The Hills is Sydney’s family-upgrader belt and its construction heartland: established homes, new estates and new apartments near the stations.
Usually the finance for the purchase you cannot delay. Upgraders buying before selling need a bridging loan or a sale contract first; buyers building in a new estate need a construction loan that lasts until the land registers.
Getting that order right, before signing either contract, is most of the work.
Buying in Hills District? Yours could be next.
A free 30-minute call shows where you stand.
Book my free callQuick guarantor check
Two sliders. See what your parents would need to guarantee.
How a parent’s equity can stand in for the deposit, often with no LMI.
With a family guarantee covering that portion, you could potentially buy with your $30,000 and no LMI. Costs assume NSW first home buyer duty.
Limited to this portion, secured against the guarantor’s property, released once you reach 20% equity, subject to lender approval. Indicative only, not credit advice.
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I have had a number of dealings with Charles from Links Property Finance. He is very knowledgeable, thorough, and detailed with his advice. Importantly, he is very approachable and easy to deal with. His advice has been beneficial to myself and my acquaintances. I highly recommend him.
I honestly couldn’t recommend Links Property Finance and Charles highly enough. After speaking with others who weren’t able to help me, Charles went above and beyond to understand my situation…
Had a great experience with Charles. He made the home loan process straightforward, was always easy to communicate with, and really knew his stuff. Would definitely recommend Charles and the team!
Across the 4 suburbs on this page, separate houses are 75% of homes and 43% of households carry a mortgage. Larger loans, valuations on established homes and refinancing are the usual work.
separate houses NSW 65.6% · highest Kellyville (87.7%)
terraces and semis NSW 11.7%
apartments NSW 21.7% · highest Rouse Hill (25.4%)
rented homes NSW 32.6% · highest Rouse Hill (39.7%)
homes with a mortgage NSW 32.5%
private dwellings counted 4 suburbs on this page
Weighted by dwellings across the 4 suburbs this page covers. Source: ABS Census 2021, Suburbs and Localities.
Four things to ask any broker before you let them lodge an application for a home in the Hills District.
The usual starting points for Hills District borrowers.
Baulkham HillsCastle HillKellyvilleRouse HillThe Ponds
Distances and councils from each suburb's published profile; housing mix from ABS Census 2021 dwelling structure. Each suburb links to its own page with the local lending detail.
Charles Touma, Mortgage Broker.
The Hills District’s main public transport corridor is the rail line, with stations including Castle Hill, Hills Showground, Kellyville and Rouse Hill, running towards Epping, Chatswood and the city.
One. A conversation. Thirty minutes, no documents needed. Your income, equity and whether you plan to upgrade, build or buy near a station.
Two. The lender question. Construction, settlement valuations and larger loans each suit different lenders, so the file goes to one whose policy fits your plan.
Mostly mainstream lending: family houses on generous blocks, newer estates along the station, and a steady flow of knock-down rebuild and renovation activity.
First home buyers. Hills first buyers often choose between a newer apartment near a station and a house-and-land package further out, and each path has a different deposit and timing to plan around. First home buyer guidance · Check the 5% scheme.
In two linked stages: the land settles on registration with its own loan portion, then the build draws down in stages, slab, frame, lockup, fit-off, completion, against a fixed-price contract. Interest accrues on drawn funds only. The full guide.
Not the policy: an apartment beside the station is assessed on its building, size and strata record, while a house a few streets out is conventional security. Knowing which you are buying narrows the lender list to the ones that suit.
Common in the corridor, and survivable if planned for: approvals are refreshed rather than left to lapse, rate and policy changes are tracked so the file still services, and deposits stay put.
With two numbers: your usable equity, and what you can carry if buying precedes selling. Those decide whether bridging is comfortable, whether sell-first is smarter, and what price band is realistic. Run the equity calculator, then have the sequencing conversation before you engage agents.
They can be: they bring Hills addresses within first-home budgets, but young buildings have short strata records and settling levies, and off-the-plan purchases settle on a later valuation. The off-the-plan guide covers the purchase mechanics.
One free call covers what you could borrow in Hills District, the lenders that suit the property you want and the order to do things in.
Prefer a callback?Charles calls back within one business day. No documents needed yet.
Each page below describes the homes in that suburb, the questions lenders ask about them and where to start with the numbers.
General information only, not credit or financial advice. Lender policies and government scheme criteria differ and change over time. All lending is subject to individual assessment and approval.
