Tag: Using Assets & Equity
All the articles with the tag "Using Assets & Equity".
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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…
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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 Superannuation Can Support a Self-Employed Home Loan Application
*For a self-employed borrower, superannuation has long been the asset lenders see but rarely touch—a locked box visible on the balance sheet but stubbornly a…
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Using Shares or Managed Funds as Security for an Asset-Lend Home Loan
The self-employed borrower cohort has expanded at a pace the standard mortgage factory never built for. ATO figures for the 2022‑23 income year recorded more…
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Using a Guarantor to Secure a Loan When Self-Employed Income Proof Isn't Enough
In the 12 months to March 2025, APRA’s serviceability floor for non-bank low-doc lending held firm at 3.0 percentage points above the product rate, while six…
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How to Finance an Investment Property Without Tax Returns Using Alt-Doc Lending
Borrowing conditions for self‑employed Australians deteriorated sharply through 2024, not because their businesses weakened but because the standard credit r…
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Resimac Asset-Based Lending Terms: A Guide for Self-Employed Borrowers
With the Reserve Bank holding the cash rate at 4.35 per cent into the first half of 2025 and APRA’s 3‑percentage‑point serviceability buffer unchanged since…
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How an Offset Account Helps Self-Employed Borrowers Manage Irregular Cash Flow
Self-employed income rarely arrives in neat fortnightly bundles. BAS-cycle fluctuations, deferred client payments and seasonal revenue peaks can leave a sole…
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Why a Redraw Facility Is Valuable for Self-Employed Borrowers with Fluctuating Income
Self-employed income does not arrive in neat fortnightly instalments. A contractor might invoice $38,500 in March and nothing in April. A café owner might ba…
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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‑…