Buying before you sell
Bridging finance lets you buy your Kellyville home before selling your current one. We work out the peak debt and the end loan before you sign.
Mortgage broker for Kellyville.
Kellyville is a family suburb with bigger homes and bigger loans. At these price points, choosing the right lender can mean tens of thousands of dollars in borrowing power or interest. We compare 50+ lenders so you don't have to.
- Council
- The Hills Shire Council
- Postcode
- 2155
- Homes
- Mostly larger family houses, some units near the Metro
- Getting around
- Kellyville Metro station and Old Windsor Road bus corridor
Houses here are among the Hills district's larger and pricier homes, so buyers often need large loans, and many are upgrading from a smaller home nearby. That makes loan size limits, how lenders assess your income and bridging finance more important than the headline rate.
How we help in Kellyville
Borrowing over $1.5 million
Not every lender is comfortable with large loans or a high debt-to-income ratio. We find the ones whose policy fits your income and commitments.
Avoiding mortgage insurance
The 5% Deposit Scheme cap is $1.5 million, so many houses here are above it. A family guarantee or a professional package with waived LMI can be the next best option.
Refinancing and restructuring
Split your loan, add an offset or release equity for a renovation. We look at the whole structure, not just the rate.
First home buyers in Kellyville
Kellyville can be a stretch for first home buyers, but units and townhouses near the Metro are a common way in, and NSW stamp duty concessions apply up to $1 million. A family guarantee is a common way to buy here without a 20% deposit. 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 Kellyville clients
What is the biggest loan I can get?
It depends on your income, living costs, existing debts and the lender. Lenders also test your repayments at a rate about 3% above the actual rate. We run your numbers through several lenders' calculators to find the realistic maximum.
How does bridging finance work?
The lender lends against both properties for a set period, usually 6–12 months, while you sell. When the sale settles, the proceeds pay down the loan to the final amount.
Can a professional package waive mortgage insurance?
Some lenders waive LMI for certain professions, such as doctors, lawyers and accountants, up to a set loan-to-value ratio. We check whether your occupation qualifies.
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 Kellyville?
Book a free chat. We'll work out your options and what you can borrow.