Self-Employed Loans
Can a family trust get a low-doc property loan?
Understand how a family trust can apply for a low-doc property loan, including trustee roles, income evidence, possible guarantees and deposit questions.
THE FLEXDOC JOURNAL
Self-Employed Loans
Explore our articles on self-employed loans.
Self-Employed Loans
21 articles Page 1 of 2
Self-Employed Loans
Can I build or renovate a home with a low-doc loan?
Compare low-doc construction options from Bluestone and La Trobe, including income evidence, builder requirements, progress payments and funding limits.
Self-Employed Loans
Low doc home loan rates and fees in Australia
Understand the extra margin over prime on low-doc home loans, what it can cost in dollars, and how to compare rates, fees and suitable quotes.
Self-Employed Loans
Can I get a low-doc home loan with a 10% deposit?
Can a 10% deposit work for a low-doc home loan? Compare published lender limits, income requirements, valuation gaps and additional costs.
Self-Employed Loans
Variable business income and home loans: seasons, growth and declines
Compare seasonal and changing business results using matching periods, keep current trading and cash separate, and identify what the lender still needs to confirm.
Self-Employed Loans
Home loans after changing from sole trader to company
Explain the old and new entities, trading dates and income records after a structure change, and identify what the lender still needs to confirm.
Self-Employed Loans
Refinancing a home loan when you are self-employed: costs and evidence
Compare staying, repricing and switching with a worked cost example, then separate the self-employed evidence and lender decisions still needed.
Self-Employed Loans
Company director home loans: salary, dividends and retained profits
Match director salary, dividends and company accounts without double counting. See a hypothetical reconciliation and the questions a lender still needs to assess.
Self-Employed Loans
Trust distributions and home loans: matching records to payments
Match a beneficiary’s distribution record to dated payments, separate earlier balances and identify unresolved questions before a personal home loan application.
Self-Employed Loans
Self-employed home loan pre-approval: what still needs checking?
Understand what a home loan estimate or conditional decision covers, which income and property checks remain, and when business changes need reconfirming.
Self-Employed Loans
Can self-employed borrowers use the 5% Deposit Scheme?
Understand the separate Scheme and lender checks, deposit and purchase costs, and the questions self-employed applicants should resolve before proceeding.
Self-Employed Loans
Where should business owners put excess cash as interest rates decline?
Rates are moving lower. Where should your business put excess cash? Four options to balance safety, liquidity and opportunity.