Sydney Central mortgage broker
Sydney Central mortgage broker
A mortgage broker
who knows inner Sydney.
Terraces and towers in the same street, and lenders do not treat them the same. We compare 35+ lenders 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 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.
Not sure where to start
with your home loan?
We compare 35+ mortgage lenders to help you find the right home loan before you start house hunting.
Client stories
How we helped
Three real situations, and what actually happened in each one.
The guarantor they did not need.
They came in certain their parents would have to guarantee the loan, because they only had a 10% deposit. We looked at what they did for a living and worked through which lenders treat that job differently. One of them waived the mortgage insurance altogether, so we wrote the loan without a guarantor. They bought their first home with their savings intact, and nobody had to put a second house on the line.
The interest only cliff.
An investor's interest only period was about to end, and the repayments were set to jump by close to $1,450 a month. Their lender offered nothing useful. We refinanced the portfolio, staggered the loan terms so they did not all roll over at once, and negotiated a sharper rate. The jump came down to about $180 a month, which bought them time to work on cash flow rather than sell a property to cover it.
The settlement that nearly fell over.
They had bought at auction, so there was no cooling off and no way out. The application was still with the lender when a policy changed and it could no longer proceed. That window between the hammer and formal approval is where the risk sits, because once loan documents are issued a policy change does not reach back and touch you. We found another lender whose policy fitted, got the approval and had funds in place in time. Had we not, the deposit was gone and the seller could have come after them for the rest.
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 part of inner Sydney sells, what lenders do there, and what deposit you are likely to need.
Alexandria mortgage broker
2015
Beaconsfield mortgage broker
2015
Camperdown mortgage broker
2050
Centennial Park mortgage broker
2021
Chippendale mortgage broker
2008
Darlinghurst mortgage broker
2010
Darlington mortgage broker
2008
Dawes Point mortgage broker
2000
Elizabeth Bay mortgage broker
2011
Erskineville mortgage broker
2043
Eveleigh mortgage broker
2015
Forest Lodge mortgage broker
2037
Haymarket mortgage broker
2000
Millers Point mortgage broker
2000
Moore Park mortgage broker
2021
Potts Point mortgage broker
2011
Pyrmont mortgage broker
2009
Redfern mortgage broker
2016
Rosebery mortgage broker
2018
Rushcutters Bay mortgage broker
2011
St Peters mortgage broker
2044
Surry Hills mortgage broker
2010
The Rocks mortgage broker
2000
Ultimo mortgage broker
2007
Waterloo mortgage broker
2017
Woolloomooloo mortgage broker
2011
Zetland mortgage broker
2017
Mortgage broker near me
All of Sydney
See all 220+ suburbs we cover across Sydney and NSW.
Thinking about
your next home?
We work out the equity you already have, what it could buy, and whether you can buy before you sell.
Free guides
What to know before you buy
Twelve free guides covering how an inner Sydney 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
Deposit options
The different ways people pull a deposit together, and what each one costs you.
Read the guide
Budgeting for a deposit
How to work out what you can actually put aside, and how long it will take.
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 on a terrace, and why two valuations can land 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
Strata title apartments
What you own in a block, what the body corporate owns, and what lenders check.
Read the guide
Freestanding houses
What changes when you buy a terrace or a house on its own title.
Read the guide
Location and condition
What to look at on inspection day in an old street, well beyond the photos.
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 Sydney Central plan
First home
Learn more
Next home
Learn more
Investment property loans
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Refinancing
Learn more
No LMI loans
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Self employed home loans
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Guarantor loans
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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 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 inner Sydney is full 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
Learn more
Home loans for
Lawyers
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Home loans for
Accountants
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Home loans for
Auditors
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Home loans for
Actuaries
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Home loans for
Doctors
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Home loans for
Dentists
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Home loans for
Optometrists
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Home loans for
Physiotherapists
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Home loans for
Chiropractors
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Home loans for
Psychologists
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Home loans for
Osteopaths
Learn more
Home loans for
Podiatrists
Learn more
Home loans for
Pharmacists
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Home loans for
Sonographers
Learn more
Home loans for
Veterinarians
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.
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
Sydney Central questions, answered
Why use a mortgage broker in Sydney Central?
Inner Sydney is terraces and towers in the same street, and lenders do not treat them the same. Building height, floor size and the age of a place all change what a lender will offer, and each one draws the line differently. A bank can only show you its own rules. A broker compares many lenders before you apply, so you find out early rather than after a valuation. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
Can I buy in Sydney Central 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. It is a guarantee, not a grant, and the government takes no share of your home. Zetland, Waterloo, Ultimo, Chippendale and Rosebery are where most inner Sydney buyers use it. There is a price cap and eligibility rules, both reviewed from time to time, so we check the current position against your price range before you start.
What is Help to Buy and can I use it in inner Sydney?
Help to Buy is a shared equity scheme. The government pays part of the purchase price and you buy with a much smaller deposit than usual. In return the government owns that share of the home until you buy it back or sell it. There are income limits and property limits, and you cannot use it at the same time as the 5% Deposit Scheme. It suits a narrower group of people than the 5% scheme does, so the two are worth comparing properly rather than assuming one is better. We will tell you which one you actually fit.
Do first home buyers still pay stamp duty in NSW?
Often some, yes. There are concessions for first home buyers below certain price levels, and full duty applies above them. A lot of inner Sydney sits close to the line rather than clearly under it, so budget for part of it rather than assuming it is waived. The 5% Deposit Scheme deals with your deposit and your mortgage insurance, not your duty. The thresholds are set by the NSW government and get reviewed, so we check the current ones for you.
How much equity can I use to buy my next home?
Usable equity is roughly 80% of what your place is worth today, less what you still owe. If your Zetland unit is worth $900,000 and you owe $400,000, that is about $320,000 you may be able to put towards the next place. You do not have to sell first to work it out and you do not have to save a fresh deposit. Borrowing past 80% usually brings lenders mortgage insurance back into it.
Can I use my equity to buy an investment property instead?
Yes, and it is common in inner Sydney because prices have moved a lot. The equity in your home becomes the deposit on the investment, so you are not saving twice. How the loans are set up matters a great deal here, both for how much you can borrow later and for your tax position. Every situation is different, so your accountant or financial adviser is the right person to ask about the tax side, and we handle the lending structure.
What do lenders want to see before they will fund a terrace renovation?
For cosmetic work, very little. A kitchen, bathroom or repaint can usually be funded by topping up your existing loan against your equity. Once you are extending out the back, opening up the ground floor or adding a level, most lenders want a construction loan, and for that they will ask for a fixed price building contract, council approval, and plans. Many inner Sydney terraces sit in heritage conservation areas, which slows the approval side down, so start the finance conversation while the plans are still being drawn.
Can I add the renovation cost to the loan when I buy?
Sometimes, and it is worth asking before you buy rather than after. Some lenders will fund a purchase and a renovation together, valuing the place on what it will be worth once the work is done rather than what it is worth on the day. That can mean you borrow more than the purchase price. It needs quotes and plans up front, and not every lender offers it. Build in a buffer of 10% to 20% as well, because renovation costs move.
Can I buy my next home before I sell the one I own?
Often yes, using a bridging loan. It covers you for the stretch where you own both places, then winds back once the old one settles. It takes the pressure off having to sell on someone else's timetable. Not every lender offers one and the terms vary, so it is worth lining up early.
Do lenders treat inner Sydney apartments differently?
Some do. Buildings over about four storeys in inner suburbs count as high density with certain lenders, and a few cut what they will lend. Studios and small one bedders can also fall under a lender's minimum size. It does not stop you buying, it just changes which lender suits. We line that up before you make an offer.
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. Some lenders offer cashback that covers the lot. The real question is not the refinance cost, it is whether the saving over the next couple of years clears it. We work that out before you switch and tell you if it does not.
Is an offset account better than redraw?
They both cut the interest you pay, but they work differently. An offset account is a normal transaction account linked to your loan, and every dollar sitting in it comes off the balance the interest is worked out on. Redraw is money you have already paid into the loan that you can pull back out. Offset keeps the money clearly yours and available, while redraw access can be limited or changed by the lender. If the property is or may become an investment, which one you use can change your tax position, so that part is a question for your accountant. We can set up either, and an offset account home loan is usually a variable rate product.
Your Sydney Central 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 Sydney Central: Alexandria mortgage broker | Beaconsfield mortgage broker | Camperdown mortgage broker | Centennial Park mortgage broker | Chippendale mortgage broker | Darlinghurst mortgage broker | Darlington mortgage broker | Dawes Point mortgage broker | Elizabeth Bay mortgage broker | Erskineville mortgage broker | Eveleigh mortgage broker | Forest Lodge mortgage broker | Haymarket mortgage broker | Millers Point mortgage broker | Moore Park mortgage broker | Potts Point mortgage broker | Pyrmont mortgage broker | Redfern mortgage broker | Rosebery mortgage broker | Rushcutters Bay mortgage broker | St Peters mortgage broker | Surry Hills mortgage broker | The Rocks mortgage broker | Ultimo mortgage broker | Waterloo mortgage broker | Woolloomooloo mortgage broker | Zetland mortgage broker