Business Finance
Can I use a low-doc loan to release home equity for my business?
Understand how low-doc borrowing may release home equity for business needs, what affects the available funds, and the repayment and property risks.
THE FLEXDOC JOURNAL
Guides & insights
Ideas and practical perspectives on property, lending and your next move.
All articles
123 articles Page 4 of 11
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.
Property Investment
Commercial rent statements: reconcile receipts and unpaid costs
Match commercial rent charges and collections to the agent’s deductions, bank receipts and unpaid bills, without confusing cash movement with accepted lending income.
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.
Property Investment
Buy or lease your business premises? Compare cash and commitments
Compare buying with leasing business premises using a hypothetical cash example, then identify the rights, costs and obligations still 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.
Property Investment
NSW commercial property: how much cash do you need to complete?
Work through a hypothetical NSW commercial purchase: credit deposits already paid, separate earlier duty and use net loan proceeds to estimate remaining cash.