# LINK Advance

> Brisbane mortgage and finance brokers, part of the LINK group. One broker from first call to settlement with a team of five behind them, 35+ lenders, 5.0 Google rating across 262 reviews. Fortitude Valley, Brisbane; lending Australia-wide. Your broker for life.

Credit: brokers are authorised credit representatives of Connective Credit Services Pty Ltd ACN 143 651 496 (Australian Credit Licence 389328). General information only, not credit advice.

Cost: on a standard home loan the lender pays our commission on settlement and discloses it to you in full. Some work does carry a client fee - bridging, and cases where clawback applies - agreed in writing before any work starts. The full picture is on the broker fees page below.

## Loans
- [Mortgage brokers Brisbane](https://linkadvance.com.au/): one broker per client, 35+ lenders, and a look at your loan every six months after settlement
- [Home loans Brisbane](https://linkadvance.com.au/home-loans-brisbane): broking across 35+ lenders, with repricing revisited every six months
- [How mortgage brokers get paid](https://linkadvance.com.au/mortgage-brokers-brisbane): upfront and trailing commission, clawback, when a broker charges the client a fee, and what must be disclosed before you apply
- [Refinancing](https://linkadvance.com.au/refinancing-brisbane): a review against 35+ lenders, or a price-match push at your current lender; switching costs typically $800-$1,300
- [Bridging loans](https://linkadvance.com.au/bridging-loans): buy the next home before the current one sells, with peak debt, end debt and capitalised interest explained with a worked example
- [First home buyer loans](https://linkadvance.com.au/first-home-buyers-loan): 5% deposit paths, grants and pre-approval
- [Investment loans](https://linkadvance.com.au/investment-home-loans): structure-first investor lending
- [Construction loans](https://linkadvance.com.au/construction-loans-brisbane): progress-payment lending for new builds
- [SMSF loans](https://linkadvance.com.au/smsf-mortgage-broker): LRBA lending incl. business premises through super (strategy with LINK Wealth)
- [Business loans](https://linkadvance.com.au/business-loans): growth, cash flow, premises, acquisition
- [Car & equipment finance](https://linkadvance.com.au/business-car-and-equipment-loans): chattel mortgage, lease, personal
- [Home loans for doctors](https://linkadvance.com.au/home-loans-for-doctors): LMI waived to 90-95% LVR for eligible medical professionals, no price caps

## Commercial
- [Commercial lending](https://linkadvance.com.au/commercial-lending): the hub: premises, working capital, acquisitions, development; bank, non-bank and private lenders compared
- [Commercial property loans](https://linkadvance.com.au/commercial-property-loans): premises, investment and SMSF commercial, typical LVRs 65-80%
- [Working capital finance](https://linkadvance.com.au/working-capital-finance): invoice finance, overdrafts, trade, matched to the cash-flow gap and priced honestly
- [Business acquisition loans](https://linkadvance.com.au/business-acquisition-loans): 50-70% funded against maintainable earnings; add-backs explained
- [Development finance](https://linkadvance.com.au/development-finance): 65-80% TDC staged drawdowns, presale and no-presale paths
- [Second tier lenders](https://linkadvance.com.au/second-tier-lenders): what second and third tier lending is, why the order you borrow in decides how far a portfolio goes, plus a weighted average cost of capital calculator
- [Business Borrowing Health Check](https://linkadvance.com.au/business-borrowing-health-check): score your fundability out of 10: structure, numbers, profit, add-backs, ATO, facilities, security

## First home
- [First Home Buyers Grant QLD](https://linkadvance.com.au/first-home-buyers-grant): the $30,000 grant: every eligibility test plus a 2-minute checker
- [First Home Guarantee](https://linkadvance.com.au/first-home-guarantee): 5% deposit, no LMI; no income caps since Oct 2025, downsides stated honestly
- [First Home Super Saver](https://linkadvance.com.au/first-home-super-saver): the deposit built inside super at 15% tax: mechanics, traps and how it stacks

## Tools (on-screen, no email wall)
- [Home equity calculator](https://linkadvance.com.au/home-equity-calculator): usable equity vs total equity, LMI above 80%, and what it buys after duty
- [All calculators & checks](https://linkadvance.com.au/calculators): the hub for all eleven tools
- [Rentvesting calculator](https://linkadvance.com.au/rentvesting-calculator): the achieved rent where you live against the rent and published gross yield where you'd buy, from state bond-lodgement data
- [Home Loan Health Check](https://linkadvance.com.au/home-loan-health-check): score your loan out of 10 across rate, review, structure, fit, equity and attention
- [Borrowing power calculator](https://linkadvance.com.au/borrowing-power-calculator): assessed the way lenders do: net income, expense floors, the 3% APRA buffer, the 3.8%/month card-limit rule
- [Repayments calculator](https://linkadvance.com.au/home-loan-repayment-calculator): monthly/fortnightly/weekly, total interest, +3% stress test, extra-repayment savings
- [Offset account calculator](https://linkadvance.com.au/offset-account-calculator): interest saved and years off the term, plus what a savings account would have to pay before tax to match an offset
- [LMI calculator](https://linkadvance.com.au/lenders-mortgage-insurance-calculator): indicative premiums by LVR plus the four ways to avoid LMI
- [Stamp duty QLD calculator](https://linkadvance.com.au/stamp-duty-calculator-qld): 2026 rates incl. zero duty for first-home new builds

## About
- [Meet the brokers](https://linkadvance.com.au/about-us): Hugh (founder), Callum (first home), Jacob (complex/SMSF/commercial)
- [Reviews](https://linkadvance.com.au/reviews): 119 Google reviews published in full, verbatim; 262 on the Google listing
- [Articles](https://linkadvance.com.au/blog): 34 articles across home loans, first home buyers, investing and business finance
- [Contact](https://linkadvance.com.au/contact-us): 07 2101 4374, Level 1, 57 Berwick St, Fortitude Valley QLD 4006