Links Property Finance · Free calculator from a Sydney mortgage broker: First Home Buyer Report
A free first home buyer report on your deposit position, buying costs and next steps. No credit check.
No credit check · Takes a few minutes · Indicative only · No obligation to speak with a broker
What could a 5% deposit get you?
What could a 5% deposit get you?
No LMI: an estimated $22,800 premium avoided (a broad guide; real premiums vary by lender and loan).
Stamp duty: $0 for eligible NSW first home buyers (saves $30,187).
Indicative only. The deposit excludes stamp duty, legal and inspection costs, and a participating lender, not this calculator, confirms 5% Deposit Scheme eligibility.
Confirm your numbers.
What could buying your first home look like before you start searching?
The report shows your deposit position against your target price, the stamp duty and costs on top, which schemes may apply, and your next three steps.
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Answer a few questions about your income, savings and plans; it takes about two minutes, and the figures are indicative, not an approval.
Part of the first home buyer loans guide.
Recent Links clients, including first home buyers
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Sold. Her first home. Deposit, scheme and lender, sorted. -
Bought, and all smiles. A family purchase in Sydney’s south-west. -
Next one
Your keys could be next.
One short call tells you what you can borrow and what to do first.
Book my free call
Charles Touma from Links Property Finance was a great help with buying my first home. I had plenty of questions and he took the time to explain things clearly without making me feel rushed. He kept me updated throughout and made the process much less stressful. Really appreciated his patience and would happily recommend him to other first home buyers.
Charles and the team at links property finance recently assisted me with my purchase of my first property in Burwood. As a first home buyer, Charles made the process simple and easy. I would recommend Charles to all first home buyers
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.
Step 1 of 10
What are you planning to buy?
Where are you looking?
A rough target is fine, the report shows what it would take.
Are you buying by yourself or with someone?
How is the main income earned?
Is any of this expected to come from: choose any
Any student debt (HECS/HELP)?
Rent, food, transport, utilities, subscriptions, insurance, general spending. Everything except loan repayments.
How many financially dependent children or other dependants?
When are you hoping to buy?
What are you most unsure about?
Indicative and educational only. This is not credit advice, loan approval or a lender‑assessed borrowing capacity, and it does not determine eligibility for any government scheme. Lender assessments can vary materially.
This is not lender‑assessed borrowing power. Different lenders can produce materially different results based on income treatment, expenses, liabilities and policy.
How do I work out my deposit position?
Estimated buying costs
Pathways worth investigating
Eligibility for any government scheme is assessed by the scheme administrator and your lender, never by a website. Sources: Housing Australia · Revenue NSW · ATO.
Repayment snapshot
Actual rates and repayments depend on lender, product and final approval. The example rate is not an offer.
Reading your position
Your next three steps
Results are estimates based on limited information and are not credit advice, loan approval or a lender-assessed borrowing capacity. Actual lender assessment can vary materially. Eligibility for government schemes must be confirmed separately with the scheme administrator and your lender.
Email me my full report
A branded copy of this report, with your numbers, pathways and next steps, ready to save or share.
Sent. Check your inbox. Your full report is on its way.
Have Charles review my position
A website gives an indicative picture. A broker checks lender policy, verifies the numbers and tells you what’s realistic. Charles receives your report so you never explain it twice.
Done. Charles has your report and will be in touch personally.
What’s in the report
A clear read on where you stand: strong start, getting close, or preparation first.
Your savings against 5%, 10% and 20% deposits at your target price.
Stamp duty, conveyancing, inspections and the buffer most people forget.
Which government schemes may be worth investigating, from official sources.
Your strongest position, your biggest constraint, and why it matters.
Three personalised actions based on your timeframe, not generic advice.
Questions about the report
What is in the report?
A written summary of your deposit position, what a purchase at your target price would cost including duty and fees, which government pathways may fit your circumstances, and a clear next step. It is written for your situation rather than generated from a template.
Does it cost anything?
No. It is free, there is no credit check, and nothing is lodged with any lender. You are not signed up to anything by requesting it.
Is this the same as pre-approval?
No. Pre-approval is a lender's conditional assessment of your application. The report is an independent picture of where you stand and what your options are, which is what most people need before they get anywhere near a lender.
How long does it take?
You answer a few questions, and Charles follows up within one business day. The report itself is prepared once he understands your circumstances, which usually means a short conversation rather than a form alone.
The free First Home Buyer Guide
A free guide to the deposit, the schemes, the costs and the steps between offer and keys.
Free · No obligation
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General information only, not credit or financial advice. Lender policies and government scheme criteria differ and change over time. All lending is subject to individual assessment and approval.
Official sources for the figures on this page: Housing Australia, Australian Government 5% Deposit Scheme · Revenue NSW, First Home Buyers Assistance Scheme. Scheme rules change; the official pages are the final word. Checked against these sources on 12 October 2026.
