Posts
All the articles I've posted.
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Can One Year of Tax Returns Suffice for a Self-Employed Home Loan?
The Reserve Bank’s 13 cash rate increases between May 2022 and November 2023 compressed household borrowing power by roughly 30 per cent across the conventio…
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How the NCCP Act's Responsible Lending Obligations Apply to Self-Employed Borrowers
When ASIC released Report 779 in February 2024, it sent an unambiguous signal: the regulator had found material gaps in how lenders verify self-employed inco…
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How Do Lenders Assess Discretionary Trust Distributions as Personal Income?
For self-employed borrowers, a discretionary trust distribution that appears on a tax return is not income until a lender accepts it as such. That acceptance…
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How Long Does Your ABN Need to Be Active for a Low-Doc Home Loan?
The self-employed lending segment has entered a period of quiet but consequential tightening around the single most basic metric on a borrower’s file: how lo…
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Which Lenders Accept 6 Months of BAS Statements as Sole Income Proof?
The six-month BAS rule did not arrive by accident. Two regulatory tremors reshaped the non-bank low-doc landscape between mid-2023 and early 2025. First, the…
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Which Add-Backs Do Lenders Allow When Calculating Self-Employed Net Profit?
Rising official interest rates and a sustained cost-of-living squeeze have sharpened the focus on exactly how much a self-employed borrower can service. Sinc…
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What Must an Accountant's Letter Include to Satisfy Alt-Doc Lender Criteria?
Since the Reserve Bank began lifting the cash rate in May 2022, a full-doc self-employed applicant relying on two years’ tax returns has seen baseline borrow…
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Business Expansion Low-Doc Loans in Australia 2026: A Complete Guide for Self-Employed Borrowers
Explore how low-doc business expansion loans work for Australian self-employed borrowers in 2026. Compare lender requirements, interest rates, borrowing limits, and step-by-step eligibility. Data-driven insights with FAQ and expert analysis.
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Serviceability Calculator for Self-Employed Borrowers in Australia: 2026 Guide to Maximising Your Borrowing Power
Learn how serviceability calculators work for Australian self-employed borrowers in 2026. Data-driven guide with APRA buffers, RBA rates, step-by-step instructions, and FAQ to boost your loan approval chances.
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Hardship Variation for Self-Employed Australians: 2026 Guide to Loan Relief Without Losing Your Home
A data-driven guide for self-employed Australians facing mortgage stress. Learn how hardship variation works in 2026, eligibility, application steps, credit impact, and alternatives backed by RBA, AFCA, and ASIC data.
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DTI (Debt-to-Income) Ratio for Self-Employed Low Doc Loans in Australia: 2026 Complete Guide
Master DTI (Debt-to-Income) ratios for self-employed low doc loans in Australia. 2026 data-driven thresholds, how to calculate DTI with add-backs, lender tolerances up to 9x, and actionable strategies to lower your ratio. No fluff, just facts.
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Day-Rate Contractors Low-Doc Home Loan Strategy (2026): How to Secure Finance as a Self-Employed Consultant
A 2026 guide for Australian day-rate contractors and consultants to obtain a low-doc home loan. Compares lender policies, required documents, and borrowing power calculations using real data from RBA and CoreLogic. Includes FAQ and strategy tips.