Category
Self-Employed & Business
Low-doc loans, ABN holders, and finance options for self-employed Australians.
Buying a home through your business or in a trust: what to consider
Buying a home through a company or trust in Australia? What it means for your home loan, tax, and ownership. A clear guide from a mortgage broker.
Add-backs explained: how lenders actually calculate self-employed income
How lenders use add-backs to calculate self-employed income for home loans. The expenses that can be added back, and why it matters.
The two-year rule isn't always two years: how to get a home loan with less self-employed history
The "two year rule" for self-employed home loans isn't always two years. The exceptions, pathways, and how to qualify with less trading history.
How long do I need to be self-employed before I can get a home loan?
How long do you need to be self-employed before applying for a home loan in Australia? A clear answer with the exceptions that matter.
Sole trader vs company: why how you pay yourself matters for your home loan
How lenders treat sole trader vs company income for home loans, and why paying yourself properly matters more than how much your business turns over.
Self-employed and separating: why your home loan story gets harder
Self-employed and going through separation in Australia? Why your home loan story gets more complicated, and the steps that help you land on your feet.
Low-doc and alt-doc home loans in Australia: what they are and who they're for
Low-doc and alt-doc home loans explained for Australian self-employed borrowers. How they work, what they cost, and whether one might suit you.
Getting a home loan when you're self-employed: what lenders actually want to see
Self-employed and applying for a home loan in Australia? A clear guide to what lenders look at, the documents you need, and how to strengthen your application.