Posts
All the articles I've posted.
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How to Document Cash Income for a Home Loan When Bank Deposits Are Incomplete
For self-employed Australians whose income includes cash payments, the pathway to a home loan narrowed significantly in the final quarter of 2024. A combinat…
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Does BAS Lodgement Frequency (Quarterly vs Monthly) Affect Loan Approval?
When the Reserve Bank lifted the cash rate to 4.35 per cent in November 2023 and held it there for over a year, non-bank and specialist lenders began retesti…
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How Superannuation Can Support a Self-Employed Home Loan Application
*For a self-employed borrower, superannuation has long been the asset lenders see but rarely touch—a locked box visible on the balance sheet but stubbornly a…
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Using Shares or Managed Funds as Security for an Asset-Lend Home Loan
The self-employed borrower cohort has expanded at a pace the standard mortgage factory never built for. ATO figures for the 2022‑23 income year recorded more…
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Why Self-Employed Borrowers Pay a Higher Interest Rate and How to Negotiate It Down
Self-employed borrowers in Australia have watched the interest rate premium on low-documentation mortgages stretch from a modest 50–70 basis points in 2021 t…
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How Lenders Treat a Newly Registered ABN in an Alt-Doc Application
Australian mortgage brokers who have been writing alt-doc loans for more than five years will remember a period when a recently issued ABN barely caused an u…
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Specialised Low-Doc Home Loan Options for Doctors and Medical Contractors
As the Reserve Bank delivered its first cash rate reduction in over four years in late February 2025, attention swung back to housing affordability—but the e…
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Using an Accountant's Letter for a Self-Employed Construction Loan: What It Must State
For the 2023–24 rate cycle, self-employed borrowers chasing construction finance have been pushed into a corner neither the Reserve Bank nor APRA has express…
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Can a Sole Trader with Unpaid ATO Tax Debts Still Qualify for an Alt-Doc Loan?
Unpaid tax obligations are no longer a matter confined to the annual BAS cycle. A $47 billion collectible debt book has pushed the Australian Taxation Office…
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What Minimum Net Profit Do Lenders Require for a Self-Employed Home Loan?
Australian self-employed borrowers face a distinct hurdle in 2025 that has little to do with their actual cash position and everything to do with how lenders…
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How Dividend Imputation Credits Factor into a Self-Employed Borrower's Capacity
As the Reserve Bank holds the cash rate at 4.35% and non‑bank lenders tighten serviceability buffers, the treatment of dividend imputation credits has become…
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Low-Doc Loan Exit Strategies: When and How to Switch to a Full-Doc Product
Self‑employed borrowers who entered a low‑doc or alt‑doc loan between 2022 and 2024 did so at a time when traditional lender appetite for business income was…