Posts
All the articles I've posted.
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How to Refinance a Low-Doc Loan from One Lender to Another: Key Steps
**Led e**
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Documents Required for a Self-Employed Borrower to Discharge a Mortgage
The refinancing window that self-employed borrowers exploited to switch into cheaper variable rates during 2020 and 2021 has snapped shut. APRA’s decision in…
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Combining a Spouse's PAYG Income with a Self-Employed Partner's Alt-Doc Application
The number of self-employed Australians who file a joint mortgage application with a PAYG earning spouse is climbing, yet the most significant shift in borro…
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How the ATO's Tax Debt Reporting Regime Affects Self-Employed Loan Applications
Self‑employed borrowers and small‑business directors have spent two decades learning that a tax debt — if not pursued to judgment — stayed invisible to mains…
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Achieving a 90% LVR Low-Doc Home Loan: Requirements and Realities
**Lede**
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What to Do When Your Tax Return Shows a Loss but Your Business Is Profitable
More than 1.2 million Australian sole traders, contractors and small-company directors filed a 2023‑24 tax return showing a net loss for the year. For some i…
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Industry-Specific Low-Doc Options for Transport Operators and Truck Drivers
On 10 July 2023, APRA confirmed in its semi-annual macroprudential settings letter that the 3.00 percentage point serviceability buffer for residential mortg…
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Which Lenders Accept a BAS Statement as the Sole Income Proof for an Alt-Doc Loan?
The self-employed mortgage market entered a new phase in the first quarter of 2025, when three non-bank lenders revised their credit manuals to treat a singl…
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The Role of a Mortgage Originator for Complex Self-Employed Borrowing Scenarios
When the Reserve Bank cut the cash rate to 4.10% on 18 February 2025, it triggered the first easing of monetary conditions since November 2020. Two weeks lat…
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Australian Expats Who Are Self-Employed: Options for Borrowing Back Home
Australian self-employed expats are navigating a financing window that has been cracked open by a stabilising rate cycle and a patchwork of non-bank policy r…
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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…