Links Property Finance · Mortgage broker in Sydney: Partner With Links Property Finance

Charles Touma handles the file personally from first conversation to settlement. There is no handover to a processing team, no rotating point of contact, and no situation where your client explains their circumstances three times to three different people.

When you introduce someone, you know who is dealing with them.

Australian brokers work under a Best Interests Duty, a legal obligation to act in the client's interests when recommending a loan. That duty is owed to the borrower, not to the person who made the introduction.

It is worth stating plainly, because it is also the reason a referral relationship is safe to have: the advice your client receives is not shaped by who sent them.

With the client's permission, you are told the things that affect your own work: whether finance is on track, the realistic timeline, and any obstacle that changes what you should be advising.

You are not sent their income, their credit file, their bank statements or anything else that is theirs rather than yours. Privacy obligations run to the client, and a referrer is not an exception to them.

If a client would rather you were not updated at all, that is their call and it is respected without explanation.

Most finance problems are discovered late: a valuation that lands short a week before settlement, a structure that turns out to be unfundable, a borrowing figure that was optimistic. Involving a broker early converts those into decisions rather than emergencies.

For you that means fewer collapsed contracts, fewer extension requests, and fewer clients whose plans change after you have already done the work.

The tension is familiar: the structure that minimises tax is often the structure that reduces borrowing capacity, and the client wants both. Involving a broker before the financials are finalised means the trade-off is a conscious choice rather than a surprise in March.

Trust and company borrowing, add-backs, one-year assessments and low-doc routes are all normal territory here.

Your client needs a bid ceiling that funds, not an estimate. Pre-approval assessed against written lender policy, valuation risk flagged before auction, and a broker reachable on a Saturday morning is the practical difference between advising confidently and hoping.

Finance clauses, extension requests and settlement dates are easier when someone tells you early that a valuation came in low or an approval is conditional. We would rather give you two weeks' notice of a problem than an apology on the day.

Debt structure affects the strategy you are building: offset against redraw, deductible against non-deductible, fixed against variable, whether a facility can be split. We handle the lending and stay out of the advice, which is where the line properly sits.