Links Property Finance · Mortgage broker in Sydney: Charles Touma
Director and Principal Mortgage Broker at Links Property Finance, with a background in banking, wealth management and Inner West real estate. He stays on every file himself, from the first call to settlement.
Who is Charles Touma?
Charles Touma is a Sydney mortgage broker and the director of Links Property Finance, based in Enfield in the Inner West. He is Credit Representative 579003 under Australian Credit Licence 389328 and a member of the Mortgage and Finance Association of Australia.
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He compares home loans across more than 70 lenders through Connective and looks after each file himself, from the first conversation to settlement.
About Charles Touma
Charles works with first home buyers, families refinancing and property investors, and handles every file himself.
He came to broking from banking, wealth management and Inner West real estate, so he knows how financial products are built and checked from the inside, and how a property purchase looks from the agent’s side of the table.
That background shapes the advice. Every recommendation starts with your numbers, compares lenders on policy as well as rate, and spells out the fees and conditions before you apply.
He works under the Best Interests Duty, which legally obliges a broker to put your interests first, and compares home loans across more than 70 lenders through Connective.
What Charles handles
Where Charles lends
Based at Portland St, Enfield NSW 2136 and meeting in person across Sydney by appointment. Outside New South Wales, he works with clients by phone and video.
Articles by Charles
Guidance Charles has written for Links Insights.
InvestingNegative Gearing Changes: What Investors Need to KnowNegative gearing changes from 1 July 2027: only new builds can be negatively geared. Who is grandfathered, what counts as new and what to…
InvestingCapital Gains Tax Changes From 1 July 2027, ExplainedCGT changes 2027: the 50% discount gives way to indexation and a 30% minimum tax on gains after 1 July 2027. How property held…
Income and borrowingWhat Do Lenders Look For in Your Bank Statements?What lenders look for in bank statements: pay, rent, savings, undisclosed debts, gambling and overdrawn days. What they check and how many months.
Managing your loanWhat Happens to a Mortgage When Someone Dies?The mortgage does not end when someone dies. How joint tenancy, the estate, insurance and the lender work in NSW, and what to do…
Managing your loanHow Is Home Loan Interest Calculated in Australia?How is home loan interest calculated? Daily on your balance and charged monthly. A worked example at 6%, and how an offset or extra…
Buying processRent to Own Homes in NSW: How They Work and the RisksRent-to-own deals are legal in NSW but you do not own anything until title is registered. How they work, the risks, and safer low-deposit…
Managing your loanCan You Use Your Super to Pay Off Your Mortgage?Can you use super to pay off your mortgage? Usually once you retire after preservation age or turn 65. Early release only applies to…
InvestingMoving Into Your Investment Property: Loan and Tax EffectsMoving into your investment property changes the loan rate, ends the interest deductions and splits capital gains tax by the time it was rented.
InvestingRenting Out Your Home: The Loan, the Tax and the 6-Year RuleTurning your home into an investment property? Tell the lender, check which interest is deductible and use the 6-year rule to keep the sale…
Managing your loanShould You Use Your Home Loan to Buy a Car?Can you use your home loan to buy a car? The rate is lower, but over 30 years a $40,000 car costs about $46,000…
InvestingThe NSW Low and Mid-Rise Housing Policy: Can You Build More?The NSW low and mid-rise housing policy allows dual occupancies in R2 zones, with set lot sizes near 171 stations and town centres. What…
InvestingPAYG Withholding Variation for an Investment PropertyA PAYG withholding variation lets an investor take a negative gearing refund in each pay. How to apply, what changes from 2027 and what…How does a home loan run with Charles?
- 1
A free 30-minute call
Your income, savings, debts and timing, and a straight answer on what is realistic.
- 2
Lenders compared
Policy and pricing across the panel, with the recommendation and its costs in writing before you apply.
- 3
Application to approval
Charles prepares and lodges the application and answers the lender’s questions for you.
- 4
Settlement and after
He follows the file through to settlement, and a free loan health check is there whenever you want your rate reviewed.
What clients say about Charles
Charles looked after us really well and his knowledge gave us the confidence to purchase our property. He wasn’t pushy and always ensured we felt comfortable with the repayments.
Had a great experience with Charles at Links Property Finance. He made the whole home loan process straightforward and easy to understand, kept me updated throughout and was always quick to answer any questions.
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…
Questions about working with Charles
Is Charles Touma a licensed mortgage broker?
Yes. Charles is Credit Representative 579003 under Australian Credit Licence 389328, and you can look him up on the ASIC Connect professional registers and the MFAA Find a Broker register. Our guide to choosing a mortgage broker in Sydney lists the other checks worth making.
Where is Charles Touma based?
In Enfield, in Sydney’s Inner West, at Portland St by appointment. Most clients work with him by phone and video, and he meets in person across Sydney when that helps.
Does Charles charge a broker fee?
Not on most home loans. The lender pays him a commission when the loan settles, and it is disclosed to you in writing before you apply.
How do I book a call with Charles?
Book a free 30-minute call online, call him on 0423 952 184, or leave your number for a callback. He calls back within one business day.
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.
Ready to talk with Charles?
Book a free 30-minute call and Charles will walk you through your options and the next steps. No obligation, no credit check.
Prefer a callback?
Charles calls back within one business day. No documents needed yet.
