Western Sydney is where most of Sydney’s buying happens: the first-home heartland, Parramatta’s towers, granny flats on full blocks and the new estates. Charles puts the government supports to work properly.
Yes, more than anywhere else in Sydney. The $1.5 million cap on the 5% Deposit Scheme covers the overwhelming majority of Western Sydney property, houses included, and the $800,000 stamp duty exemption catches real family homes here, not just studios.
Across the 14 suburbs on this page apartments are 41 per cent of homes and 50 per cent of households rent, so sequencing scheme places, approvals and settlement decides whether you buy this year or rent three more.
Find your suburb, then open its page for what lenders look for locally.
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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.
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 found Charles and Links Property Finance very prompt and professional to deal with. Made it all so easy.
Across the 14 suburbs on this page, apartments are 41% of homes against 21.7% statewide, and 50% of households rent. That mix is why lender rules on strata, building size and postcode come up so often here.
separate houses NSW 65.6% · highest Abbotsbury (98.1%)
terraces and semis NSW 11.7%
apartments NSW 21.7% · highest Sydney Olympic Park (99.8%)
rented homes NSW 32.6% · highest Parramatta (70.2%)
homes with a mortgage NSW 32.5%
private dwellings counted 14 suburbs on this page
Weighted by dwellings across the 14 suburbs this page covers. Source: ABS Census 2021, Suburbs and Localities.
Sydney Olympic ParkLidcombeAuburnBeralaNewingtonRegents ParkParramattaMerrylandsFairfieldSeven HillsBlacktownAbbotsburyMount DruittPenrith
Distances and councils from each suburb's published profile; housing mix from ABS Census 2021 dwelling structure. Each suburb links to its own page with the local lending detail.
Charles Touma, Mortgage Broker.
For eligible first home buyers the 5% Deposit Scheme and the NSW duty exemption usually apply together, a new build may add the $10,000 First Home Owner Grant, and Help to Buy’s shared equity is a lower-deposit alternative inside its caps.
They are assessed separately, so a buyer can qualify for one and not another, and the order of places, approvals and settlement is planned before you offer.
Parramatta towers bring concentration caps, internal size rules and settlement valuations in developments where many units complete together. One side of a new duplex is assessed on its title, Torrens or two-lot strata.
A granny flat is funded on approved plans, and only some lenders count its rent toward borrowing power, which decides whether it helps the loan.
Yes, by title. A Torrens title duplex half is assessed like a house, on its land and condition. A half held as a lot in a two-lot strata scheme brings the scheme’s insurance and records into the assessment, and a few lenders want extra comfort on such small schemes.
It can be. The build is funded on approved plans through a construction loan or a top-up, and some lenders count a share of the expected rent toward your borrowing power while others count none. Whether it pays overall is a question for your accountant as well as your broker.
Yes, routinely, when the paperwork is right. Joint applications across generations, documented gifts and family guarantees are all accepted, with each borrower assessed on income and each owner on the title. Independent legal advice is required for guarantors, and the structure is agreed before the offer.
The lender lends against its valuation, so the shortfall comes from your deposit. On a new estate or tower where many homes settle together that risk is real, which is why the buffer, the lender and the timing are chosen at exchange rather than discovered at settlement.
Yes. The $1.5 million Sydney cap covers most Western Sydney houses, not only apartments, for eligible first home buyers with no income caps and unlimited places. Pair it with the NSW duty exemption to $800,000 and the cash needed at settlement falls to the deposit plus legal fees and inspections.
Thirty minutes with Charles: what you could borrow, which lenders suit Western Sydney property and what to do next. Free, with no credit check.
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Open a suburb for its housing mix, the lending issues buyers there tend to meet and the tools that help before you inspect.
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.
