Summer Hill mortgage broker

Summer Hill mortgage broker

A mortgage broker
who knows Summer Hill.

Home loans in Summer Hill 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 Summer Hill

Each one runs differently here, because Summer Hill is a heritage village suburb around its station, where family houses sit alongside a genuine unit market.

First home loans in Summer Hill
Summer Hill is one of the more workable Inner West suburbs for a first home, with a genuine unit market alongside the heritage houses, around the village and station. The Australian Government 5% Deposit Scheme comes with a property price cap in NSW, and a number of Summer Hill units sit under it. Some jobs skip lenders mortgage insurance altogether, and a family guarantor loan is the other common way to bring the deposit down close to the city.
Buying your next home in Summer Hill
The step in Summer Hill is often from a unit up to a house, and both trade in good numbers here, so the move is on the table rather than years off. Some people upgrade within Summer Hill as families grow. Others keep the unit, rent it out and buy the house nearby in Ashfield, Dulwich Hill or Lewisham. Selling first or buying first changes how the loan is built, and bridging finance covers the gap when the two settlements will not line up.
Investment property loans in Summer Hill
Summer Hill rents steadily thanks to the village, the station and a tight rental market, with unit yields around 3.6% while houses return closer to 2.1%. Lenders count expected rent towards what you can afford, so on a unit that rent does real work, while a house leans more on your income. Older blocks and heritage flats can have quirks that affect lending. Keeping the new loan separate from the home loan matters for tax, so speak with your accountant early.
Refinancing a Summer Hill home loan
Values here have moved, so the equity in your place may be more than you last checked. That figure can fund a renovation, a deposit on the next purchase, or the release of a parent's home still sitting as security on your loan. 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 where it is.

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 Summer Hill unit with less than a 20% deposit, and some suit this market better than others. We can walk you through them before you start inspecting.

0426 002 202 Let's meet
About Summer Hill

What the 2130 market actually looks like

History of Summer Hill
Summer Hill grew as a leafy Victorian and Federation suburb around its railway station, keeping a strong village feel to this day with the shops, cafes and the old flour mill precinct at its heart. Just a few kilometres from the city, it draws families and professionals who want heritage character and a walkable centre close in.
Summer Hill property market
Summer Hill runs a genuine unit market alongside its houses. Apartments and heritage flats near the village and station trade in good numbers and give first buyers and investors a way in, while Victorian and Federation houses sit above them. The village lifestyle, the station and the tight rental market keep demand firm across both ends.
Summer Hill property prices
Houses sit around $2.5 million, with roughly 47 sold in a year, while units are far more reachable, near $1.0 million, and actually trade in greater numbers, about 104 in the same period. Unit yields run near 3.6%, house yields closer to 2.1%, so the unit market is the accessible and income friendly end here.
Borrowing in Summer Hill
On a house you are often near the loan size where lenders start adding their own checks. On a unit the building decides it, and Summer Hill has older blocks and heritage flats near the village that some lenders weigh differently. Send us the address before you offer and we will flag anything a lender is likely to catch.

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

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 Summer Hill, 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 Summer Hill

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

The scheme they already qualified for.

A couple renting near the Summer Hill village had saved a 5% deposit and assumed years more waiting lay ahead. What they had not realised was that they were eligible for the Australian Government 5% Deposit Scheme, which let them buy a Summer Hill unit with the deposit they already had and no lenders mortgage insurance. They kept the rest of their savings for moving costs and a buffer. The wait they had braced for simply did not need to happen.

Rent that made the numbers work.

An investor wanted a Summer Hill unit and their bank said the borrowing fell just short. The issue was how that lender treated rental income, and the tight local rental market makes the rent do real work. We moved the application to a lender that counted a higher share of the rent towards serviceability. Same purchase, same rent, assessed differently, and it cleared. Which lender reads the rent often decides these deals.

From unit to house, in order.

An owner wanted to keep their Summer Hill unit as a rental and buy a house nearby, and the timing of the two did not line up. We worked out their borrowing across both, arranged bridging finance so they could buy the house before the move was complete, and set the unit up as an investment loan. They ended with a home and a rental, structured cleanly, rather than being forced to sell the unit to make the house happen.

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 Summer Hill 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 Summer Hill 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

Summer Hill 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, and Summer Hill is one of the more workable Inner West suburbs for a first home, because it has a genuine unit market alongside the heritage houses, so there is a real entry point around the village and station. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a number of Summer Hill units sit under the scheme's property price cap. Those rules change over time, so the best next step is a quick call where we go through your situation and tell you where you stand today.
Can you help me buy my next home?
Yes. In Summer Hill the step is often from a unit up to a house, and both trade in good numbers, so the move is on the table rather than years away. Some people upgrade within Summer Hill, others keep the unit as a rental and buy the house nearby. Whether you sell first or buy first changes how the loan is built, and bridging finance covers the gap when timing does not line up. Give us a call and we will map the order and structure that suits your plans.
Can you help me refinance?
Yes. A loan taken out a few years ago in Summer Hill may quietly be costing more than it should, since both the market and the deals on offer have moved on. Refinancing is the natural point to put the rate, the loan's structure and its remaining term on the table together. Rather than give you a rate that goes stale within weeks, we would sooner sit down over a call, run your loan against 35+ lenders, and tell you honestly if a change is worthwhile.
Can you help me access equity or get a better rate?
Yes. If your Summer Hill home has grown in value, the equity you have built can often fund a renovation, another purchase or a restructure, and a review frequently turns up a sharper rate along the way. How much is usable depends on a current valuation and your position. Because those figures move with the market, the most useful thing is a quick call where we work out what is genuinely available to you right now rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. An investment can be funded from cash, from the equity sitting in a property you already own, or a mix of both, and how it is arranged matters for keeping finances clean and for the tax later. In Summer Hill the apartments draw steady demand from the village, the station and a tight rental market, so they stand up as an investment, and the equity in your home here can just as well buy elsewhere. Speak to your accountant on the tax and to us on the lending, so it is structured right from day one.
Do you offer digital appointments and virtual meetings?
Yes. Distance is never a barrier with us. Whether you are across the village or across the country, we can do the whole loan by phone, Zoom or Teams, fitting the appointments around your days and signing everything securely online, right through to settlement. Of course, if you would rather we came and sat at your kitchen table, we do that too, on weeknights and weekends. Let us know your preference and we will make it happen.

Your Summer Hill 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

Summer Hill does not sit on its own. It sits between Ashfield and Dulwich Hill, with Haberfield to the north and Lewisham and Petersham to the east. Marrickville sits south and the Inner West runs on through Leichhardt. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.