lot of the region. Lenders read these differently, and a bank can only show you its own rules. A broker checks several before you commit. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.

Does the flight path affect my home loan?

Usually not the approval, but a valuer will note it. Parts of the St George sit under Sydney Airport's flight path, and it shows up as a comment on the valuation report rather than a reason to decline. Some lenders are more cautious than others about it, which is worth checking before you make an offer.

Can I buy a St George unit with a 5% deposit?

Often yes. The Australian Government 5% Deposit Scheme lets an eligible first home buyer buy with a 5% deposit and pay no lenders mortgage insurance, and it covers units as well as houses. A lot of St George apartment prices sit under the scheme's price cap, which makes this one of the areas where it genuinely reaches.

Do lenders treat St George apartments differently?

Some do. The larger towers near the airport line can count as high density with certain lenders, which caps how much they will lend on a unit there. Some lenders keep exposure limits on individual buildings, meaning they will not write a second loan in a block where they already hold several. Send us the address before you make an offer and we will tell you where it stands.

Do first home buyers pay stamp duty in NSW?

There are concessions for first home buyers below certain price levels, and full duty applies above them. The thresholds are set by the NSW government and get reviewed, so the honest answer depends on the price and the rules in force when you buy.

How much equity can I use to buy an investment property?

Usable equity is roughly 80% of what your place is worth today, less what you still owe. That figure becomes the deposit on the next purchase, so you are not saving twice. Go past 80% and lenders mortgage insurance usually comes back into it.

Can I buy before I sell?

Often yes, using a bridging loan, where the lender carries both loans for a period. It takes the pressure off selling to someone else's timetable. Not every lender offers one and the terms vary a lot.

How long does a home loan pre-approval last?

Ninety days. That is the standard across lenders, and there is no such thing as a six month pre-approval whatever you may read elsewhere. Each application is also a hard enquiry on your credit file, so applying to several lenders at once works against you.

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. If any one of those does not suit your building or your street, 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 St George mortgage broker
Your home loan. Made simple.

Free check. No pressure. More than 35+ lenders compared at $0 cost to you.

0426 002 202 Let's meet

St George mortgage broker

A mortgage broker who knows the St George area.

Find your local mortgage broker

Buying your first homein the St George?

Meet Ali Hasani

Founder & mortgage broker

How we helped

The flight path did not stop it.

The scheme they had ruled themselves out of.

Two units, one lender's limit.

Time to refinanceyour home loan?

What to know before you buy

Home loan pre-approval

NSW stamp duty

Settlement day

Home loans for every St George plan

Ready to buyyour next home?

Home loans by profession

Run the numbers

Property depositcalculator

Mortgage repaymentcalculator

Home equitycalculator

Three steps to your loan

Free check

Get pre-approved

Settle, then stay in touch

5.0 ★★★★★ on Google

St George questions, answered

Your St George mortgage brokerYour home loan. Made simple.

A mortgage broker
who knows the St George area.

Buying your first home
in the St George?

Time to refinance
your home loan?

Ready to buy
your next home?

Property deposit
calculator

Mortgage repayment
calculator

Home equity
calculator

Your St George mortgage broker
Your home loan. Made simple.