Your mortgage broker for Baulkham Hills.

Nothing for you. We are paid a commission by the lender when your loan settles, as most Australian brokers are, and we disclose it before you go ahead. A loan review, refinance comparison or new purchase costs you nothing, and if the right answer is to stay with your current lender, we will tell you that.

Often, yes. Many lenders let you borrow up to 80% of your property's value without lenders mortgage insurance, so the gap between that figure and your current loan is your usable equity. With many Baulkham Hills homes held for years, that can fund a renovation or an investment deposit. A lender's valuation sets the final figure, and the new loan still has to suit your income and expenses.

If you have not reviewed your loan in two years, it is worth checking. Lenders often offer sharper rates to new customers than to existing ones, so a long-held loan can drift above what is available elsewhere. We compare your current loan with more than 50 lenders, including the costs of switching, and tell you plainly whether moving or asking your lender for a better rate makes more sense.

It depends on the numbers, and we can run both. Upgrading means stamp duty, agent fees and moving costs on top of a larger loan, while renovating is usually funded from equity, or for major works, a construction loan drawn in stages. We set out the borrowing, repayments and upfront costs of each so you can weigh them against what you want from the home.

No. The Metro North West Line runs through nearby Norwest, Bella Vista and Castle Hill but has no station in Baulkham Hills itself. That helps explain why the suburb is still mostly detached houses, at 75.4% of occupied homes in the 2021 Census. Lending here is mostly about established homes, equity and upgrades rather than new apartments.

The Hills Shire Council has exhibited a draft master plan for the Baulkham Hills town centre, sitting under its Hills Corridor Strategy. Because it is a draft, the scale and timing of any change are not settled. If you are buying close to the town centre, check the plan's current status with the council and factor it into how long you expect to hold the property.

Baulkham Hills and the suburbs around it, including Norwest, Bella Vista, Castle Hill, Kellyville and Winston Hills. Our office is in Norwest, which shares the 2153 postcode with Baulkham Hills, so meeting in person is easy. We also work with clients across Sydney and Australia by phone and video if that suits you better.

Send us your current loan details or book a free discovery call. Half an hour is usually enough to estimate your equity and borrowing power and to see whether a refinance, renovation loan or upgrade makes sense. You deal with the same broker from that first conversation through to settlement and the reviews that follow.