Sutherland Shire mortgage broker
Sutherland Shire mortgage broker
A mortgage broker
who knows the Shire.
From Engadine on the park boundary to canal front at Sylvania Waters, the Shire throws up properties a lot of lenders are careful with. 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.
Been told to wait
and come back later?
A different lender may read your income very differently. We compare 35+ of them before you accept a no.
Client stories
How we helped
Three real situations, and what actually happened in each one.
Told to wait a year. Did not have to.
A business owner had been told to come back in twelve months, because the latest financials showed profit was down. We went through the business properly and found a lender whose income policy suited how that business actually earns rather than what one year's figure showed. They bought the home they were looking at, on the timeline they had planned, instead of putting their life on hold for another year.
A renovation, not a personal loan.
A family wanted to renovate and had been quoted a personal loan at a much higher rate. Instead we looked at the home loan they already had, released $150,000 of available equity and folded it in. The repayments came out well below what the personal loan would have cost. The work also lifted what the place was worth by more than it cost to do, though that part is never guaranteed.
They nearly sold one they did not need to.
An investor was about to sell a property, convinced they had hit their borrowing limit. Their income was not the problem. It was how the loans were set up and how many years were left to run on them. We refinanced and took the term back out to 30 years, which lowered the assessed repayments and restored their capacity, and they bought another property rather than selling one. Stretching a term does mean more interest over the life of the loan, so we worked through it with their accountant before anything was signed.
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.
Bangor mortgage broker
2234
Bundeena mortgage broker
2230
Caringbah mortgage broker
2229
Como mortgage broker
2226
Cronulla mortgage broker
2230
Engadine mortgage broker
2233
Gymea mortgage broker
2227
Kirrawee mortgage broker
2232
Miranda mortgage broker
2228
Sutherland mortgage broker
2232
Sylvania Waters mortgage broker
2224
Taren Point mortgage broker
2229
Woolooware mortgage broker
2230
Mortgage broker near me
All of Sydney
See all 220+ suburbs we cover across Sydney and NSW.
Renovating soon?
Check your equity first.
A personal loan is rarely the cheapest way to fund it. We work out what is already sitting in your home.
Free guides
What to know before you buy
Twelve free guides covering how a Sutherland Shire 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
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
Buying at auction
There is no cooling off once the hammer falls, so the finance has to be sorted first.
Read the guide
Private treaty sales
How a normal sale runs, where the cooling off period sits, and what you can push on.
Read the guide
Freestanding houses
What changes when you buy a house on its own title rather than in a block.
Read the guide
Strata title apartments
What you own in a block, what the body corporate owns, and what lenders check.
Read the guide
Location and condition
What to look at on inspection day, well beyond the listing photos.
Read the guide
Deposit options
The different ways people pull a deposit together, and what each one costs you.
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 Sutherland Shire 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 the Shire has plenty of them. 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
Sutherland Shire questions, answered
Why use a mortgage broker in the Sutherland Shire?
The Shire has more properties that make lenders pause than most parts of Sydney. Homes backing onto the national park, canal front at Sylvania Waters, Bundeena at the end of the road, and beachfront at Cronulla. Add a lot of self employed households and you have plenty of applications that one bank will decline and another will approve without blinking. 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 bushfire prone land affect my home loan?
It can, and it comes up a lot near the Royal National Park around Engadine, Bangor and Bundeena. Councils map bushfire prone land, and a home on it may need a bushfire attack level assessment if you build or extend. For a loan, the practical issue is usually insurance rather than approval, because a lender will want the property insured before it settles and premiums on higher rated properties can be steep or harder to place. Price the insurance early rather than at the last minute.
Do lenders treat canal front and waterfront homes differently?
Some are more careful with them. At Sylvania Waters and along the Georges River, a valuer will look at the sea wall, the jetty or pontoon, and whether anything sits on land that is leased rather than owned. Those things affect both the valuation and how easily the property could be sold again, which is what a lender is really thinking about. It rarely stops a purchase, but it can change which lender suits and how much they will lend.
What happens if the valuation comes in under the price?
You usually find out after you are committed, because a lender will not order a valuation on a purchase until there is an exchanged contract. So the buffer has to exist before you sign, not after, and at auction there is no cooling off to fall back on. If it does land short you still have options. A different lender uses a different valuation panel and can come back with a different number on the same house. You can also put recent comparable sales in front of them if there is evidence the valuer has missed something. Failing that, the gap is covered in cash at settlement. It happens more often in the smaller Shire markets like Bundeena, where there are fewer recent sales for a valuer to work from.
My business profit was down last year. Can I still borrow?
Often yes, and being told to wait a year is not the only answer available. Lenders read business income very differently. Some average two years, some take the most recent year, some will work from business bank statements instead of tax returns. What gets added back also varies, and depreciation, one off costs and super contributions can often be counted back as income. A single soft year does not have to set your plans back twelve months, but which lender you go to matters enormously.
Should I use equity or a personal loan to renovate?
For most people the equity in the home is the cheaper money by a wide margin, because home loan rates sit well below personal loan rates. Cosmetic work can usually be funded by topping up the loan you already have. Once you are changing the structure of the house, most lenders want a construction loan instead, which releases funds in stages and needs a fixed price contract and council approval. The trade off with folding it into the mortgage is that you are paying it off over a much longer period, so it is worth looking at the total cost as well as the monthly one.
Can extending my loan term help me borrow more?
Sometimes, and it is a lever plenty of people do not know exists. Lenders assess what you can afford partly on the repayments of your existing loans, so a loan with fifteen years left is assessed harder than the same balance over thirty. Taking a term back out can lower those assessed repayments and free up capacity. The catch is real though. A longer term means more interest across the life of the loan, so the extra borrowing power has a cost. It is worth working through with your accountant before you decide.
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 is what 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.
Can I get a Sutherland Shire home loan with no LMI?
You may be able to. Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. Some lenders drop it completely for certain jobs, and the Shire has plenty of people in medicine, law and accounting. A family guarantor loan is another way to avoid it. We check every option across our panel before you commit to paying it.
Do lenders treat Shire apartments differently?
Sometimes. Newer blocks around Kirrawee, Miranda and Woolooware Bay can count as high density with certain lenders, which caps how much they will lend. Studios and small one bedroom units can fall under a lender's minimum size. Anything bought off the plan 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.
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, its own valuation panel and its own rules. In a market with this many unusual properties, the odds that one lender suits yours are not great, and you usually find out after you have applied and paid for a valuation. A broker checks it against many lenders first. Buyvest compares more than 35 lenders at $0 cost to you.
Your Sutherland Shire 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 the Sutherland Shire: Bangor mortgage broker | Bundeena mortgage broker | Caringbah mortgage broker | Como mortgage broker | Cronulla mortgage broker | Engadine mortgage broker | Gymea mortgage broker | Kirrawee mortgage broker | Miranda mortgage broker | Sutherland mortgage broker | Sylvania Waters mortgage broker | Taren Point mortgage broker | Woolooware mortgage broker