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Mortgage Broker Regents Park

Links Property Finance · Home loans in Regents Park and across Sydney: Mortgage Broker in Regents Park

Regents Park is a small suburb where most homes are separate houses and nearly half are rented.

Reviewed by Charles Touma Updated 18 October 2026

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Charles Touma, mortgage broker at Links Property Finance

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Contracting on an ABN in Regents Park: how long must you have traded?

Usually two years of trading with tax returns, though some lenders accept one year, or a shorter ABN history if you were previously employed in the same field.

Read more

Income is taken from your tax returns with add-backs, or from your contract and day rate where the lender treats you as a contractor.

A blue weatherboard cottage
In Regents Park, houses make up 64.3% of homes, terraces and semis 3.4% and apartments 30.8% (ABS Census 2021).

Regents Park by its homes

Regents Park is mostly detached homes, 64.3% of everything built here. A house on its own title is the simplest security a lender takes, and the land carries most of the value. Just under half of the homes in Regents Park are rented, well above the state average.

High rental demand here helps an investment loan, because lenders count part of the expected rent toward servicing. At 1,798 homes, Regents Park is one of the smaller suburbs nearby, which can make a valuation the slowest part of the loan.

  • Postcode2143
  • CouncilCity of Canterbury-Bankstown
  • From the Sydney CBD22 km west
30.8%

apartments NSW 21.7%

64.3%

separate houses NSW 65.6%

3.4%

terraces and semis NSW 11.7%

45.1%

rented NSW 32.6%

24.3%

with a mortgage NSW 32.5%

1,798

private dwellings

Source: ABS Census 2021, Suburbs and Localities (SAL13358).

A terrace with an iron-lace balcony

How much could you borrow for Regents Park?

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.

★★★★★
Charles and the team recently assisted us with a refinance of our investment property. Recommend Charles and the team to all
Tony Google review
★★★★★
Had a really good experience with Charles at Links Property Finance. He was easy to deal with, always quick to respond and kept everything simple and clear throughout the whole process. You can tell he genuinely cares about getting the best outcome for his clients rather than just getting things done quickly. Really happy with the experience and would happily recommend Charles and Links Property Finance to anyone.
Christian 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

Contractor income and borrowing in Regents Park

Lenders vary widely on contractors. Some treat a contractor working steadily for one client much like an employee, using recent invoices, a contract and bank statements. Others treat all ABN income as self-employed, wanting tax returns and, commonly, a trading history of one or two years.

Many lenders want an ABN held for at least a year, and some accept less if you did the same work as an employee beforehand.

BAS statements, an accountant’s letter and a copy of your contract can all help. Which lender you choose can matter more for contractors than almost anyone else. Home loans for contractors in detail

A Federation-era house with a tiled roof and front garden

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

Contractors and first buyers in Regents Park

A brick house with a gabled roof in Sydney
  • Links Property Finance is based in Enfield, about fifteen minutes from Regents Park, with conversations by phone, video or in person.The first one is about how you work and how you are paid.
  • Nearly half of Regents Park’s homes are rented, and most are separate houses.For renters here, a first house or apartment close by is a common goal.

What do lenders ask contractors for?

A first home buyer working through their numbers at the kitchen table
  • Time on your ABN.Often at least a year, sometimes less with prior experience in the same work.
  • Evidence of income.Tax returns, BAS, invoices, a contract or an accountant’s letter, depending on the lender.

The pipelines, the railway and Regents Park housing

Regents Park lies about twenty-two kilometres west of the city by its official measure, and shares postcode 2143 with Birrong and Potts Hill. The pipelines run from Pipehead at Guildford to the Potts Hill Reservoir.

Most of the suburb is in Cumberland Council, with the part south-west of the heritage-listed triple water pipelines, known locally as the Pipelines, in the City of Canterbury-Bankstown.

  • The area was originally part of a land grant to Joseph Hyde Potts, and the first subdivision was made in 1880.
  • When a Regents Park contractor is buying, Links compares a panel that includes Resimac, Macquarie, ING, Westpac and ANZ.
Read the full detail

The area was originally part of a land grant to Joseph Hyde Potts, and the first subdivision was made in 1880. The name comes from a local property built in 1879 by Mr Peck and Mr Johnson, named after Regent’s Park in London.

The local school opened in 1899 as Potts Hill School, became Sefton Park School in 1907 and Regent Park School in 1929, and the railway station opened in 1914. Today separate houses make up about two in three homes.

When a Regents Park contractor is buying, Links compares a panel that includes Resimac, Macquarie, ING, Westpac and ANZ.

Example scenario (illustrative, not a real client): an electrician in Regents Park moved from a salaried job to contracting on an ABN eight months ago, doing the same work for the same main client.

Before applying, they gather their contract, recent invoices, BAS and payslips from the previous job, and apply with a lender that accepts a shorter ABN history for the same line of work.

One client or many

A contractor with one main client on a rolling contract can sometimes be assessed like an employee, using the contract rate and recent invoices. Contractors with many clients are usually assessed as self-employed, from tax returns.

Where your work fits changes which lender, and which documents, suit you. Home loans for contractors.

A row of red-brick terraces

When is your ABN new?

Some lenders want a full year or two of tax returns on the ABN. Others accept a shorter history if you worked in the same field as an employee before, using BAS statements and your previous payslips to show continuity.

Low doc options exist for some self-employed borrowers, usually with a larger deposit or a higher rate. Low doc loans.

Getting the documents together

Typical documents include tax returns and notices of assessment, BAS statements, recent invoices and bank statements, and sometimes a letter from your accountant confirming income. Having them ready speeds everything up.

Lodged, up-to-date tax returns make the widest range of lenders available. Self-employed document checklist.

One client, many clients or a new ABN?

Three contractor situations, and how lenders tend to see them.

  • One main client. Sometimes assessed like an employee. A contract and recent invoices help.
  • Many clients. Usually assessed as self-employed. Tax returns and BAS show the income.
  • A new ABN. Some lenders accept a short history. Prior employment in the same work helps.

What should I check before applying as a contractor?

The paperwork that opens up more lenders.

  • Tax returnsLodged and up to date, with notices of assessment.
  • BAS statementsRecent quarters.
  • Your contractIf you work mainly for one client.
  • Invoices and statementsShowing payments arriving.
  • Previous payslipsIf you contracted after being employed in the same work.
  • An accountant’s letterIf a lender asks for one.

Common questions about buying in Regents Park as a contractor

Can I get a home loan as a contractor on an ABN?

Yes. Lenders vary, but many lend to contractors, some treating steady single-client contractors much like employees and others assessing them as self-employed.

How long do I need to have had my ABN?

Often at least a year, and some lenders want two years of tax returns. Some accept less if you did the same work as an employee before.

Do I need tax returns?

Usually, particularly with several clients; some lenders accept a contract, invoices and BAS for contractors working for one client.

What is a low doc loan?

A loan for self-employed borrowers who cannot provide full financials, using documents such as BAS or an accountant’s letter. They usually need a larger deposit or carry a higher rate.

Does my income get averaged?

Often, yes: for self-employed assessment, lenders commonly average the last two years or use the most recent year, depending on the trend and their policy.

Can I use the 5% Deposit Scheme as a contractor?

Yes, if you meet the criteria. Participating lenders still assess your income under their own contractor or self-employed policies.

Talk to a broker about your Regents Park home loan

One free call covers what you could borrow in Regents Park, the lenders that suit the property you want and the order to do things in.

Book my free call or call 0423 952 184
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Charles Touma, mortgage broker at Links Property FinanceCharles calls back within one business day. No documents needed yet.

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

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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.