Links Property Finance · Mortgage broker in Sydney: Home Loan Scenarios and Worked Examples
Guides explain the rules; scenarios show the rules colliding with real life.
What does a real lending file look like, worked end to end?
Each Links lending scenario takes one realistic situation, such as a 5% deposit with a HECS debt, retired parents as guarantors or a low valuation, and works it through: the problem, what lenders assess, the considerations and a realistic path.
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Every scenario is labelled illustrative; real recorded files are on the client cases page.
Recent Links clients
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Their new home, at frame stage. Walls next. The frame is up. -
The whole family turned up. A parents’ guarantee, done properly. -
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Yours could be the next one.
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Charles and the team recently assisted me with the refinance of my investment property.
Paperwork and finances were never my strong suit. He has made this process as simple and dummy proof for me as humanly possible. This is not the first time I use a mortgage broker, however it was the easiest and most pleasant.
Charles went above and beyond to help us secure our home loan. He worked hard to find the best option for us and kept us updated throughout the whole process. His knowledge of the lending market was impressive and he made everything straightforward.
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Thirty minutes with Charles: your version of the file, assessed properly, what lenders will see, what they'll ask, and the realistic path.
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Buying your first home
- 5% deposit with a HECS debtThe scheme, the debt and the borrowing power, untangled for a couple on $155k.
- First home on casual incomeEighteen months casual at the hospital, told "casuals can't borrow". Not true.
- Guarantor with retired parentsParents own their home outright but no longer work. Some lenders still say yes.
- A paid default on the fileA $2,400 telco default from four years ago meets automated credit scoring.
Income and structure
- Self-employed, one year of financialsThe bank said come back next year. Several lenders don't require the wait.
- Separation buyout on one incomeKeeping the family home: $310k buyout, one salary, child support that counts.
- Bridging an auction purchaseNineteen days to an unconditional bid, current home not yet sold.
- Construction cost overrunsA knock-down-rebuild grows $95k mid-build. The buffer decides everything.
- Declined by your own bankEleven years with the same lender, one servicing decline, four days of cooling-off left.
- A gifted deposit, no savings$90,000 from family, six years of rent, and a lender asking for genuine savings.
- A registrar at 90%, no LMITen per cent down on $1.1m, and a professional policy that removes the insurance.
- Five repayments into oneNine years of equity, a stale rate, and $74k spread across four facilities.
- Six weeks into a new jobProbation, a pay rise, and the house that will not wait.
- The deposit is in the houseEleven years of equity, no cash savings, one investment purchase.
- The income the bank ignoredA third of the pay arriving as penalties and overtime.
- One clean file, one markedA small paid default, and whether to apply alone.
Where to next
Every scenario on this page is an illustrative example, not a description of a specific client and not a testimonial. Figures are realistic but rounded, and no outcome is promised, lending is always subject to individual assessment. If your situation rhymes with one of these, that's exactly what the first conversation is for.
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.