Posts
All the articles I've posted.
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Self-Employed Home Loan Requirements Australia: Documents, Income Proof & Tips (2026)
A data-backed guide to self-employed home loan requirements in Australia for 2026. Learn exactly which mortgage documents and proof of income you need, how banks assess sole traders and company directors, and 8 actionable tips to strengthen your low-doc application.
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Using the Anticipated Rental Yield of a Proposed Investment Property for Serviceability
The arithmetic of borrowing capacity for self-employed investors has shifted with a speed that leaves conventional serviceability models trailing behind. Sin…
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The Difference Between a Letter of Employment and an Accountant's Letter for Self-Employed
The pool of self-employed home buyers who cannot produce a consecutive run of PAYG payslips has spent much of 2024 watching their borrowing options narrow. N…
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Proving Income When Your Business Has Been Active for Less Than 12 Months
The Reserve Bank’s cash rate target has sat at 4.35% since November 2023, and the mortgage market has not seen a single cut across the entire tightening cycl…
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How to Apply for a Mortgage as a Freelancer with Multiple ABNs
Freelance income derived through multiple Australian Business Numbers (ABNs) has long been a blind spot in Australia’s mortgage underwriting. The major banks…
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How the ATO's Benchmarking Tool Can Influence a Self-Employed Loan Assessment
For self-employed borrowers seeking a home loan, the Australian Taxation Office’s industry benchmarking data is no longer a mere curiosity for tax time. In m…
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Using Business Income Projections for a Start-Up Alt-Doc Home Loan
The past 18 months have peeled away much of the cushion that once made self-employed home lending a straightforward proposition. When APRA formally withdrew…
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No Deposit Home Loan Options for First-Time Buyers Who Are Self-Employed
The Reserve Bank’s decision to hold the cash rate at 4.35% through the first half of 2025 has compressed borrowing capacity for every cohort, but the deposit…
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Getting a Home Loan When You're Self-Employed and Under ATO Tax Audit
For a self‑employed borrower, a tax audit is no longer a distant regulatory possibility. It is a live event that can derail a home‑loan application within da…
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Loan Portability for a Self-Employed Borrower Moving to a New Home
The Reserve Bank of Australia held the cash rate at 4.35% for a seventh consecutive meeting in March 2025, and the futures market is pricing a cut no earlier…
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Can a Trust Structure Borrow Under Alt-Doc Conditions? What Lenders Require
As the Reserve Bank held the cash rate at 4.35% for a ninth consecutive meeting in March 2025, the convergence of the highest borrowing costs since 2011 and…
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Using Redraw from an Existing Home as a Deposit for Your Next Property Purchase
The Reserve Bank of Australia’s cash rate cycle may have stalled, but for self-employed borrowers the most significant regulatory shift in a decade took effe…