More than a home loan. A plan for what's next.
A home is more than bricks and mortar. It's where life happens, memories are made and future plans take shape.
But before you fall in love with a property, it's worth understanding what your finances can support.
At LINQ CAPITAL, we take the time to understand your circumstances, explain your borrowing options and help you navigate the home loan process with greater clarity and confidence.
From your first conversation to settlement, we're here to help you make informed decisions at every step.
A home loan should fit your life — not the other way around.
Every borrower has a different story. That's why we look beyond the headline interest rate.
We understand your goals. We start by learning what you're trying to achieve, your current circumstances and your plans for the future.
We explore your options. We compare suitable lending products available through our lending panel, taking into account relevant rates, fees, features and eligibility.
We explain the details. From repayments and offset accounts to deposit requirements and loan structures, we'll help you understand the important considerations.
We guide you through the process. From preparing your application to working towards settlement, we help you navigate the steps involved.
No unnecessary jargon. No one-size-fits-all approach. Just a considered conversation about your options.
Before you find the house, find your footing.
Whether you're just starting to explore or ready to make an offer, understanding your finance is a smart first step.
Let's have a conversation about where you want to go and how we may be able to help.
First home buyers
Your first home starts with a conversation.
Buying your first home can feel like a lot. How much can I borrow? How much deposit do I need? What government schemes might apply? Which lender is right for me?
We’ll help you understand your borrowing position, deposit and upfront costs, suitable lending options, application preparation and the journey through to settlement.
No jargon. No judgement. No pressure.
Bridging Finance
Buying before selling?
Sometimes the right property appears before your existing property has sold. Bridging finance may provide a way to manage the transition between properties.
We’ll help you understand existing property position, proposed purchase, peak debt, interest and costs, expected sale proceeds, exit strategy and lender requirements.
Self-Employed
Self-employed shouldn’t mean overlooked.
When income doesn’t fit neatly into a payslip, lending can become more complicated. Business structures, company income, trusts, BAS, tax returns, add-backs and multiple income sources can be assessed differently by lenders.
We’ll help you understand how your circumstances may be assessed and explore lending options that may be appropriate.