Links works with buyers, owners and investors across greater Sydney by phone, video and in person when it helps. Every region raises its own lending questions, and the pages below cover each one.
Anywhere in greater Sydney, and Australia-wide by phone and video. The region pages below show what comes up most in each.
A lender does not assess a Sydney property; it assesses this building, this title type, this floor plan and this postcode’s sales evidence, so a studio under 50 square metres in Bondi, a company title flat in Neutral Bay and a house-and-land package in Oran Park are three different applications.
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Book my free callA huge thank you to Charlie for his exceptional support and expertise throughout the process of securing finance for my first home.
I found Charles and Links Property Finance very prompt and professional to deal with. Made it all so easy.
Had a great experience with Charles. He made the home loan process straightforward, was always easy to communicate with, and really knew his stuff. Would definitely recommend Charles and the team!
Find your part of Sydney, then your suburb.
| Inner West | Ashfield, Burwood, Strathfield, Croydon, Enfield, Summer Hill, Leichhardt, Marrickville and the suburbs between. Older strata blocks, Federation houses, company title, auction buying. |
|---|---|
| St George | Hurstville, Kogarah, Rockdale, Bexley and the suburbs around them. Apartment towers near the stations and established brick homes. |
| South West Sydney | Bankstown, Liverpool, Greenacre, Campsie, Belmore, Lakemba and surrounds. Larger households, family guarantees, buying with parents. |
| Ryde district | Ryde, North Ryde, Eastwood, Gladesville, Macquarie Park and surrounds. Unit towers with lender concentration caps and large-loan house purchases. |
| Lower North Shore | Chatswood, Artarmon, Lane Cove, North Sydney, Neutral Bay, Mosman. Large loans, apartment stock near the stations, professional borrowers. |
| Eastern Suburbs | Bondi, Bondi Junction, Coogee, Randwick, Maroubra. High-value purchases, small apartments, strata detail. |
| Hills District | Castle Hill, Baulkham Hills, Kellyville, Rouse Hill, Carlingford. New estates, house and land, construction loans, larger family homes. |
| Western Sydney | Parramatta, Blacktown, Penrith, Mount Druitt, Seven Hills, Auburn. First home buyers using the schemes, construction and house and land. |
| Sutherland Shire | Sutherland, Miranda, Cronulla, Engadine. Family homes, upgraders, bridging between sales. |
| Northern Beaches | Manly, Dee Why, Mona Vale. Coastal valuations, large loans, renovation finance. |
| Macarthur | Campbelltown, Camden, Oran Park. House and land, the 5% Deposit Scheme, construction stages. |
Each region page lists every suburb we cover there, with the local lending detail on each suburb page. Phone and video across Sydney and Australia-wide.
Charles Touma, Mortgage Broker.
Because the property is half the assessment. Knowing which rule bites where is the job.
Auctions in the east mean unconditional bids and larger loans; company title on the north side narrows the lender list; construction at the frontier means staged payments and settlement valuations; towers near stations bring concentration caps and size rules.
No. Home loans are written the same way across Australia and the process runs on phone, video and secure document upload. Links is based in Enfield in the Inner West, with no shopfront, and Charles meets clients in person where that helps.
What matters is knowing the lender policies that affect the specific property you are buying.
Because the lending questions differ. Each region and suburb page covers the property types found there, the lender rules they trigger and the calculators worth running first, so a buyer in Burwood reads about unit size rules while a buyer in Concord reads about equity release and bridging.
No. The pages cover the suburbs where the questions come up most, but Links works across all of Sydney and Australia-wide. The nearest region page will describe your market closely, and the assessment is done on your property and your file, not on whether the suburb has a page.
Yes. Most files run by phone, video and document upload, so regional NSW and interstate purchases are handled the same way. Lender policy on regional postcodes, land size and property type is checked first, because some lenders restrict lending outside metropolitan areas.
Yes, where it helps. Links is based in Enfield and Charles meets clients at their place across the Inner West and nearby, including with parents or a builder in the room. Most conversations still run by phone and video because that is faster for everyone.
No broker fee on most loans, wherever the property is. The lender pays a commission when the loan settles, disclosed in writing before you apply. If a fee ever applied to a particular situation, you would know before any work started.
Thirty minutes with Charles: your borrowing position, your suburb's lending questions, and a clear next step. Free, no credit check.
Prefer a callback?Charles calls back within one business day. No documents needed yet.
Each region page covers how the local market lends, and links to the suburbs inside it.
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.
