Your first home. Made possible.
Sydney’s first home buyer mortgage broker. Your budget, deposit and next step in two minutes.
Can I afford to buy?
Every first home buyer starts here.
That is where we start.
Your borrowing position, before you make offers.
Know where you stand before you start searching.
Rent, bills, food, transport, subscriptions, everything except loan repayments.
Car loans, personal loans, card repayments. Skip if none. Student loans are the next question.
No need to estimate a repayment. Compulsory HELP repayments are worked out from your income, so we do the same.
Estimated buying range
See how this is worked out
Want an accurate snapshot?
Send this to Charles with your details and he will check your real position across lender policy, deposit options and first home buyer pathways.
Thanks, your snapshot is on its way to Charles. He will be in touch within one business day.
Or Book a 20‑Minute CallIndicative only. Results are estimates based on limited information and are not credit advice, loan approval or confirmation of eligibility. Your actual borrowing position depends on lender assessment criteria and your full financial circumstances.
70+ lendersBanks, non‑banks and specialist lenders, compared for your situation.
One broker.
First call to keys.
Explain your situation once. Charles handles it from the first call to the keys, and every year after.
Real outcomes for real borrowers.
As a first home buyer, I was pretty overwhelmed at the start, but Charles made everything much easier. He explained the process step by step and helped me understand my borrowing options. His professionalism and responsiveness were excellent.
Paperwork and finances were never my strong suit. He has made this process as simple and dummy proof for me as humanly possible. This is not the first time I use a mortgage broker, however it was the easiest and most pleasant.
Charles looked after us really well and his knowledge gave us the confidence to purchase our property. He wasn’t pushy and always ensured we felt comfortable with the repayments.
Charles went above and beyond to help us secure our home loan. He worked hard to find the best option for us and kept us updated throughout the whole process. His knowledge of the lending market was impressive and he made everything straightforward.
Highly recommend Charles! Professional, knowledgeable and very easy to work with. He helped us navigate the home loan process and found a great solution that suited our needs. Excellent service from start to finish.
I found Charles and Links Property Finance very prompt and professional to deal with. Made it all so easy.
The government 5% deposit scheme
Buy with a 5% deposit.
For eligible first home buyers, the deposit drops from 20% to 5%, with no lender’s insurance to pay.
Five steps. Keys in hand.
- 1
20‑minute conversation
Where you’re at, and what’s realistic.
Day 1 - 2
Borrowing assessment
Your real number, verified properly.
Days 2–5 - 3
Pre‑approval
A clear buying range, subject to the lender.
Weeks 1–3 - 4
Find the home
We re‑check the numbers before you commit.
Your pace - 5
Approval & settlement
Formal approval through to keys.
4–6 weeks
Ready when you are
Your dream. Our numbers.
Know where you stand before you make an offer.