St Marys mortgage broker

St Marys mortgage broker

A mortgage broker
who knows St Marys.

Home loans in St Marys 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 St Marys

Each one runs a little differently here, because St Marys is a town centre with a major station, the interchange for the new metro line to the Western Sydney Airport, where established houses meet new apartments near the centre.

First home loans in St Marys
This is a strong gateway into home ownership. Established houses here sit under the 5% Deposit Scheme cap, and new apartments near the station sit under it too, so a 5% deposit with no lenders mortgage insurance is realistic either way. A new unit is judged on the building, so which route fits your deposit is exactly what we work out.
Buying your next home in St Marys
The step from a unit to a house is a real one, and the established streets are where families land. Some upgrade to a house nearby. Others keep the unit, rent it on the strength of the coming metro, and buy the house. Selling first or buying first changes the loan, and bridging finance covers the gap when the order does not line up.
Investment property loans in St Marys
One of the region's strongest growth stories, a town centre that becomes the metro interchange to the Western Sydney Airport, with deep tenant demand and a pipeline of new apartments near the station. Lenders count expected rent towards what you can afford. New and off the plan stock is judged on the building, and a valuation at completion can differ from the price agreed, so it pays to line the finance up early.
Refinancing a St Marys home loan
This is where most people find a quick win. As the town centre is renewed around the new metro and your equity grows, what your place is worth 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 is also the time an interest only period ending on an investment unit gets sorted before the repayment jumps.

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 St Marys home with less than a 20% deposit, whether it is an established house or a new apartment near the station, and which ones are open to you depend on the property as much as your income. We can work through it before you start looking.

0426 002 202 Let's meet
About St Marys

What the 2760 market actually looks like

History of St Marys
Settled along South Creek and named when its post office opened in 1840, after the parish church of St Mary Magdalene, St Marys grew as a coach and wagon manufacturing town. It sits about eight kilometres east of the Penrith centre, and its station on the Main Western Line is becoming the interchange for the new Sydney Metro line to the Western Sydney Airport, with Queen Street the retail high street.
St Marys property market
A genuine town centre rather than just a suburb, split by the rail line, with established houses on the residential streets and a growing run of new apartments near the station. The coming metro is reshaping the centre, keeping the unit pipeline moving and the rental market deep.
How we help in St Marys
The metro is the opportunity, and the building is the catch. We know which lenders count the transport led rental demand most fully and which are comfortable with new and off the plan stock, where the valuation lands at completion. We compare 35+ lenders at no cost to you, line the finance up early, and match the purchase to the right one.
Borrowing in St Marys
Two conversations. Established houses sit under the 5% Deposit Scheme cap, so a 5% deposit with no lenders mortgage insurance is realistic, and new apartments near the station sit under it too. New unit stock is judged on the building, where the valuation lands at completion, and the metro led demand supports an investment case. Send us the address before you offer.

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

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 St Marys, 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 St Marys

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

First home at the interchange, 5% down.

A first home buyer wanted to be near the station and the coming metro but assumed a purchase was years away. Their St Marys home sat under the government scheme cap, so we checked their eligibility and they bought with a 5% deposit and no lenders mortgage insurance, keeping the rest of their savings for the move and a buffer.

The tenant demand the metro is bringing.

An investor wanted a St Marys unit near the station for the rental demand the new metro is drawing, but their capacity looked tight. The demand was strong, and we placed the loan with a lender whose policy counted more of the rent, which made the numbers work. Beside a metro interchange, the tenant pool only deepens, but the loan stacks up only if the lender recognises the rent.

The off the plan apartment, settled on time.

They had bought a new St Marys apartment off the plan near the station, and settlement was more than a year away. We lined up the finance early, kept the pre-approval current as the build ran on, and when the valuation came in at completion we already knew which lender fitted it best. The settlement went through on time, with no scramble 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.

Free guides

What to know before you buy

Three free guides covering how a St Marys St Marys 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 St Marys for every plan

First home
Learn more
Next home
Learn more
Investment property
Learn more
Refinancing
Learn more
Construction loans
Learn more
Bridging loans
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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.

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Your job matters

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and lend a higher share of the price without it. 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

St Marys 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 St Marys?
St Marys works two ways for a first home. Established houses sit under the 5% Deposit Scheme cap, so a 5% deposit with no lenders mortgage insurance is realistic, and new apartments near the station sit under it too. We look at your income, your debts and your deposit, work out what lenders will count, then get you pre-approved. On a new unit the building matters, because the valuation lands at completion. We compare 35+ lenders at $0 cost to you.
Can I buy my next home in St Marys 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. St Marys is a common upgrade market, so this comes up a lot. Buying first suits a thin market where the right home is rare; selling first means you know your number before you bid. It is worth pricing both.
When is it worth refinancing a St Marys home loan?
This is where most people find a quick win. A fixed period ending is one trigger. So is an interest only period rolling over on an investment unit, a rate that has not been reviewed in years, or a guarantee over a parent's home still sitting there. As the town centre is renewed around the new metro and your equity grows, what your place is worth 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.
Can I refinance to a sharper rate and unlock equity at the same time?
Often, yes, and they pair up well. 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 on a new unit it can be conservative, 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 St Marys 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. St Marys is drawing deep rental demand on the back of the new metro interchange, so lenders count that expected rent towards what you can afford, though how much they count varies by lender, and a new unit is judged on the building. How the borrowing is split affects tax, so run that part past your accountant.
Do you offer digital appointments and evening or weekend meetings?
Yes. 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 St Marys or beyond, distance changes nothing about how we work.
How do lenders count the rent on an investment property in St Marys?
Lenders count a share of the expected rent towards what you can afford, but not all of it and not all the same way. Most take around 80% of the rent to allow for costs and vacancy, and some are more generous than others in how they treat it, which can change what you are able to borrow on the very same property. On higher yielding stock that difference matters a great deal. We know which lenders count rental income more fully, and we match the purchase to the one that makes your numbers work.
Should an investment loan be interest only or principal and interest?
Both get used, and it comes down to your strategy. Interest only keeps the repayment lower for a set period because you are not paying down the balance, which can help cash flow and is often chosen for tax reasons, then the loan switches to principal and interest and the repayment steps up. Principal and interest costs more each month but reduces what you owe from the start. Lenders assess interest only more tightly, which can affect borrowing power. The tax side is a conversation for your accountant, and we set the structure up around it.
How does using equity to buy an investment actually work?
Rather than a cash deposit, we release the usable equity in a property you already own, broadly its value less what you owe and less the buffer lenders keep, and use that as the deposit and costs on the investment. The key is to keep the two properties on separate loans and securities so they are not tied together, which keeps your options open later and can matter for tax. We structure it so the investment stands on its own, and run the equity release and the purchase as one plan.

Your St Marys 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

St Marys is a town centre and coming metro interchange in Penrith, and it does not sit on its own. Werrington and Kingswood run west toward the Penrith centre, with Werrington Downs and Cambridge Park nearby. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.