Mortgage Broker Hills District
A local mortgage broker for the Hills District, covering Castle Hill, Kellyville, Baulkham Hills, Bella Vista, Rouse Hill, The Ponds, Glenhaven and Beaumont Hills.
We compare a wide range of lenders to find the right home loan for Hills District property prices, including high-LVR options, jumbo lending for premium homes, and refinancing for households who've outgrown their original rate.
Why a Hills District specialist matters
The Hills District is one of Sydney's strongest premium markets, median house prices in Castle Hill and Kellyville sit well above $1.8M, with new estates in The Ponds and Box Hill regularly transacting above $1.5M. Standard lender policies often don't fit cleanly here.
Loans in this bracket frequently trip on LVR caps, postcode restrictions and security policies that vary lender by lender. A broker who knows the Hills well knows which lenders will lend confidently against The Ponds new builds, which will fund a Castle Hill knock-down rebuild, and which will accept Bella Vista off-the-plan with the right valuation.
Loans we arrange across Hills District
Premium home loans & jumbo lending
Loans above $1.5M with the right lender mix, including private-bank options when policy or pricing genuinely suit the borrower.
Refinancing established Hills mortgages
Most Hills households we meet are 60–120 basis points above market on a loan their bank quietly stopped competing for. We compare a wide range of lenders and handle the switch end-to-end.
New estates & house-and-land
Construction loans for The Ponds, Box Hill, Rouse Hill and Kellyville new builds, including progress payment management.
Investment lending across the Hills
Equity release, second-property strategy, and lenders that price investor loans sharpest for Hills District security.
Upsizing within the Hills
Bridging finance and simultaneous-settlement structuring so you can move from a Kellyville townhouse to a Castle Hill family home without the timing breaking.
Suburbs we cover
- Castle Hill mortgage broker, Premium family homes, strong school catchments
- Kellyville mortgage broker, Family-focused, strong owner-occupier demand
- Baulkham Hills mortgage broker, Established premium, large land
- Rouse Hill mortgage broker, Metro-connected, mixed new + established
- The Ponds mortgage broker, New estate, house-and-land popular
Hills District home loan questions
Do you meet with Hills District clients?
Most of our Hills clients prefer video calls in the evening, we work around school pickup and Hills commute times. Appointments by phone, video, or in-person across the areas we serve. Our registered office is in Gladesville.
What's the typical loan size you write in the Hills District?
Most Hills District loans we write sit between $850K and $2.4M, with a meaningful share above $2M for Castle Hill, Bella Vista and Baulkham Hills upgraders. We're comfortable across the full bracket, including jumbo and private-bank-style structures.
Which lenders are sharpest for Hills District borrowers right now?
That changes monthly, and depends on whether you're a PAYG upgrader, a self-employed business owner, or an investor. We benchmark live across a wide range of lenders for every file rather than recommending a single bank.
Do you charge Hills District clients a broker fee?
No. We're paid commission by the lender after settlement, and we disclose the exact dollar amount upfront. You don't pay us a fee. Lender, government and third-party fees still apply and we explain every cost.
Book a free 15-minute call with Oshy Finance — no broker fee charged to you.