Terrey Hills mortgage broker

Terrey Hills mortgage broker

A mortgage broker
who knows Terrey Hills.

Home loans in Terrey Hills 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 Terrey Hills

Each one runs differently here, because Terrey Hills is semi-rural, with large blocks, acreage and horse properties that lenders treat differently from a standard house.

First home loans in Terrey Hills
Terrey Hills is semi-rural with large blocks and almost no apartments, so a first home here usually means a house on substantial land, a big step. The Australian Government 5% Deposit Scheme has a property price cap in NSW that many Terrey Hills homes sit above, so a family guarantor loan is often the more useful route. On larger or rural-residential blocks, how a lender treats the land matters too, and we will make sure the property and the lender actually fit before you commit.
Buying your next home in Terrey Hills
Many Terrey Hills moves are buyers seeking space, a bigger block or an acreage property with room for horses. Larger and rural-residential land is not treated the same by every lender, so the choice of lender matters as much as the numbers. The loan is usually built around one sale and one purchase, and bridging finance covers the gap when they will not line up. We work the borrowing around your whole position and the kind of property you are after.
Investment property loans in Terrey Hills
Terrey Hills is a lifestyle and space market rather than a high yield one, with house yields under 3% and limited rental stock. Lenders count expected rent towards what you can afford, but on low yields and larger properties your own income carries most of the assessment. Many owners here use their Terrey Hills equity to invest in higher yielding areas instead. Structure and tax matter, so it is worth a word with your accountant early.
Refinancing a Terrey Hills home loan
Properties here are often larger and higher value, so a small rate difference is worth real money each year, and many loans have not been repriced since they settled. Equity can fund a renovation, a deposit on another purchase, or the release of a parent's home still sitting as security. 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 the loan is left alone.

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 Terrey Hills property with less than a 20% deposit, though on larger and rural-residential land the options narrow, so it is worth understanding them before you look. We can walk you through it.

0426 002 202 Let's meet
About Terrey Hills

What the 2084 market actually looks like

History of Terrey Hills
Terrey Hills takes its name from early landholders Samuel Hills and Obediah Terrey. It sits on the high bushland plateau above the beaches, bordering Ku-ring-gai Chase National Park, and has kept a semi-rural character to this day, with large blocks, horse properties, nurseries and a small village at its heart.
Terrey Hills property market
Terrey Hills is a semi-rural house market. Large blocks, acreage and horse properties on leafy land trade rarely and make up almost all sales, with virtually no apartments. The space, the privacy and the bushland setting keep demand firm among families wanting room, though the market stays small and tightly held.
Terrey Hills property prices
Houses sit around $2.3 million, with only around 32 sold in a year, a small and tightly held market, and sizes range from standard blocks to full acreage. Units barely exist. Yields are under 3%, so this is a lifestyle and space market rather than an income one, and the variety of land sizes makes any single figure a rough guide.
Borrowing in Terrey Hills
On acreage and rural-residential land, lenders differ a lot, some cap the land size they fund, some value it cautiously, and some treat it as rural rather than residential, which changes the deposit and the loan. A standard house on a normal block is more straightforward. Send us the address before you offer.

Whether it is a standard house or an acreage property, we know which lenders are comfortable with each, here and across the Northern Beaches.

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, Terrey Hills mortgage broker

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 Terrey Hills

Three real situations, each one about financing land that lenders look at differently.

Acreage that needed the right lender.

They were buying a Terrey Hills property on several acres with a stable, and their own bank balked at the land size and the rural feel. Nothing was wrong with the buyers or the property. We took the file to a lender comfortable with rural-residential land of that size, which valued it properly and funded it as a residential loan rather than a rural one. The land size that stopped one bank was routine for another. On acreage, the lender is the whole game.

A guarantor into a bush block.

A first home buyer wanted a house on a bush block in Terrey Hills, but a house on land put the deposit out of reach for a while. Their parents offered to help, so we set up a family guarantor loan using a limited slice of the parents' equity as extra security. That let them buy with a smaller deposit and no lenders mortgage insurance, and we structured it so the guarantee could be released later once they had built enough equity of their own.

A valuation that reflected the land.

An owner wanted to release equity from their Terrey Hills acreage for a renovation, and their lender's valuation came back low, not really accounting for the land. We moved the review to a lender whose valuer understood rural-residential property in the area, and the figure came back materially higher, freeing up the equity they needed. On larger blocks, the valuer's familiarity with the land can be worth a great deal.

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 Terrey Hills 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 Terrey Hills 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

Terrey Hills 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, though Terrey Hills is a challenge for a first home, because it is semi-rural with large blocks and acreage and almost no apartments, so entry level stock is scarce. First home buyer schemes, professional insurance waivers and guarantor options can each reduce the deposit you need, and a family guarantor loan often helps most here. On larger or rural-residential blocks, the way a lender treats the land also matters, so it is worth understanding that before you commit. The rules change over time, so the best next step is a quick call where we go through your situation.
Can you help me buy my next home?
Yes, and it is a lot of what we do in Terrey Hills, where many buyers are families moving to more space, a bigger block or an acreage property. Larger and rural-residential land is not treated the same by every lender, so which one you use matters, and the loan is usually built around selling one home and buying another. Whether you sell first or buy first changes the structure, with bridging finance covering the gap. Give us a call and we will map the approach that suits your plans and the kind of property.
Can you help me refinance?
Yes. Terrey Hills properties are often larger and higher value, so even a small rate difference adds up over a year, and many loans here have not been reviewed since they settled. A refinance is the moment to look at the rate, the structure and the years left on the loan together, not just the front number. On acreage and rural-residential land the valuation can vary between lenders, so rather than quote something that dates fast, the best step is a call where we compare your loan against 35+ lenders.
Can you help me access equity or get a better rate?
Yes. If your Terrey Hills 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, and on acreage and larger blocks the valuation can vary quite a bit between lenders. Because of that, the most useful thing is a quick call where we work out what is genuinely available to you today rather than an estimate off a website.
Can you help me buy an investment property, using equity or cash?
Yes. An investment purchase can come from cash, from equity in a property you already hold, or a mix of both, and the structure matters for keeping things clean and for tax later. Terrey Hills itself is more a lifestyle and space market than a high yield one, so many owners here use their equity to invest in higher yielding areas rather than in the suburb. Loop your accountant in on the tax, and call us on the lending so the structure is right from day one.
Do you offer digital appointments and virtual meetings?
Yes. Being semi-rural and away from the train line, many Terrey Hills clients prefer to meet by phone, Zoom or Teams, which saves a trip, and we can run the whole loan that way, from the first chat to settlement, with documents handled securely online. If you would rather meet in person we come to you, including evenings and weekends. Get in touch and we will set up whichever way of meeting works best for you.

Your Terrey Hills 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

Terrey Hills does not sit on its own. It sits on the plateau beside Belrose and Duffys Forest, with Frenchs Forest to the south and the beaches running down through Dee Why and Brookvale. Killarney Heights and Seaforth sit towards the harbour, and Mona Vale lies over the ridge on the peninsula. We cover all of them, so if your search shifts a suburb or two, you are not starting from scratch.