0423 952 184 Book a free call
First home buyers Contact
Book a free call Call 0423 952 184
Call Charles Book a meeting
Mortgage Broker Lidcombe

Links Property Finance · Home loans in Lidcombe and across Sydney: Mortgage Broker in Lidcombe

Lidcombe mixes houses, semis and apartments, and its median age is in the early thirties, with many residents working towards a first home.

Reviewed by Charles Touma Updated 18 October 2026

I’m buying in Lidcombe 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

Using the First Home Super Saver Scheme in Lidcombe: how do you time the release?

Apply to the ATO for the release before you sign a contract, then sign within the time allowed after release. The released amount can go toward the deposit, and lenders treat it as your savings.

Read more

Planning the release around pre-approval keeps the deposit ready when you find the property.

A blue weatherboard cottage
Of Lidcombe's homes, 38.7% are houses, 16.2% terraces and semis and 44.6% apartments (ABS Census 2021).

How a lender reads an address in Lidcombe

Just over four in ten homes in Lidcombe are apartments, about twice the share across NSW. Ask for the strata report early on any unit here: special levies and disputes change the loan conversation more than the rate does.

  • Postcode2141
  • CouncilCumberland City Council
  • From the Sydney CBD15 km west
44.6%

apartments NSW 21.7%

38.7%

separate houses NSW 65.6%

16.2%

terraces and semis NSW 11.7%

43.6%

rented NSW 32.6%

32.4%

with a mortgage NSW 32.5%

9,023

private dwellings

Source: ABS Census 2021, Suburbs and Localities (SAL12325).

A corner cottage with a hedge

How much could you borrow for Lidcombe?

How much could you borrow?

$140,000
None

What moves the number

Choose any that apply. Each shows roughly how much it changes the figure, the way a lender’s assessment would.

$635,000

is an indicative borrowing figure at today’s typical rates. Lenders typically count around 80% of rental income, which is why an investment purchase can lift your number, your real figure comes from a proper assessment.

Confirm your numbers.

Charles Touma, mortgage broker at Links Property Finance
5.0 from 32 Google reviews

Real outcomes for real borrowers.

★★★★★
Charles Touma from Links Property Finance was a great help with buying my first home. I had plenty of questions and he took the time to explain things clearly without making me feel rushed. He kept me updated throughout and made the process much less stressful. Really appreciated his patience and would happily recommend him to other first home buyers.
Catherine 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
★★★★★
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.
Anthony Google review

The First Home Super Saver scheme in Lidcombe

The First Home Super Saver scheme lets eligible first home buyers make voluntary contributions to their super and later apply to release them, with associated earnings, towards a first home.

Contributions and releases are subject to annual and total limits set by the ATO, and the released amount is taxed at a concessional rate.

The timing is the part to plan. You apply to the ATO for a determination and then a release, and the money can take several weeks to arrive.

The ATO also sets rules about when you must request the release relative to signing a contract, and a limited period to buy afterwards, so check its current guidance before you sign anything. The super saver scheme in detail

A brick house with a gabled roof

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

First home buyers in Lidcombe

A couple carrying boxes on moving day
  • Links Property Finance is based in Enfield, about fifteen minutes from Lidcombe, with conversations by phone, video or in person.The first one is about your savings, your super and your timing.
  • Lidcombe has a mix of houses, semis and apartments, and a median age in the early thirties.Many buyers here are working towards a first home near the station.

Planning the release

A first home buyer working through their numbers at the kitchen table
  • Request the determination early.Knowing your releasable amount before you start looking makes the budget clearer.
  • Allow time for the money.Released funds can take several weeks to reach your account, which matters for deposit and settlement dates.

John and Joseph streets, the railway and Lidcombe housing

Lidcombe lies about fifteen kilometres west of the city, mostly in Cumberland Council with a small industrial part in the north in the City of Parramatta. Its two main streets, John and Joseph, are named after Therry.

A railway station called Haslam’s Creek opened here in 1859, after the landowner Father John Joseph Therry and neighbouring landholders agreed to help pay for it, and Lidcombe remains a busy rail interchange.

  • Rookwood Cemetery and Necropolis and the former Lidcombe Hospital precinct are both heritage-listed.
  • When a Lidcombe buyer is combining schemes, Links compares a panel that includes Resimac, ING, Westpac, Macquarie and ANZ.
Read the full detail

Rookwood Cemetery and Necropolis and the former Lidcombe Hospital precinct are both heritage-listed. After the Second World War many European migrants, including a large Ukrainian community, settled here, and Lidcombe is still a centre of Ukrainian community life in Sydney.

The former industrial land near Homebush Bay later became Sydney Olympic Park. Today apartments make up a little under half of Lidcombe’s homes.

When a Lidcombe buyer is combining schemes, Links compares a panel that includes Resimac, ING, Westpac, Macquarie and ANZ.

Example scenario (illustrative, not a real client): a Lidcombe renter has made voluntary super contributions for several years under the First Home Super Saver scheme.

Before looking at apartments, they request an FHSS determination from the ATO, check the current rules on timing, and plan the release so the money arrives in time for settlement, alongside the 5% Deposit Scheme.

How do lenders treat super saver money?

Once released, the money sits in your bank account like other savings. Many lenders treat it as genuine savings because it was accumulated over time in super, but policies differ, so it is worth confirming with the lender you apply to.

If the release has not arrived by the time you apply, ask the lender how it will treat the amount shown on your determination, because policies differ. Genuine savings explained.

A red-roofed house on a quiet street

Combining it with other schemes

The super saver scheme can be used alongside the 5% Deposit Scheme and NSW first home buyer stamp duty concessions, provided you meet each scheme’s criteria. Together they can reduce both the deposit you need and the costs of buying.

Each has its own rules and timing, so lining them up before you start looking avoids gaps. First home buyer schemes in NSW.

Buying as a couple

If you are buying with a partner, each of you can use the super saver scheme for your own contributions, provided you are both eligible. That can meaningfully increase the combined deposit.

The lender assesses both incomes together, and the timing of both releases needs to line up. Buying with a partner.

Super saver, 5% scheme or both?

Three ways first home buyers here combine help, and what each means.

  • Super saver only. Adds to your deposit from voluntary contributions. Timing the release is the main thing to plan.
  • 5% Deposit Scheme only. A 5% deposit without mortgage insurance, if eligible. Subject to criteria and price caps.
  • Both together. A larger deposit and a smaller one required. Each scheme’s rules and timing must line up.

What should I check before using super saver money in Lidcombe?

The steps that keep the release on time.

  • Your contributionsCheck what you have made under the scheme.
  • A determinationRequest one from the ATO before you commit.
  • The ATO timing rulesCheck the current rules on requesting the release.
  • Processing timeAllow several weeks for the money to arrive.
  • Other schemesWhether the 5% Deposit Scheme also fits.
  • Stamp dutyAnd any first home concession that applies.

Common questions about buying in Lidcombe

What is the First Home Super Saver scheme?

A federal scheme that lets eligible first home buyers make voluntary contributions to super and later release them, with associated earnings, towards a first home, within limits set by the ATO.

How long does a super saver release take?

It can take several weeks from when you request the release to when the money reaches your account. Planning for that time avoids a gap at deposit or settlement.

Do I need to request the release before I sign a contract?

Request the FHSS determination before you sign; the release itself can follow within a deadline after signing. Check the ATO’s current guidance first, because the wrong order can cause problems.

Do lenders count super saver money as genuine savings?

Many do, because it was accumulated over time, but policies differ. Confirming with the lender before you apply is sensible.

Can I use the super saver scheme with the 5% Deposit Scheme?

Yes, if you meet the criteria for both. They can work together, along with NSW first home buyer stamp duty concessions.

Can my partner and I both use it?

Yes, if you are both eligible. Each person can release their own eligible contributions, which can increase the combined deposit.

Talk to a broker about your Lidcombe home loan

One free call covers what you could borrow in Lidcombe, the lenders that suit the property you want and the order to do things in.

Book my free call or call 0423 952 184
Prefer a callback?

Charles Touma, mortgage broker at Links Property FinanceCharles calls back within one business day. No documents needed yet.

A family in front of the sold sign at the home they bought together

From the blog

View all articles
Buying processWhat Happens at Settlement in NSW, and How Long It Takes 7 min readDeposits and schemesHow to Save a House Deposit While Renting in Sydney 6 min readBuying processBuying a House With Friends or Family: How Co-Ownership Works 6 min read
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. Lender policies and government scheme criteria differ and change over time. All lending is subject to individual assessment and approval.