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Neeraj Malhotra

Mortgage Broker Hornsby | Hornsby Home Loans

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Mortgage broker Hornsby

Bordered by the scenic Berowra Valley National Park on one side, the suburb of Hornsby is the perfect mixture of tranquillity and city benefits. The Hornsby Westfield caters to all your shopping needs, and with a handy train station, your commute has never been easier! And for families, a selection of quality schools are at your fingertips. On the weekend, spend a lazy day enjoying nature at Lisgar Gardens, followed by a delicious meal at one of the many fantastic restaurants in the region. When you live in Hornsby, you certainly won’t be disappointed!

The median house price was $1,550,000 in Hornsby in 2022, while the median apartment price sat at $670,000. If you’re thinking about buying a property in the area, get in touch with Neeraj Malhotra today to talk more.

Using a guarantor to buy a home

We know it can be difficult to save for a deposit that’s worth 20% of the property price, especially if you are already renting a home or have dependents. This can mean that you are either stuck in savings limbo trying to put the cash together, or have to pay the considerable cost of Lenders Mortgage Insurance (LMI). Fortunately, there is a way to get into the property market with a small deposit while still avoiding LMI: using a guarantor. 

Your guarantor, who is usually a close family member such as a parent, acts as security on your loan instead of LMI. This is not a decision to take lightly, however, since your guarantor will be responsible for your loan if you cannot pay your mortgage. For this reason, it’s important to get advice from Neeraj, your trusted mortgage broker, about your financing options. Neeraj will walk you through all the pros and cons of using a guarantor so that you can be fully informed about your decision. Talk to him today to learn more.

Property resources

Learn more about property and finance with our range of free guides - they have all the information you need to succeed in your journey.

Talk to Neeraj Malhotra on 0423 025 900 to get started on your home loan journey

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