Western Sydney mortgage broker

Western Sydney mortgage broker

A mortgage broker
who knows Western Sydney.

From a Mount Druitt house to a Parramatta tower, the deposit is where most people get stuck, and there are more ways around it than most are told. We compare more than 35 lenders and it costs you nothing.

35+
Lenders
10+
Years experience
1,000+
Clients helped
$0
Cost to you

Find your local mortgage broker

Centred on Parramatta, the region's second CBD, the tower stock runs through Westmead and Northmead alongside the health precinct. East of that, Auburn, Lidcombe and Granville sit along the rail line, with Guildford, Greystanes and Merrylands further south, and Fairfield at the edge. West of Parramatta, Wentworthville, Pendle Hill, Toongabbie and Constitution Hill run out towards Blacktown, the other major hub, with Mount Druitt and Rooty Hill further out again.

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

Buying your first home
in Western Sydney?

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

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.

How we helped

Three real situations, and what actually happened in each one.

They stopped chasing 20%.

A young couple had been saving for years and still felt behind, because the target kept moving as fast as they did. They had 5% and assumed that meant waiting. It turned out they were eligible for the government 5% deposit scheme, so they bought with the deposit they had and kept the rest of their savings for moving costs and a buffer.

Help from Mum and Dad, without the cash.

A first home buyer had steady income but a small deposit after years of rent. Their parents wanted to help and did not want to hand over a large sum. We used a limited guarantee against part of the parents' equity, which meant no lenders mortgage insurance and no money changing hands. A few years on, the guarantee was released and the parents were off it entirely.

Having 40% does not mean using 40%.

A buyer arrived with a 40% deposit expecting approval to be the whole conversation. The more useful question was how much of it to actually put in. After talking it through with their accountant they used 20%, enough to avoid mortgage insurance, and left the rest sitting in an offset account.

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 more than 35 lenders. If switching saves you money we will show you the numbers, and if it does not we will tell you that too.

What to know before you buy

Three free guides covering how a Western Sydney purchase actually runs, from your first dollar saved to settlement.

Read the free guides in the Loan Vault to know how the home buying process works in NSW.

Home loans for every Western Sydney 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.

Home loans by profession

Some lenders drop lenders mortgage insurance for certain jobs, and the Westmead Health Precinct sits in the middle of the region. 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.

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.

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."

Western Sydney questions, answered

Why use a mortgage broker in Western Sydney?
The deposit is where most people here get stuck, and there are more ways around it than one bank will show you. Government schemes, guarantor loans and lenders that price mortgage insurance very differently all sit on the same shelf, and no single bank offers all of them. Brokers also have a legal duty called the Best Interests Duty, which means we have to put you first.
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.
How does a guarantor loan work?
A family member, usually a parent, offers part of the equity in their property as extra security for your loan. No money changes hands. What it does is lift the lender's overall security position, which can remove lenders mortgage insurance entirely and let you buy with a much smaller deposit.
What counts as genuine savings?
Most lenders want to see that part of your deposit was saved by you over time, usually at least three months in your own account. A cash gift often does not count on its own, though many lenders accept it once it has sat in your account long enough.
What is LMI and when is it worth paying?
Lenders mortgage insurance is a one off cost you pay when you borrow more than 80% of what a place is worth. It is genuinely worth weighing rather than avoiding on principle, because waiting two more years to save the difference has its own cost if prices move.
Do lenders treat Parramatta and Blacktown apartments differently?
Some do. Newer high rise around Parramatta and Blacktown can count as high density with certain lenders, which caps how much they will lend on a unit there. Send us the address before you make an offer.
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.
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 fee, though plenty waive them. If you are on a fixed rate there can be break costs.
Should I use my bank or a mortgage broker?
A bank can only offer its own loans and its own rules on deposits. If it does not write government scheme loans, or does not do guarantor loans the way you need, it will simply tell you to come back when you have saved more. Buyvest compares more than 35 lenders at $0 cost to you.

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

Free check. No pressure. More than 35+ lenders compared at $0 cost to you.