Links Property Finance · Mortgage broker in Sydney: Borrowing Power Assessment

No, the assessment stage involves no credit check and no obligation. A credit check only happens later, if and when you apply with a lender.

Far more reliable than an online calculator, because it’s built on verified documents and real lender policy, but it’s still a range, not an approval. The lender always makes the final decision.

Usually a few days once your documents are in: we verify income and expenses, model you across the panel, and talk you through the result.

The calculator applies general assumptions to numbers you type in. An assessment checks your actual income evidence, your real commitments and your credit position against the written policy of specific lenders.

One gives you a range to plan with; the other gives you a figure you can make an offer on.

No. The conversation is free, and if you go ahead with a loan, the broker fee is $0 on most loans.

Three settings mostly: the assessment rate they test your repayments at (the serviceability buffer), the minimum living expenses they assume (usually HEM), and how much of any variable income they count. Each lender sets its own, and together they routinely move the same household's figure by six figures.