Self-Employed and Low Doc Home Loans Craigburn Farm

Two full financial years of tax returns and ATO notices of assessment remain the strongest evidence you can hand a lender, so we start here whenever your accountant has finished, because this pathway unlocks the widest panel and highest ceilings.

Activity statements from the last two years can substitute for full returns at many panel lenders, and we pair them with your business bank statements so declared turnover and banked income tell one consistent story rather than two competing ones.

Twelve or twenty-four months of business and personal bank statements now support applications at a growing list of lenders, and we categorise deposits, exclude transfers between your accounts and present figures the assessor will genuinely accept rather than raw downloads.

A signed declaration from your registered accountant confirming trading income, business stability and outlook satisfies some lenders without returns at all, and we keep a template on file so your accountant knows precisely which boxes must be ticked before signing.

One full year of returns opens doors at selected lenders where two years is the blanket rule, and the trick is knowing which assessor will read a strong single trading year on its merits rather than bouncing the file automatically.

Contractors, freelancers and ABN holders on day rates often present better through contracts and payment history than through tax figures, so we map your engagements, hourly or daily earnings and renewal prospects into a case each lender can genuinely approve.

Low doc and alt doc lending usually costs more than a full document loan because the lender carries extra risk, and we quantify that premium in dollars against your borrowing size, then compare it with the cost of simply waiting.

Borrow above roughly eighty per cent of the property's value and lenders mortgage insurance enters the picture, with low doc applicants often capped lower or charged steeper premiums, so we model the insurance cost before you commit to any borrowing.

Major banks, non-bank lenders and specialist low doc houses each set different maximum borrowing levels, document preferences and pricing, and because our panel spans all three, we can show you what the same income achieves at each tier before deciding.

If your second tax return lands within months and a full document approval would save a meaningful amount over your fixed term, we run that arithmetic openly, because sometimes the disciplined answer is lodging in June rather than settling today.

Your file stays with one named broker, contactable directly on their own line, not a call centre queue, so the person who designed your structure answers the phone when you ring, from the first call through to settlement and after.

Banks give you one opinion, while our panel spans major institutions, non-bank lenders and low doc specialists, each with different income policies, so one declined application never ends the conversation here, it simply moves on to an entirely different assessor.

For most borrowers this service costs nothing directly, because the settling lender pays commission, and we disclose that arrangement plus any fee that could ever apply in writing before you engage us formally, so nothing arrives as a surprise later.

Our process, timelines and fee structure sit published on this site before you ever speak to us, because trust should be earned through transparency rather than claimed through slogans, and the same discipline governs every single application we lodge here.