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 Potts Hill

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

Nearly half of Potts Hill’s homes are owned with a mortgage, one of the highest shares in the area, and its median age is just over thirty.

Reviewed by Charles Touma Updated 18 October 2026

We’ve just bought in Potts Hill 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

Just settled in Potts Hill: how do you set the loan up well?

Link an offset to your everyday account, set the repayment date to suit your pay, and check the rate and structure match the approval.

Read more

Then review the loan every year, and before any fixed rate ends, because lenders price new customers more sharply than existing ones.

A brick house with a gabled roof
Potts Hill housing mix: 46.0% houses, 10.4% terraces and semis, 43.0% apartments (ABS Census 2021).

The housing mix in Potts Hill

Just over four in ten homes in Potts Hill are apartments, about twice the share across NSW. Here the building is assessed almost as closely as the borrower, from the strata report to the size of the complex. Potts Hill is a suburb of active borrowers: 48.3% of homes still carry a loan.

Many of those loans were priced years ago, and a rate review is often the quickest saving available. Potts Hill is small, at 483 private dwellings, so comparable sales are thin and a valuation can be harder to predict.

  • Postcode2143
  • CouncilCity of Canterbury-Bankstown
  • From the Sydney CBD21 km south west
43.0%

apartments NSW 21.7%

46.0%

separate houses NSW 65.6%

10.4%

terraces and semis NSW 11.7%

40.0%

rented NSW 32.6%

48.3%

with a mortgage NSW 32.5%

483

private dwellings

Source: ABS Census 2021, Suburbs and Localities (SAL13267).

A red-roofed house on a quiet street

Borrowing power for a Potts Hill purchase

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
★★★★★
Charles is an absolute star at what he does. He was straight-up, highly professional, and worked hard to secure a fantastic rate for our home loan. Communication was prompt and clear the entire way through. I would trust him with any future financial needs
Alan Google review
★★★★★
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.
Louie Google review

The first years after settlement in Potts Hill

The first year of a loan sets habits that last. Repayments timed with your pay, savings held in an offset account, and a buffer for unexpected costs make the loan easier to live with.

It is also worth confirming the loan features you were promised, such as the offset and redraw, are working as expected.

After a year or two, compare your rate with what lenders offer new customers for a similar loan. Your LVR may have improved through repayments or a higher valuation, which can mean a better rate.

Asking your lender first, then comparing the answer, is often enough to close the gap. What happens after settlement

A blue weatherboard cottage

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

New owners in Potts Hill

A family together in their backyard
  • Links Property Finance is based in Enfield, about fifteen minutes from Potts Hill, with conversations by phone, video or in person.The first one is about how the loan is set up and how it fits your life.
  • Nearly half of Potts Hill’s homes are owned with a mortgage, against about a third across New South Wales.Many owners here are in the early years of their loans.

The first year checklist

Keys being handed over
  • Repayments and offset.Time repayments with your pay, and keep savings in the offset if you have one.
  • A buffer.Savings for rates, insurance and repairs, so a surprise cost does not go on a credit card.

The reservoirs, the pipelines and Potts Hill housing

Potts Hill lies in the City of Canterbury-Bankstown, about twenty-one kilometres south-west of the city by its official measure, and shares postcode 2143 with Regents Park and Birrong.

Much of its area is occupied by the Potts Hill Reservoirs, owned and operated by Sydney Water, and the reservoirs and pressure tunnel are heritage-listed.

  • The suburb is named after Joseph Hyde Potts, who received a land grant here in 1833.
  • When a Potts Hill owner is reviewing a newer loan, Links compares a panel that includes ING, Macquarie, Westpac, ANZ and Resimac.
Read the full detail

The suburb is named after Joseph Hyde Potts, who received a land grant here in 1833. Two reservoirs were built between 1888 and 1923 as part of Sydney’s water supply.

After the Second World War, workers building the City Water Tunnel lived in a camp here, and from 1948 the CSIRO ran a radio astronomy field station beside the reservoir. Today homes are split between houses and apartments, and the median age is just over thirty.

When a Potts Hill owner is reviewing a newer loan, Links compares a panel that includes ING, Macquarie, Westpac, ANZ and Resimac.

Example scenario (illustrative, not a real client): a Potts Hill couple settled on their home eighteen months ago.

They check that their savings are sitting in the offset account, compare their variable rate with what lenders now offer new customers at their LVR, and ask their lender for a review before considering a refinance.

Right after settlement

Once the loan settles, set up repayments to match your pay cycle, move savings into the offset account if you have one, and check your first statement. Building insurance should already be in place from settlement.

It is also a good time to set a small monthly amount aside for rates, insurance and maintenance. What happens after settlement.

A corner cottage with a hedge

Reviewing after a year or two

Lenders often offer new customers sharper rates than existing ones. Comparing your rate once a year, and asking your lender to match what is available, can save a meaningful amount without refinancing.

If your LVR has fallen, you may qualify for a lower pricing tier. Asking for a better rate.

When does life change?

A new baby, a change of job or a fixed rate ending can all change what suits you. Lenders generally offer hardship assistance if repayments become difficult, and contacting them early matters.

Planning ahead for known changes, such as parental leave, is easier than reacting later. Parental leave and borrowing.

From settlement to your first review

Stage one. Settlement. Repayments, offset and insurance set up, and the first statement checked.

  • Stage two. The first year. A buffer built, and any features confirmed as working.
  • Stage three. The review. Your rate compared with what new customers are offered at your LVR.
  • Stage four. A better deal. Your lender asked first, and a refinance considered only if it clearly helps. Book a call or call 0423 952 184.

Settle in, review or refinance?

Three stages in the early years of a loan.

  • Settle in. Repayments, offset and a buffer set up. Features checked against what was promised.
  • Review. Rate compared after a year or two. Your lender asked to sharpen it.
  • Refinance. Only if the saving clearly outweighs the costs. A new valuation may improve your LVR.
A Federation-era house with a tiled roof and front garden

In your first years in Potts Hill

Small habits that make the loan easier.

  • Repayment timingMatched to your pay cycle.
  • Your offsetSavings held there, if you have one.
  • A bufferFor rates, insurance and repairs.
  • Your rateCompared once a year.
  • Fixed rate datesKnow when any fixed period ends.
  • Early contactSpeak to the lender early if things get tight.

Common questions from new owners in Potts Hill

What should I do right after settlement?

Set up repayments to match your pay, move savings into the offset if you have one, confirm your building insurance, and check the first statement for anything unexpected.

How soon can I ask for a better rate?

Any time, but a year or so after settlement is a common point to compare. If lenders are offering new customers less, ask your lender to review your rate.

Is it worth refinancing a loan that is only a year or two old?

Sometimes, if the saving is meaningful and outweighs the costs of switching. Often asking your existing lender for a better rate achieves much of the same.

Has my loan-to-value ratio changed since I bought?

Probably: repayments have reduced the loan and the property’s value may have moved. A lower LVR can qualify you for better pricing, and a new valuation shows where you stand.

What if my repayments become hard to meet?

Contact your lender early. Lenders have hardship processes that can include temporary changes to repayments, and acting early gives you more options.

Should I make extra repayments or keep a buffer?

Both can make sense. A buffer protects you from surprise costs, and extra repayments or an offset reduce interest. Many owners build the buffer first.

Talk to a broker about your Potts Hill home loan

Thirty minutes with Charles: what you could borrow, which lenders suit Potts Hill property and what to do next. Free, with no credit check.

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
Deposits and schemesHelp to Buy in NSW: The Shared Equity Scheme 7 min readBuying processThe First Home Buyer Checklist 7 min readBuying processShould I Get Pre-Approval Before an Auction? 7 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.