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Mortgage Broker Concord West

Links Property Finance · Home loans in Concord West and across Sydney: Mortgage Broker in Concord West

Concord West is quiet streets, full blocks and families planning their next decade.

Reviewed by Charles Touma Updated 18 October 2026

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Charles Touma, mortgage broker at Links Property Finance

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Rebuilding or extending in Concord West: how does the construction loan work?

The lender values your land plus the finished home under a fixed-price contract, then pays the builder in stages after each inspection, and you pay interest only on what has been drawn.

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Approvals, the contract and somewhere to live during the build are settled before the first drawdown.

A house with a wide front verandah
Of Concord West's homes, 78.8% are houses, 7.9% terraces and semis and 11.9% apartments (ABS Census 2021).

What Concord West is built of

Houses are 78.8% of the stock in Concord West. A house on its own title is the simplest security a lender takes, and the land carries most of the value. Most of Concord West owns rather than rents, with only 24.7% of homes leased. Households tend to stay put, so listings are fewer and being pre-approved before you look matters more than usual.

  • Postcode2138
  • CouncilCity of Canada Bay
  • From the Sydney CBD16 km west
11.9%

apartments NSW 21.7%

78.8%

separate houses NSW 65.6%

7.9%

terraces and semis NSW 11.7%

24.7%

rented NSW 32.6%

30.0%

with a mortgage NSW 32.5%

2,270

private dwellings

Source: ABS Census 2021, Suburbs and Localities (SAL11000).

A row of red-brick terraces

What a lender would lend you in Concord West

How much could you borrow?

$140,000
None

What moves the number

Choose any that apply. Each shows roughly how much it changes the figure, the way a lender’s assessment would.

$635,000

is an indicative borrowing figure at today’s typical rates. Lenders typically count around 80% of rental income, which is why an investment purchase can lift your number, your real figure comes from a proper assessment.

Confirm your numbers.

Charles Touma, mortgage broker at Links Property Finance
5.0 from 32 Google reviews

Real outcomes for real borrowers.

★★★★★
Had a great experience with Charles at Links Property Finance. He made the whole home loan process straightforward and easy to understand, kept me updated throughout and was always quick to answer any questions.
Louie Google review
★★★★★
I have had a number of dealings with Charles from Links Property Finance. He is very knowledgeable, thorough, and detailed with his advice. Importantly, he is very approachable and easy to deal with. His advice has been beneficial to myself and my acquaintances. I highly recommend him.
Joseph Google review
★★★★★
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.
Anthony Google review

Talk to a broker about your Concord West home loan

Bring the Concord West plan, the purchase, the build, the switch, and leave with the lending mapped: which lenders fit, what it costs monthly and what to do first. Free, no obligation.

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A family in front of the sold sign at the home they bought together

Charles Touma, mortgage broker at Links Property FinanceCharles Touma, Mortgage Broker.

A family suburb that rebuilds itself

A family on the porch of their home
  • Links Property Finance serves Concord West as part of our Inner West service area, phone, video, in person when it helps.No local office, no claims of one.
  • Between Queen Elizabeth Park and the rail line, the housing stock is largely post-war homes on generous land.Increasingly, the land is the point: families buy for the block and rebuild for the decades, which makes construction finance the suburb’s quiet specialty.

Construction loans are a different product

A family together in their backyard
  • An ordinary mortgage advances once, against a finished home.A construction loan advances in stages, slab, frame, lock-up, fit-out, completion, against a fixed-price building contract, with the lender’s valuer confirming each stage before funds move.
  • During the build you generally pay interest only on what’s been drawn.The product works beautifully when the contract, the builder’s paperwork and the loan structure line up at the start, and becomes friction at every progress claim when they don’t.

Around Concord West station and Concord hospital

Concord West station, on the Sydney Trains line between Rhodes and North Strathfield, has a small group of shops beside it. Concord Hospital is also in Concord West. Older unit blocks still need their strata records read carefully before you offer.

For lending, the station and the hospital mainly show up in the rental market, adding to local demand for the suburb’s limited supply of units and compact homes, which helps an investor evidence rent.

  • Houses dominate Concord West, often older homes on generous blocks, which is why so many owners here rebuild or extend rather than move.
  • ANZ, Westpac, Macquarie, ING and Resimac all sit on the Links panel, and construction is an area where their appetite and processes differ, so the choice of lender matters before the building contract is signed.
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Houses dominate Concord West, often older homes on generous blocks, which is why so many owners here rebuild or extend rather than move. The land is the security that matters.

A lender funding a knock-down-rebuild values the land plus the fixed-price building contract, and site costs often sit outside the base build price.

ANZ, Westpac, Macquarie, ING and Resimac all sit on the Links panel, and construction is an area where their appetite and processes differ, so the choice of lender matters before the building contract is signed.

Example scenario (illustrative, not a real client): a couple who both work rostered shifts at Concord Hospital own an older house in Concord West and want to knock it down and build a family home.

Part of their income is overtime and shift allowances, and the existing loan has to be refinanced into a construction facility. Lenders differ on how much of that income they count and on how they run progress payments, so a side-by-side comparison shows which are likely to count enough of it to fund the build.

A terrace with an iron-lace balcony

Knock-down-rebuild finance, step by step

What lenders need, in the order they need it.

Land value plus build contract

The lender values the completed project: your land plus the fixed-price building contract. Owner-builder projects and cost-plus contracts are much harder to finance, most lenders want an HIA or Master Builders fixed-price contract from a licensed builder before anything moves.

Progress payments

Funds release at certified stages, after inspection. Your builder’s payment schedule must match the lender’s stages, a mismatch discovered mid-build is the classic cause of site delays that money can’t immediately fix.

Living somewhere meanwhile

Rent during the build is part of the project cost lenders assess. If you’re holding the old home and building elsewhere, or demolishing the home you owe money on, the structure needs care: the existing loan, the land and the build all have to be choreographed.

Variations and buffers

Every build changes along the way. Lenders fund the contract, not the dream, so variations beyond the approved amount come from your pocket. A genuine contingency, held in cash or offset, not hoped for, is part of a properly structured construction loan.

Read the full detail
A brick bungalow with a tidy front lawn

First home buyers around Concord West

Getting into a house suburb

First purchases here are usually the smaller post-war homes or the occasional villa, and the deposit is the wall. A family guarantee lets parents’ equity stand in for cash without money changing hands, and it releases once your own equity is established.

For many Concord West families it is how the next generation stays local.

The scheme, where it fits

The 5% Deposit Scheme’s Sydney cap is $1.5 million; a share of Concord West’s entry stock sits within reach of it, and duty relief can apply below $1 million. Where prices run past the caps, guarantor and gifted-deposit routes carry more of the load. Compare pathways at your price.

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Extending instead of rebuilding

Not every project needs the bulldozer. Major renovations can be financed through equity release at the simpler end or a construction facility at the structural end, the threshold is usually whether a fixed-price contract and progress claims are involved.

See what your current equity could fund.

The duplex question

Concord West’s block sizes make dual-occupancy projects tempting: build two, keep one, sell one. Lenders assess these as construction plus an exit plan, and the tax and subdivision questions belong with your accountant and conveyancer early, finance is the middle of that conversation, not the start.

Common questions about buying in Concord West

How is a knock-down-rebuild loan structured?

As a construction loan against your land plus a fixed-price building contract. The lender values the completed project, releases funds at certified stages, and you pay interest only on the drawn balance during the build.

On completion it converts to an ordinary home loan. The structure is standard; the execution depends on the contract and builder paperwork being lender-ready before you sign.

Do lenders count shift and overtime pay for Concord hospital staff?

Many do, but not in the same way. Some count regular overtime and shift allowances in full once there is enough history, while others count only part of it or want a longer track record.

For hospital staff buying or rebuilding in Concord West, recent payslips, an income statement and confirmation of the roster pattern are the usual starting evidence. How overtime and allowances are assessed.

Can I finance a rebuild if I still owe money on the existing house?

Yes, and it’s common, the existing loan is refinanced into the construction facility, because demolishing a lender’s security without their involvement is not an option. The sequencing matters: approval first, then demolition, never the reverse.

Do lenders finance owner-builders?

A small number do, at lower loan-to-value ratios and with heavier evidence. Most prefer a licensed builder on a fixed-price contract, because their security during the build is a half-finished house.

If you’re set on owner-building, the lender shortlist gets short early, better to know that before the plans do.

What happens if my build goes over budget?

The lender funds the approved contract plus formally approved variations, not the overrun. Anything past that comes from your cash. This is why construction lending is planned with a contingency buffer from day one, and why quotes that look too sharp to be true cost more than realistic ones.

Is a duplex build financed differently from a single home?

Yes, in what the lender examines: the construction mechanics are the same, but lenders look harder at the end value, your intent (keep both, sell one or sell both) and the subdivision path, and the exit plan shapes the product.

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Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · MFAA register · ASIC register · Complaints processEvery page is reviewed by Charles before it is published and checked against current lender policy and the official scheme pages linked where figures appear.

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.