Partner with Links Property Finance
If you advise people who are about to buy, refinance or restructure, the finance side either supports your advice or quietly undermines it. This page explains exactly how Links works with clients you introduce, what you hear back, and where the boundaries sit, so you can decide whether the relationship is worth having.
Who this is for
Accountants with clients whose structures make lending complicated. Buyer's agents who need finance certainty before auction day. Conveyancers and solicitors watching a finance clause run down. Financial advisers whose strategy depends on a facility being approved. Real estate professionals whose buyers keep stalling at pre-approval. Different problems, one shared dependency: whether the lending actually lands.
What is not on offer
This is not a lead-buying arrangement and there is no referral fee scheme attached to this page. If a formal referral arrangement is ever appropriate, it is documented properly and disclosed to the client, as the law requires. What is on offer is straightforward: your client gets handled well, and you get told what is happening.
One broker, not a call centre
Charles Touma handles the file personally from first conversation to settlement. There is no handover to a processing team, no rotating point of contact, and no situation where your client explains their circumstances three times to three different people. When you introduce someone, you know who is dealing with them.
Where the client's interests sit
Australian brokers work under a Best Interests Duty, a legal obligation to act in the client's interests when recommending a loan. That duty is owed to the borrower, not to the person who made the introduction. It is worth stating plainly, because it is also the reason a referral relationship is safe to have: the advice your client receives is not shaped by who sent them.
How a referred client is handled
The same sequence every time, so you can tell your client what to expect before you make the introduction.
Timing varies with the file and the lender. What does not vary is that you are not left guessing.
What you hear back, and what you do not
With the client's permission, you are told the things that affect your own work: whether finance is on track, the realistic timeline, and any obstacle that changes what you should be advising. You are not sent their income, their credit file, their bank statements or anything else that is theirs rather than yours. Privacy obligations run to the client, and a referrer is not an exception to them.
If a client would rather you were not updated at all, that is their call and it is respected without explanation.
Why this helps your client, not just the file
Most finance problems are discovered late: a valuation that lands short a week before settlement, a structure that turns out to be unfundable, a borrowing figure that was optimistic. Involving a broker early converts those into decisions rather than emergencies. For you that means fewer collapsed contracts, fewer extension requests, and fewer clients whose plans change after you have already done the work.
Lending situations we regularly work
If your client's circumstances look like one of these, the file is familiar rather than unusual.
For accountants
The tension is familiar: the structure that minimises tax is often the structure that reduces borrowing capacity, and the client wants both. Involving a broker before the financials are finalised means the trade-off is a conscious choice rather than a surprise in March. Trust and company borrowing, add-backs, one-year assessments and low-doc routes are all normal territory here.
For buyer's agents
Your client needs a bid ceiling that funds, not an estimate. Pre-approval assessed against written lender policy, valuation risk flagged before auction, and a broker reachable on a Saturday morning is the practical difference between advising confidently and hoping.
For conveyancers and solicitors
Finance clauses, extension requests and settlement dates are easier when someone tells you early that a valuation came in low or an approval is conditional. We would rather give you two weeks' notice of a problem than an apology on the day.
For financial advisers
Debt structure affects the strategy you are building: offset against redraw, deductible against non-deductible, fixed against variable, whether a facility can be split. We handle the lending and stay out of the advice, which is where the line properly sits.
Questions professional partners ask
Is there a referral fee?
Not attached to this page. Most professional relationships work perfectly well without one, on the basis that your client is looked after and you are kept informed. Where a formal arrangement is genuinely appropriate, it is documented and disclosed to the client as the law requires. What never happens is an undisclosed payment influencing what the client is recommended.
What will my client actually experience?
A conversation within one business day, about twenty minutes, free, with no credit check and no documents required to start. They leave knowing what they could borrow and what the obstacles are. Nothing is lodged and nothing touches their credit file until they decide to proceed.
How much will you tell me about their finances?
Only what affects your work, and only with their consent: whether finance is on track, the realistic timeline, and anything that changes what you should be advising. Their income, credit file and statements stay between them and us. If they prefer you receive no updates, that is respected.
Do you only work with first home buyers?
No. First home buyers are a genuine specialty and a large share of the work, but the files that most need a broker are refinances, investment purchases, self-employed applications, trust and company borrowing, bridging, construction and commercial property. The complex lending library on this site is the honest picture of the range.
What areas do you cover?
All of Sydney and Australia-wide by phone and video. Charles is based in the Inner West, with detailed local knowledge across nine Sydney regions, which matters more than it sounds: a company title flat, a studio under 50 square metres and a house-and-land package waiting on registration are three different lending conversations.
How do I make an introduction?
Whichever suits you. Email the details with your client's permission, call directly, or simply give them the number and tell them to mention your name. There is no portal to log into and no form you are required to use.
Links Property Finance operates under Australian Credit Licence 389328 with aggregation through Connective. General information only, not credit or financial advice. All lending is subject to individual assessment and lender approval.
Start with a conversation, not a contract.
Twenty minutes to work out whether the relationship is useful for the clients you actually advise. No agreement to sign and nothing to commit to.
Prefer a callback?Charles calls back within one business day.
