From house to apartment
If you buy your next place before selling, a short bridging loan or a deposit bond can help. Older borrowers need a clear plan for repaying the loan, which we help you document.
Mortgage broker for Castle Hill.
Castle Hill has some of the Hills district's highest house prices alongside a growing number of apartments around Castle Towers and the Metro. Whether you're upsizing, downsizing or investing, we find the lender and structure that suit you.
- Council
- The Hills Shire Council
- Postcode
- 2154
- Homes
- Established houses, plus apartments around Castle Towers
- Getting around
- Castle Hill Metro station, Castle Towers and Showground precinct
Many Castle Hill owners have held their homes for years and have substantial equity. Common goals are downsizing into an apartment, helping children buy, or using equity to invest, each with its own lending rules.
How we help in Castle Hill
Helping children buy
A family guarantee uses some of your equity to secure part of your child's loan, so they can buy without lenders mortgage insurance. We explain the risks to everyone first.
Using equity to invest
Release equity as a separate split for an investment purchase. Under tax changes passed in June 2026, new builds keep negative gearing, but established homes bought after 12 May 2026 lose it from 1 July 2027.
Units near the Metro
Apartments near the Metro are popular with first home buyers and downsizers. We check what duty and scheme help applies to your price.
First home buyers in Castle Hill
Apartments around Castle Towers and the Metro are the usual entry point. Up to $800,000 eligible first home buyers pay no NSW stamp duty, and up to $1 million they pay reduced duty. Above that, a 5% Deposit Scheme loan (to $1.5 million) or a family guarantee can still avoid mortgage insurance. See the first home guide →
How we work with you
- Appointments in person, by phone or by video
- Evening and weekend appointments
- We compare 50+ lenders and explain the trade-offs
- Our home loan service is usually free to you; lenders pay us when your loan settles
Common questions from Castle Hill clients
Can I get a loan if I'm over 55?
Yes. Lenders can't refuse because of age, but they do ask how you'll repay the loan if it runs past retirement, such as downsizing, super or other assets. We help you set that out clearly.
What is a deposit bond?
A guarantee you give the seller instead of a cash deposit, useful when your money is tied up in your current home. You still need the funds at settlement.
Can I use my home's equity without selling?
Usually yes, up to 80% of its value without mortgage insurance, as long as you can afford the repayments and the purpose is acceptable to the lender.
Nearby areas
General information only, not credit or financial advice. Government scheme and duty figures are as at 1 July 2026; check current details with Revenue NSW and Housing Australia. Every lender has its own criteria and approval is never guaranteed.
Buying or refinancing in Castle Hill?
Book a free chat. We'll work out your options and what you can borrow.