Posts
All the articles I've posted.
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Can a Trust Structure Borrow Under Alt-Doc Conditions? What Lenders Require
As the Reserve Bank held the cash rate at 4.35% for a ninth consecutive meeting in March 2025, the convergence of the highest borrowing costs since 2011 and…
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Using Redraw from an Existing Home as a Deposit for Your Next Property Purchase
The Reserve Bank of Australia’s cash rate cycle may have stalled, but for self-employed borrowers the most significant regulatory shift in a decade took effe…
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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…