0423 952 184 Book a free call
First home buyers Contact
Book a free call Call 0423 952 184
Call Charles Book a meeting
Free tool

Links Property Finance · Free calculator from a Sydney mortgage broker: Loan Ready Score

Six questions, no sign-up and no credit check.

Reviewed by Charles Touma Updated 18 October 2026

Run my numbers Book my free call
$0broker fee on most loans
5.0from 32 Google reviews
70+lenders on our panel
Charles Touma, mortgage broker at Links Property Finance

Charles Touma Sydney mortgage brokerYou deal directly with Charles.

Book a free call

Loan Ready Score

Loan Ready Score

Answer. The score moves as you answer, and the plan underneath updates with it.

What this checks: your deposit, where it came from, your income type, credit history, debts and paperwork. It is not a lender assessment: your actual income figures, living expenses, the property and each lender’s policy are checked when you apply.

Your Loan Ready Score 89/100 Strong. Ready to organise pre-approval.

The plan below updates as you answer. Nothing is recorded unless you choose to email yourself the result.

Confirm your numbers.

How loan ready are you?

Your score reflects the six things lenders weigh first: deposit size, how it was saved, employment, credit history, existing debts and paperwork. It shows how ready your file is and, more usefully, which fixes to make first.

Read more

It is a preparation guide, not an assessment; each lender decides on the full application.

Part of the complex lending guide.

Moving day at a new home

Recent Links clients

  • Two Links Property Finance clients standing inside the timber frame of their new home Building · Sydney
    Their new home, at frame stage. Walls next. The frame is up.
  • A Links Property Finance client in front of the sold sign at the first home she bought First home · Inner West
    Sold. Her first home. Deposit, scheme and lender, sorted.
  • Next one

    Yours could be the next one.

    One short call tells you what you can borrow and what to do first.

    Book my free call
Charles Touma, mortgage broker at Links Property Finance
5.0 from 32 Google reviews

Real outcomes for real borrowers.

★★★★★
As a first home buyer, I was pretty overwhelmed at the start, but Charles made everything much easier. He explained the process step by step and helped me understand my borrowing options. His professionalism and responsiveness were excellent.
Ric Google review
★★★★★
I have had a number of dealings with Charles from Links Property Finance. He is very knowledgeable, thorough, and detailed with his advice. Importantly, he is very approachable and easy to deal with. His advice has been beneficial to myself and my acquaintances. I highly recommend him.
Joseph Google review
★★★★★
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…
Evangelos Google review

What to fix, in order

Strongest lever first. Each one links to the guide that covers it properly.

  • Keep building toward 20%Between 10% and 20% most lenders apply mortgage insurance on a sliding scale. The LMI calculator shows what each extra percent saves.
  • Assemble the file this weekendPayslips, statements, ID, in one folder. The document centre lists exactly what your situation needs.
A family in a paddock at sunset

The longer answers, in full

Charles Touma, mortgage broker at Links Property FinanceCharles Touma, Mortgage Broker.

Common questions about loan readiness

Is this score an assessment or pre-approval?

No. It is a preparation guide built from the things lenders commonly look at. Only a lender assesses an application, and every lender does it differently. Pre-approval is the formal version of this exercise.

Does using this affect my credit file?

No. The score runs entirely on this page and no credit check happens. Nothing is recorded unless you choose to email yourself the result. Credit enquiries only happen when an actual application is lodged, which is a decision you make later, with advice.

My score is low. Should I wait to talk to a broker?

The opposite. A low score means the order of moves matters most, and that conversation costs nothing. Most files that settle well started as a plan months earlier, not as a perfect file.

From the blog

View all articles
RefinancingTop-Up Loan vs Refinance: Two Ways to Borrow More Against Your Home 6 min readManaging your loanLoan Portability: Taking Your Home Loan to a New Property 6 min readBuying processBuying a House With Friends or Family: How Co-Ownership Works 6 min read

Check the estimate with a broker

Thirty minutes with Charles: what your answers mean at real lenders, which fixes move the needle, and a realistic timeline. Free, no credit check.

Book my free call or call 0423 952 184
A family in front of the sold sign at the home they bought together
Charles Touma, mortgage broker at Links Property Finance
Reviewed by Charles Touma Director & Mortgage Broker · MFAA member · Credit Representative 579003 under ACL 389328 About Charles · MFAA register · ASIC register · Complaints processEvery page is reviewed by Charles before it is published and checked against current lender policy and the official scheme pages linked where figures appear.

General information only, not credit or financial advice. The score is an indicative preparation guide, not a lending assessment; all lending is subject to individual assessment and approval by a lender.