Posts
All the articles I've posted.
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Low Doc Home Loan Interest Rates Compared: Best Deals 2026
Compare the best low doc home loan interest rates in Australia for 2026. See current rates from top lenders, understand how low doc rates work, and learn the steps to secure the sharpest deal as a self-employed borrower.
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Low Doc Home Loans Australia 2026: Complete Guide for Self-Employed Borrowers
Everything self-employed Australians need to know about low doc home loans in 2026: eligibility, rates, required documents, and how to qualify without tax returns. Data-driven guide with RBA and CoreLogic insights.
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Self-Employed Home Loan Requirements Australia: Documents, Income Proof & Tips (2026)
A data-backed guide to self-employed home loan requirements in Australia for 2026. Learn exactly which mortgage documents and proof of income you need, how banks assess sole traders and company directors, and 8 actionable tips to strengthen your low-doc application.
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Using the Anticipated Rental Yield of a Proposed Investment Property for Serviceability
The arithmetic of borrowing capacity for self-employed investors has shifted with a speed that leaves conventional serviceability models trailing behind. Sin…
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The Difference Between a Letter of Employment and an Accountant's Letter for Self-Employed
The pool of self-employed home buyers who cannot produce a consecutive run of PAYG payslips has spent much of 2024 watching their borrowing options narrow. N…
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Proving Income When Your Business Has Been Active for Less Than 12 Months
The Reserve Bank’s cash rate target has sat at 4.35% since November 2023, and the mortgage market has not seen a single cut across the entire tightening cycl…
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How to Apply for a Mortgage as a Freelancer with Multiple ABNs
Freelance income derived through multiple Australian Business Numbers (ABNs) has long been a blind spot in Australia’s mortgage underwriting. The major banks…
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How the ATO's Benchmarking Tool Can Influence a Self-Employed Loan Assessment
For self-employed borrowers seeking a home loan, the Australian Taxation Office’s industry benchmarking data is no longer a mere curiosity for tax time. In m…
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Using Business Income Projections for a Start-Up Alt-Doc Home Loan
The past 18 months have peeled away much of the cushion that once made self-employed home lending a straightforward proposition. When APRA formally withdrew…
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No Deposit Home Loan Options for First-Time Buyers Who Are Self-Employed
The Reserve Bank’s decision to hold the cash rate at 4.35% through the first half of 2025 has compressed borrowing capacity for every cohort, but the deposit…
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Getting a Home Loan When You're Self-Employed and Under ATO Tax Audit
For a self‑employed borrower, a tax audit is no longer a distant regulatory possibility. It is a live event that can derail a home‑loan application within da…
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Loan Portability for a Self-Employed Borrower Moving to a New Home
The Reserve Bank of Australia held the cash rate at 4.35% for a seventh consecutive meeting in March 2025, and the futures market is pricing a cut no earlier…