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

Cost to you

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Find your local mortgage broker

Closest to the city, Haymarket, The Rocks, Dawes Point and Millers Point sit right against the harbour, with Pyrmont and Ultimo just west. South of that, the terrace belt runs through Darlinghurst, Surry Hills and Chippendale, with Darlington and Camperdown alongside the university. East towards the water, Potts Point, Elizabeth Bay, Rushcutters Bay and Woolloomooloo carry the older apartment stock, with Centennial Park and Moore Park further out. South again, Redfern, Erskineville, Alexandria, Beaconsfield, Eveleigh, Waterloo, Rosebery and Zetland are where warehouse conversions and newer builds have replaced most of the old industrial stock, with St Peters and Forest Lodge rounding out the area.

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

Buying your first home
in inner Sydney?

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

0426 002 202 Let's meet

Your broker

Meet Ali Hasani

Ali Hasani, mortgage broker for Sydney Central

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.

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.

The interest only cliff.

An investor's interest only period was about to end, and the repayments were set to jump considerably. 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 a fraction of what it was, which bought them time to work on cash flow.

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. We found another lender whose policy fitted, got the approval and had funds in place in time. Had we not, the deposit was gone.

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 an inner Sydney 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 Central 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. 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 Central questions, answered

Why use a mortgage broker in Sydney Central?

Terraces with heritage overlays sit against warehouse conversions and new apartment blocks, and lenders read them differently. A bank can only show you its own rules. 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.

I am buying a terrace on its own title. Is that different from buying an apartment?

Yes, in how a lender assesses the building. A terrace on its own title has no strata report, no body corporate and no shared building risk to check. An apartment brings all three. Neither is harder to finance, but the checklist is different, and which lenders are comfortable with which type varies.

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. We check the current position against your price range before you start.

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. We check the current thresholds 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. That figure becomes the deposit on the next purchase, so you are not saving twice. Go past 80% and lenders mortgage insurance usually comes back into it.

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 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.

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. 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. We line that up before you make an offer.

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. If any one of those does not suit your property, you usually 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 Central 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 Central mortgage broker

A mortgage broker who knows inner Sydney.

Find your local mortgage broker

Buying your first homein inner Sydney?

Meet Ali Hasani

Founder & mortgage broker

How we helped

The guarantor they did not need.

The interest only cliff.

The settlement that nearly fell over.

Time to refinanceyour home loan?

What to know before you buy

Home loan pre-approval

Freestanding houses

Settlement day

Home loans for every Sydney Central 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 Central questions, answered

Your Sydney Central mortgage brokerYour home loan. Made simple.

A mortgage broker
who knows inner Sydney.

Buying your first home
in inner Sydney?

Time to refinance
your home loan?

Ready to buy
your next home?

Property deposit
calculator

Mortgage repayment
calculator

Home equity
calculator

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