Sydney CBD mortgage broker

A mortgage broker
who knows postcode 2000.

Everything in the city is an apartment, and apartments are where lenders get fussy. 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

The CBD is small enough to cover in one breath. Down by the harbour sit Barangaroo and Circular Quay, with Wynyard and Martin Place just inland, the towers that went up around the financial district. South towards the station, Town Hall, Chinatown and World Square carry the newer, denser stock closer to Central.

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

Buying your first home
in the city?

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

0426 002 202 Let's meet

Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Sydney CBD

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.

A rate review became a reset.

They came to us wanting a sharper rate. Going through the file, we found they were paying for several products they were not using, and a lender that had not looked at their pricing in years. We consolidated it into one loan and negotiated the rate. Their repayments came down considerably from the rate alone, with the loan term left where it was.

Equity that was not locked away.

An investor was told they had no usable equity. One property sitting at a high loan to value ratio was holding back the whole portfolio, because their bank treated the lot as one pool. We separated the securities and moved one loan to a different lender. The equity that was supposedly locked became available, and it funded the next purchase without selling anything.

Keeping the home after a split.

After a separation, a client was told they would have to sell, because they could not refinance the loan into their own name. Income was never the issue. The problem was how the existing loan was structured and how that lender assessed it. We restructured the debt, used a partial equity release to settle the property split, and found a lender whose policy fitted. They kept the home.

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 city 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 Sydney CBD 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 city 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

Sydney CBD questions, answered

Is there a minimum apartment size lenders will accept?

Most lenders set one, usually measured on internal living area. Small studios and one bedders in the city often fall under it. When that happens some lenders decline the loan and others will lend a much smaller share of the price, so you need a bigger deposit. Every lender draws the line in a different place, which is why we check before you make an offer.

What about serviced apartments?

A lot of city stock is hotel style, or sits under a management agreement with a letting company. Many lenders will not lend on it at all, and the ones that do usually lend a lot less than they would on a normal unit. It can look like good value on the listing and still be very hard to finance. Check with us before you sign.

Do lenders treat Sydney CBD apartments differently?

Yes, more than anywhere else in Sydney. Postcode 2000 is nothing but towers, so lenders and mortgage insurers watch it closely. Some cap how much they will lend on a unit in a large building. Some keep their own list of towers they will not lend on at all. The same unit can be approved by one lender and declined by another. Send us the address and we will tell you where it stands.

What should I know about buying off the plan in the city?

The bank values the unit when it is finished, not when you sign. If it values lower than the price you agreed to pay, you have to cover the gap in cash at settlement. Approval given years earlier can also run out. The cooling off period on an off the plan contract in NSW is ten business days rather than five. The CBD has a lot of towers still being built, so plan for all of this before you sign.

What is loan to value ratio and why does it matter in the city?

It is the size of your loan against what the place is worth, written as a percentage. It matters more in the CBD than anywhere, because lenders cap the LVR they will accept on units in large towers, and that cap is set by the building rather than by you. A cap can turn a small deposit into a large one overnight, which is why we check the building before you make an offer.

Can I buy my first home with a 5% deposit?

If you are an eligible first home buyer, often yes. The Australian Government 5% Deposit Scheme lets you buy with a 5% deposit and pay no lenders mortgage insurance. Housing Australia guarantees the gap between your deposit and 20%, so the lender treats the loan as covered. Not every lender is approved to write these loans, so we check what applies to you before you start looking.

Can I get a home loan if I am self employed?

Yes, and the city is full of people who need one. Most lenders want two years of tax returns, though some will look at one year, and a few work from business bank statements instead. Depreciation, one off costs and money you have paid into super can often be counted back as income, which changes what you can borrow. Which lender sees your file matters more than it does for a salaried buyer.

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, especially with the lender panel differences that matter so much here.

Should I use my bank or a mortgage broker for a city apartment?

A bank can only offer its own loans and its own rules. If those rules leave out your building or your floor size, you often 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 Sydney CBD 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

Sydney CBD mortgage broker

A mortgage broker who knows postcode 2000.

Find your local mortgage broker

Buying your first homein the city?

Meet Ali Hasani

Founder & mortgage broker

How we helped

A rate review became a reset.

Equity that was not locked away.

Keeping the home after a split.

Time to refinanceyour home loan?

What to know before you buy

Home loan pre-approval

Strata title apartments

Settlement day

Home loans for every Sydney CBD 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

Sydney CBD questions, answered

Your Sydney CBD mortgage brokerYour home loan. Made simple.

A mortgage broker
who knows postcode 2000.

Buying your first home
in the city?

Time to refinance
your home loan?

Ready to buy
your next home?

Property deposit
calculator

Mortgage repayment
calculator

Home equity
calculator

Your Sydney CBD mortgage broker
Your home loan. Made simple.