Links Property Finance · Mortgage broker in Sydney: Home Loan Resources and Checklists
Free checklists, templates and calculators for Sydney buyers and owners. Nothing here is gated.
Which free checklist or template do you need?
Start with the document checklist for your situation: employee, self-employed, first home, refinance or construction. The templates cover the gift letter, employer letter and accountant letter lenders ask for, and each calculator shows its working so you can check the figure.
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Calculators
Each one explains what it is doing and where it stops being reliable.
Guides and worked examples
The longer explanations, and eighteen illustrative scenarios showing how real files are placed.
Charles Touma, Mortgage Broker.
Why is none of this gated?
- Requiring an email address before someone can read a checklist filters out the people who were only ever going to read the checklist, which is the wrong filter.
- If you are researching a purchase two years away, take what is useful and come back when it matters.
- There is one thing on this site that asks for details, the First Home Buyer Guide, because it is a PDF that has to be sent somewhere.
For accountants, agents and advisers
- These pages are written to be shared.
- If a checklist or calculator is useful for your clients, link to it or send it on, no attribution required and no arrangement needed.
- If you would rather introduce a client directly, the partner page explains how that works and what you hear back.
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Checklists
Print them, work through them, ignore what does not apply.
- First home buyer checklistThe whole process in order, from working out your borrowing power through to settlement day.
- Pre-approval checklistWhat to have ready, what the lender is checking, and what quietly delays an application.
- Document centreEvery document lenders ask for, organised by situation: employed, self-employed, gifted deposit, guarantor.
- Refinance checklistWhether switching is worth it, what it costs, and the sequence that keeps it simple.
- Self-employed documentsEvery document a self-employed application needs, grouped and in order.
- Construction documentsWhat a build file needs before a lender will issue an approval.
- Questions before making an offerWhat to ask the agent, your solicitor and yourself, before you offer or raise your hand.
- Lending glossaryEvery term a lender or broker will use on your file, defined in a sentence or two.
- RBA cash rateWhere the cash rate sits, and what a change does to a repayment.
- Gift letter templateThe wording lenders expect from a parent gifting a deposit. Copy and edit.
- Employer letter templateConfirming your role, income and status in the form lenders accept.
- Accountant letter templateWhat your accountant needs to confirm, and what they cannot.
- Increase your borrowing powerThe levers that work, and roughly how long each takes.
- Interest-only loansHow they work, who they suit, and what happens when the period ends.
- First home buyer learning centreEvery first home buyer resource on this site, ordered the way you meet them.
- Managing your home loanWhat to do in the years after settlement, from fixed rate roll-off to rate reviews.
- Knock-down rebuildFinancing a rebuild on land you already own, stage by stage.
- Parental leave and home loansBeing assessed on your return-to-work income rather than reduced income today.
- Second job and multiple incomesThe history required before a second income counts at all.
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.