Posts
All the articles I've posted.
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Does Having an ATO Tax Debt Affect a Self-Employed Home Loan Application?
At the close of the 2023‑24 financial year, the Australian Taxation Office held more than $50 billion in collectable debt, with small‑business and self‑emplo…
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Using Business Bank Statements Instead of Personal for Cash Flow Lending
Since October 2024, the non-bank lending sector has been re-pricing risk around self-employed borrowers at a speed the major banks have not matched. That mon…
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How to Document Seasonal Income from a Tourist Business for a Home Loan Application
The Reserve Bank of Australia’s February 2025 cash rate reduction to 4.10%—the first cut since November 2020—did not lower the serviceability buffer that len…
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How an ABN Confirmation Letter from Your Accountant Supports a Loan Application
The Reserve Bank of Australia’s first cut in more than a year—a 25‑basis‑point reduction to 4.10% on 18 February 2025—reopens borrowing headroom for the self…
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Resimac Asset-Based Lending Terms: A Guide for Self-Employed Borrowers
With the Reserve Bank holding the cash rate at 4.35 per cent into the first half of 2025 and APRA’s 3‑percentage‑point serviceability buffer unchanged since…
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Liberty Financial's Alt-Doc Loan for Contractors with Variable Income: An In-Depth Look
The 12 months to February 2025 delivered a 25‑basis‑point cash rate cut, but the serviceability buffer applied to new residential originations remained ancho…
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Bluestone vs Pepper Money Low-Doc Home Loans: Key Differences for Self-Employed Borrowers
Self‑employed borrowers who watched the Reserve Bank cut the cash rate by 25 basis points on 6 May 2025, to 4.10 per cent, might reasonably expect that mortg…
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Getting Pre-Approved When Your Last Tax Return Isn't Completed: A Step-by-Step Guide
Self-employed borrowers entered 2025 with a planning dilemma that the broader mortgage market has yet to fully price. The Reserve Bank board held the cash ra…
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How an Offset Account Helps Self-Employed Borrowers Manage Irregular Cash Flow
Self-employed income rarely arrives in neat fortnightly bundles. BAS-cycle fluctuations, deferred client payments and seasonal revenue peaks can leave a sole…
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Why a Redraw Facility Is Valuable for Self-Employed Borrowers with Fluctuating Income
Self-employed income does not arrive in neat fortnightly instalments. A contractor might invoice $38,500 in March and nothing in April. A café owner might ba…
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Construction Loans for Self-Employed Builders: Documents and Criteria
On 8 July 2024, the Australian Prudential Regulation Authority formally scrapped the 3.0‑percentage‑point serviceability buffer floor that had framed home‑lo…
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Combining a Partner's PAYG Income with a Low-Doc Application: How It Works
When the Reserve Bank board left the cash rate unchanged at 4.35 per cent for a sixth consecutive meeting on 6 August 2024, it locked self‑employed borrowers…