Book a call with Charles
Twenty minutes, on the phone or by video, at a time you pick. It is free, nothing is submitted to a lender, and no credit check is performed. Pick a slot below, or call directly if that is easier.
Calendar not loading? You can open the booking page directly or call 0423 952 184.
What happens on the call
Charles asks what you are trying to do and what your situation actually looks like: income and how it is earned, what you have saved and where it came from, any debts, and the sort of property you have in mind. From that he can tell you the realistic borrowing range, what the deposit needs to be, and which route in makes sense. If a government scheme is relevant, he will say so and tell you what to verify.
What you do not need to bring
Nothing. No payslips, no statements, no paperwork. It is a conversation, not an application. If you want to move forward afterwards there is a document list, and there are checklists on this site you can work through in your own time.
What it costs
Nothing, and there is no broker fee for standard residential lending. Lenders pay commission on settlement and that is disclosed to you in writing before anything is submitted.
If a call does not suit
Send a message through the contact page instead, or call directly on 0423 952 184. If you would rather work something out on your own first, the calculators are free and nothing is captured unless you choose to send yourself a result.
Questions about booking
Is the call really free?
Yes, and there is no obligation attached to it. There is no broker fee for standard residential lending at Links. Lenders pay commission on settlement, which is disclosed to you in writing before anything is submitted.
Will this affect my credit score?
No. A conversation does not touch your credit file. A credit enquiry is only recorded when a formal application is submitted to a lender, which happens with your consent and not before.
How long does it take?
Twenty minutes is usually enough to work out where you stand and what the next step is. If your situation is more involved, Charles will say so and book a longer follow-up rather than rushing it.
Do I have to be ready to buy?
No, and earlier is usually better. Knowing what the deposit needs to be and how your income will be read gives you something to aim at. Plenty of first calls happen a year or more before a purchase.
Do you only work with Sydney buyers?
Charles is Sydney based and works with buyers across Australia. Lending is national, and most of the process happens by phone, video and email.
Prefer to work it out first?
