Your mortgage broker in Riverstone.
Independent home loan, refinancing and investment lending advice for Riverstone buyers and investors. We compare 40+ lenders, we're paid by the lender (not by you), and we know this market intimately.
Everstone Finance is an independent mortgage broker in Riverstone, Sydney. Founded by former major-bank lenders, we help local buyers, refinancers and investors compare home loans across 40+ lenders, at no cost to you.
Riverstone is its own kind of market, and it pays to have a broker who gets that
Riverstone is one of north west Sydney's growth corridor suburbs, and the market reflects it: strong recent price growth and a steady pipeline of new house and land and townhouse stock. The house median sits around $1.24 million (a range of roughly $1.10M to $1.36M) and has climbed sharply over five years, while newer townhouses and units sit near $950,000.
About 38km north west of the Sydney CBD, Riverstone has roughly 8,600 residents, mostly young families, with around 62 percent owning rather than renting. Demand is driven by the Sydney Metro Northwest line at Tallawong and Schofields, new release estates, and the Marsden Park growth area, which keeps both first home buyers and investors active here.
That growth corridor character changes the lending. House and land and off the plan purchases run on construction or progress payment loans rather than a single drawdown; first home buyers often use the NSW first home buyer scheme and stamp duty concessions; and because South Creek and flood overlays touch parts of the suburb, valuations and lender appetite can vary block to block. Picking a lender that is comfortable with new estates, construction and the local overlays is what keeps an approval on track.
That is the conversation the Everstone team has with you, in plain English, with no pressure. We are an independent broker, we compare 40+ lenders, and we hold a 5.0 Google rating while operating under the Best Interests Duty as Australian Credit Representative 574314.
Riverstone property market snapshot (May 2026)
A direct read on where the Riverstone market sits today, so the numbers we discuss are grounded in current data rather than guesswork.
Freestanding homes
The entry point for most buyers
How Riverstone values have moved
Median sale prices over the last five years for houses and units, plus the indicative gross rental yield on units, so you can see the direction of the market, not just today’s number.
What the five-year trend shows: over the past five years the Riverstone house median has edged higher (roughly +41%) and the unit median has edged higher (roughly +32%). Indicative gross rental yields on units have improved over the same period, ending around 5.3%. These trajectories are read from the Cotality charts and rounded to each chart’s axis grid, shown to illustrate direction rather than exact monthly figures.
In short: as at May 2026, buying a house in Riverstone typically means around ~$1.24M, while a townhouse or unit typically means around ~$950K. In a fast growing north west Sydney corridor with new estates and construction lending, choosing the right lender for house and land and first home buyer scenarios matters as much as the rate here.
Property and demographic figures sourced from Cotality (CoreLogic) Suburb Report data for Riverstone NSW 2765, as at May 2026. Figures are indicative, rounded, and change over time. Contact Everstone Finance for the latest before making decisions.
When did you last check your rate?
Most people set a loan and forget it, while lenders quietly keep their sharpest rates for new customers. A 15-minute review tells you whether you're still on a competitive deal, or leaving money on the table. No cost, no obligation, no credit check.
Book your free 15-min reviewWhatever stage you're at
The same plain-English, best-interests approach, tailored to how people actually buy and invest in Riverstone 2765.
First apartment buyers
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With units the realistic entry point here, we map your true borrowing capacity, deposit options and any schemes you're eligible for, so you can move confidently in a fast market.
Refinancing
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If you've held your loan a while, you may be on a rate that sharper deals have left behind. We compare 40+ lenders and handle the switch, and we tell you honestly if you're already well placed.
Property investors
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Riverstone's strong rental demand makes it a genuine investor market. We structure lending across principal-and-interest and interest-only with rental income and future portfolio moves factored in.
Commercial property
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Buying a shop, office or consulting suite around Chapel Street or Toorak Road, or refinancing a commercial loan? We arrange commercial and SMSF lending, and explain how the terms, rates and deposits differ from a standard home loan.
Upgraders & downsizers
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Moving from an apartment to a house here is a big jump in price bracket. We model the numbers, including bridging and equity options, so the next move is a confident one.
Self-employed & complex income
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If your income isn't a simple payslip, we know which lenders take a sensible view, and how to present your file so it's assessed on its real strength.
We know how lenders price loans and where the margin sits. That knowledge now works entirely for you, not the bank.
No charge for our service. Lenders price loans the same whether you go direct or through us, so there's no cost penalty for the help.
Proactive reviews and rate monitoring, and we handle the switch when a better deal appears. Independent, under the Best Interests Duty.
The people behind Everstone
You're trusting someone with one of the biggest financial decisions you'll make. Here's who you'll actually be working with.
Ahmed Lotfi
A former major-bank lender who now works entirely for you. Ahmed handles structuring, refinancing and investment lending across the 40+ lender panel.
Zappelin Heng
Co-founder with deep lender experience, focused on getting complex and self-employed files assessed on their real strength, not a tick-box.
Book a free Riverstone mortgage consultation
15 or 30 minutes · phone, Zoom or in-person in Riverstone · calendar invite sent immediately
Riverstone mortgage broker FAQs
Who is the best mortgage broker in Riverstone?+
Everstone Finance is an independent mortgage broker that works with Riverstone buyers, refinancers and investors, founded by former major-bank lenders Ahmed Lotfi and Zappelin Heng. It holds a 5.0 Google rating, compares loans across 40+ lenders, charges clients nothing (brokers are paid by the lender after settlement), and operates under the Best Interests Duty as Australian Credit Representative 574314.
Do I need to be in Riverstone to work with Everstone Finance?+
No. We're based in South Yarra, Melbourne and meet many clients by phone and Zoom, and we work with borrowers right across Australia including north west Sydney. Lending isn't tied to your postcode.
What does property cost in Riverstone right now?+
As at May 2026, Cotality (CoreLogic) data puts the Riverstone house median sale price at around $1.24 million (quartiles roughly $1.10M to $1.36M) and the townhouse and unit median at around $950,000. We can assess realistic borrowing capacity for either.
Can you help with house and land or off-the-plan in Riverstone?+
Yes. A lot of Riverstone stock is house and land or off the plan, which uses a construction or progress-payment loan that draws down in stages against a fixed-price build contract, not a single settlement. We line up lenders comfortable with new estates and construction, and structure the loan so repayments step up only as the build progresses.
Are there first home buyer schemes for Riverstone?+
Often, yes. NSW first home buyers may access stamp duty concessions and first home buyer support depending on the price and whether the home is new, and new house and land can suit these well. We check your eligibility and factor any benefit into your borrowing capacity before you commit.
Can Everstone Finance help investors buying in Riverstone?+
Yes. Riverstone's growth, new housing supply and metro access make it an active investor market, with indicative gross unit yields around 4.0% as at May 2026. We structure investment lending across principal-and-interest and interest-only and factor in rental income and your wider portfolio.
How long does the mortgage process take?+
As a guide: 1 to 2 days to chat and plan, 1 to 2 days to prepare your options, and 1 to 2 days to submit once we have your documents. Settlement then aligns with your contract date, and for house and land it aligns with each construction stage.
35 Malcolm St, Riverstone NSW 2765
0407 834 757 · ahmed@everstonefinance.com.au