Posts
All the articles I've posted.
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Can a Non-Resident Self-Employed Borrower Get an Australian Home Loan?
A quickening in Australian property prices across 2023 and early 2024, combined with the Reserve Bank’s cash rate holding at 4.35 per cent since November 202…
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Using Rental Income from an Existing Investment Property to Boost Serviceability
Australian mortgage serviceability calculations tightened materially after the Australian Prudential Regulation Authority (APRA) locked in a 3.0 percentage p…
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How the APRA 3% Serviceability Buffer Reduces Self-Employed Borrowing Power
Self-employed borrowers who rely on low‑doc or alt‑doc loans to fund a home purchase or refinance are navigating a serviceability framework that has not mate…
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How Debt-to-Income Ratio Caps Affect Self-Employed Borrowers in 2024
Self-employed borrowers applying for a mortgage in 2024 are confronting a borrowing capacity squeeze that home loan rate headlines alone fail to capture. Eve…
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Current Interest Rate Comparison: Low-Doc vs Full-Doc Home Loans in Australia
Self-employed borrowers and small-business owners watching the rate cycle have seen a sharp divide widen between what a salaried applicant pays and what a lo…
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What Is the Maximum LVR for a Low-Doc Home Loan with LMI?
With the Reserve Bank of Australia holding the cash rate at 4.35% since November 2023 and the mortgage serviceability buffer firmly at 3 percentage points, l…
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Using an Accountant Declaration as the Core Document in an Alt-Doc Application
The formal cash rate has sat at 4.35% since November 2023, the longest plateau since the RBA’s tightening cycle began in May 2022. For self-employed borrower…
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How Lenders Verify Dividend Income for a Company Director Applying Without Payslips
As the Reserve Bank of Australia held the cash rate at 4.35 per cent for a sixth straight meeting, the spotlight on self-employed income verification has mov…
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How to Refinance from a Low-Doc to a Full-Doc Loan After 2 Years of Tax Returns
Self-employed borrowers who financed a home or investment property with a low-documentation loan in early 2022 are approaching a critical deadline: the two-y…
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Using Equity from an Investment Property for an Asset-Based Purchase Without Income Proof
Reserve Bank governor Michele Bullock left the cash rate at 4.35% in February 2025, and variable investment loans now cluster around 6.44% p.a. For the self‑…
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Does GST Registration Over the $75,000 Threshold Improve BAS Loan Eligibility?
From 1 July 2024, the ATO-lifted GST turnover threshold to $100,000 has reset the calculus for self-employed borrowers who rely on Business Activity Statemen…
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How Cash Flow Lending Using Bank Statements Replaces Tax Returns for a Mortgage
Australia’s mortgage market shifted abruptly in late 2023, not because the Reserve Bank moved the cash rate again—it held at 4.35 per cent from November—but…