Links Property Finance · Sydney home loans: Mortgage Broker Services in Sydney
First home buyers are the speciality, but every loan gets the same method: a real assessment, a comparison across more than 70 lenders and one broker from start to settlement.
Which home loan do you need handled properly?
First home buyer loans, refinancing, investment loans, pre-approval, borrowing power assessments and loan health checks, plus self-employed, guarantor, construction, bridging and professional lending. No broker fee on most loans: the lender pays a commission, disclosed in writing before you apply.
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Twelve services, each with its own page and a free calculator, are listed below.
Recent Links clients
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Their new home, at frame stage. Walls next. The frame is up. -
Bought, and all smiles. A family purchase in Sydney’s south-west. -
Next one
Yours could be the next one.
A quick call and you will know your next step.
Book my free call
Charles and the team recently assisted me with the refinance of my investment property.
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 is an absolute star at what he does. He was straight-up, highly professional, and worked hard to secure a fantastic rate for our home loan. Communication was prompt and clear the entire way through. I would trust him with any future financial needs
Who we help
First home buyers, next home buyers, property investors, refinancers and the self‑employed, the same method behind every loan: a real assessment, a comparison across a wide panel of lenders, and one broker from start to settlement.
First home buyer loans
Deposit strategy, scheme eligibility and your first approval.
Explore first home buyer optionsRefinancing
A better rate, a simpler structure or equity released.
Review your home loanInvestment loans
Structures that protect cash flow and keep the next purchase possible.
Discuss an investment loanBorrowing power assessment
A real number, modelled against lender policy, not a website guess.
Understand your borrowing positionHome loan pre‑approval
A properly assessed limit, kept current while you search.
Get pre-approval movingLoan health check
A free review of your current loan against today’s market.
Check your current loanSelf‑employed lending
Lenders who read your income the way it works.
See how your income readsGuarantor home loans
Family equity instead of a cash deposit, and how it comes off later.
See how a guarantee worksLow deposit home loans
Four ways in with less than 20 per cent, and what each one costs.
Compare low deposit pathsGifted deposits
Using money from family, and the evidence lenders ask for.
Document a gift properlyBridging loans
Buying before selling: peak debt, end debt and the risks.
Weigh up bridgingConstruction loans
Knock-down-rebuilds, renovations and land-and-build, drawn in stages.
Plan construction financeFind the right service in one table
Twelve ways we help Sydney borrowers, each with its own page and a free calculator.
| First home buyer loans | Buying your first home in Sydney: the 5% Deposit Scheme, NSW stamp duty exemption, deposit and borrowing power. Deposit calculator. |
|---|---|
| Refinancing | Owners whose rate has drifted, whose fixed term is ending, or who want to release equity or consolidate debts. Refinance savings calculator. |
| Investment property loans | Investors choosing between interest-only and principal and interest, and how lenders count rent. Rental yield calculator. |
| Self-employed home loans | Sole traders, company and trust owners, contractors: full doc, low doc or one-year financials. Self-employed income calculator. |
| Home loan pre-approval | Buyers who want a fully assessed ceiling before they bid at auction or make an offer. Borrowing power calculator. |
| Borrowing power assessment | Anyone who wants their real figure across the lender panel rather than one bank's estimate. Borrowing power calculator. |
| Guarantor home loans | First home buyers whose parents can offer equity in place of a cash deposit. Guarantor calculator. |
| Loan health check | Owners who have not reviewed their loan since settlement; often ends with a repricing request, not a move. Loan health check. |
| Bridging loans | Buyers who have found the next home before the current one has sold. Home equity calculator. |
| Construction loans | Building or rebuilding on land you own, drawn in stages against a fixed-price contract. Repayment calculator. |
| Low deposit home loans | Buyers with less than 20 per cent: the scheme, lenders mortgage insurance, family help or a guarantee. LVR and LMI calculator. |
| No LMI and professional loans | Doctors, dentists, lawyers, accountants and other professions some lenders treat more favourably. LVR and LMI calculator. |
Questions about working with Links
What does it cost to use a mortgage broker?
No broker fee on most loans. The lender pays Links a commission when your loan settles, disclosed in writing before you apply. If a fee ever applied to a particular situation, you would be told before any work started, and the recommendation is based on fit, not on commission.
How many lenders do you compare?
More than 70, including ANZ, Westpac, Macquarie, ING and Resimac, through the Connective aggregator. The lender is chosen after your file and the property are read, so the application goes to the policy that fits, which avoids unnecessary applications and credit enquiries.
Do you only handle first home buyers?
No. First homes are the speciality, but refinancing, investment loans, self-employed lending, guarantor loans, construction and bridging finance and professional lending are all handled with the same method. The services list below links to each one and its calculator.
Who handles my file?
Charles Touma, from the first call to settlement and the rate reviews after it. There is no call centre and no handover; the same person who assessed you lodges the application, deals with the lender and your conveyancer, and answers the phone afterwards.
What happens after I make an enquiry?
Charles calls back within one business day for a 30-minute conversation about your situation, with no documents needed yet. From there you get a borrowing range, the lender options that fit and a clear next step, usually a pre-approval or a loan review, with no obligation to proceed.
Book a free 30-minute call
Thirty minutes is usually enough to know the right path, and what it will cost.
Prefer a callback?
Charles calls back within one business day. No documents needed yet.
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.