Check your buying position: four inputs give an indicative borrowing range, the deposit it implies and where you stand before you start looking.
Charles Touma Sydney mortgage brokerYou deal directly with Charles.
Six quick questions. No details needed.
Rent, bills, food, transport, subscriptions, everything except loan repayments.
Car loans, personal loans, card repayments. Skip if none. Student loans are the next question.
No need to estimate a repayment. Compulsory HELP repayments are worked out from your income, so we do the same.
Estimated buying range
Send this to Charles with your details and he will check your real position across lender policy, deposit options and first home buyer pathways.
Thanks, your snapshot is on its way to Charles. He will be in touch within one business day.
Book my free callIndicative only. Results are estimates based on limited information and are not credit advice, loan approval or confirmation of eligibility. Your actual borrowing position depends on lender assessment criteria and your full financial circumstances.
Confirm your numbers.
Your buying position is the borrowing range your income supports, the deposit that range needs, and the realistic way in from where you stand today.
Enter your income, savings, living costs and target price to see all three; the result is indicative and the real figure comes from a lender assessment.
The next sold sign could be yours.
Start with a free call. No credit check, no obligation.
Book my free callHad 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.
I honestly couldn’t recommend Links Property Finance and Charles highly enough. After speaking with others who weren’t able to help me, Charles went above and beyond to understand my situation…
Charles and the team recently assisted us with a refinance of our investment property. Recommend Charles and the team to all
Charles Touma, Mortgage Broker.
Treat the range as a shortlist filter, not a budget. It tells you which price brackets are worth looking at and which are not, which is most of the value.
The figure you can rely on comes from a full assessment against a specific lender, which is a thirty minute conversation rather than a form.
No. Pre-approval is a lender’s conditional decision on a verified application, with an expiry and conditions attached. This is an indicative range from unverified inputs. It is useful for working out where to look; it is not something you can put in front of an agent.
Because lenders disagree. The same income, expenses and deposit can produce meaningfully different capacity at different lenders, so a single number would be false precision. The range reflects that spread.
Yes: the compulsory repayment reduces the income available to service a loan, by an amount that depends on your income and the lender. The guide on HECS and home loans is linked below.
No. Nothing here touches your credit file. No credit check is performed and no enquiry is recorded. A credit enquiry only happens when a formal application is submitted, with your consent.
That is worth knowing early, and it is usually movable. Reducing credit card limits, clearing a small personal debt or restructuring how income is presented can change capacity, sometimes substantially. The guide on increasing borrowing power sets out the levers that work.
Thirty minutes with Charles: your position assessed properly against lender policy, and the pathway that fits. Free, no credit check.
Estimates only, not credit or financial advice. This tool uses general assumptions and cannot see your credit file, verify your income or apply any particular lender's policy. Your position is confirmed in a full assessment.
Official sources for the figures on this page: Revenue NSW, First Home Buyers Assistance Scheme. Scheme rules change; the official pages are the final word. Checked against these sources on 12 October 2026.
