Mortgage Broker Kellyville | Kellyville Home Loans
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Home loans in Kellyville
A quiet, peaceful suburban area on Sydney’s north west outskirts, Kellyville has everything you need to feel at home. With plenty of walking tracks and neighbourhood parks, kids and adults alike will enjoy getting out in nature. The Bernie Mullane Sports Complex area is particularly popular, offering a well-equipped playground for the kids - including a water park! And when it comes to dining, Kellyville Village takes care of all your essentials and there are multiple delicious takeaway options to choose from. From Chinese food to burgers, there’s something to suit every taste. With all it has to offer, you certainly won’t regret buying your property in Kellyville!
The median house price in Kellyville was $1,733,000 across 2022, while the median apartment price sat at $720,750. Contact Alexander Hamid if you are ready to think about purchasing a home in this area.
How to avoid paying LMI
We understand how hard it can be to save up your house deposit, particularly when you are already renting or have dependents. However, if your deposit is less than 20% of the property purchase price, you will be subject to the significant additional cost of Lenders Mortgage Insurance (LMI) to secure your loan. But that isn’t the end of the road! Fortunately, there are still a couple of ways to avoid paying LMI and keep your costs low.
In order to avoid LMI, you will either need to continue saving up a 20% deposit or consider another pathway. For example, if you use a guarantor, you can bypass the extra cost while still offering a smaller deposit. Your guarantor is usually a close family member who can offer security on your loan should you be unable to make repayments. If this option is available to you, it can be a great solution to get you into the property market faster. There may also be some government assistance schemes that can offer you the same benefit, though they have strict eligibility criteria.
Alexander Hamid, your mortgage broker in Kellyville, can help examine your finances and determine which path forward would work best for your unique situation. He will do everything in his power to make your home-buying dreams a reality - you can count on him for the best advice.
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Talk to Alexander Hamid to start your home loan journey - call 0406 503 825
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