Self-employed lending
Low-doc, alt-doc, contractor and company director home loan questions.
96 articles · page 1 of 4
Self-employed lending
Self-employed lending
How to clean up overdrafts and director loans before a home loan
A practical guide for Australian business owners on how to restructure overdrafts and director loans before applying for a home loan, so banks see stable income instead of messy drawings.
Self-employed lending
Simple Working Capital Setups For Sole Traders That Stay Tax‑Clean
How Australian sole traders and contractors can set up bank accounts, buffers and simple working capital facilities that keep the ATO happy, your home loan options open, and your admin under control.
Self-employed lending
Sole trader? How business facilities can quietly sink your home loan
As a sole trader, your overdraft or business facility can quietly slash your home loan borrowing power. This guide explains how lenders read your limits, statements and tax returns – and the tidy‑up moves to make months before you apply.
Self-employed lending
Director Guarantees on Working Capital: Protecting Yourself and Your Home
A plain‑English guide to what director guarantees on working capital facilities really mean, how “all‑monies” clauses expose your home, and practical steps to limit the damage before you sign anything.
Self-employed lending
Debt recycling when you’re self‑employed or a director with mixed debts
A practical, ATO‑safe guide to debt recycling for self‑employed Australians and company directors with mixed business, home and investment debts, so you can act this week without making a tax mess.
Self-employed lending
Protecting Your Family Home From Director Guarantees On Business Loans
Director guarantees on business loans can quietly put your family home on the line. Here’s how they really work in Australia, where the traps hide, and what you can do this week to reduce the risk without killing your business funding options.
Self-employed lending
All‑Monies & Indemnity Clauses: Protect Your Home From Hidden Traps
All‑monies and indemnity clauses can quietly extend a simple director guarantee to almost every present and future debt. Learn what they mean in plain English, how they threaten your home and personal assets, and how to limit or renegotiate them with your broker, accountant and lawyer this week.
Self-employed lending
Offset account setups that actually work for sole traders
The cleanest offset setup for a sole trader working from home is simple: separate business trading, tax/GST and personal/offset accounts, then pay yourself a regular “wage” into the offset. This keeps lenders calm, the ATO ring‑fenced and your home loan interest down.
Self-employed lending
Low‑Doc vs Full‑Doc for Company and Trust Owners in 2026
A decision-grade guide for Australian company and trust owners weighing low‑doc vs full‑doc home loans. Understand pricing, risks, and which path to choose this year.
Self-employed lending
Getting Money Out Of Your Company Without Killing Your Home Loan
How to move money from your company to you—via director loans, dividends or cash‑out—without blowing up your current or future home loan approval.
Self-employed lending
How Self‑Employed Aussies Turn Lumpy Income Into Bank‑Ready Borrowing Power
Self‑employed income doesn’t need to be smooth for you to get a home loan. It just needs to be translated into a story banks can trust. Here’s how to do that in practical steps you can start this week.
Self-employed lending
Decoding Your Sole Trader Tax Return For Stronger Home Loan Approvals
A practical guide for Australian sole traders on how banks read tax returns for home loan approval, what income they count, common mistakes that slash borrowing power, and the clean-up steps you can take this quarter to present strong, bank-ready numbers.
Self-employed lending
Self‑Employed? Use Smart Add‑Backs To Lift Income Safely
Self‑employed and want a bigger home loan without poking the ATO bear? Learn which add‑backs banks accept, what they’ll ignore, and how to plan this year’s tax return so your income looks stronger on paper without stepping over any tax lines.
Self-employed lending
Using Depreciation And Non‑Cash Expenses To Boost Self‑Employed Borrowing Power
A practical guide for self‑employed Australians on how banks treat depreciation, amortisation and other non‑cash expenses when assessing home loan borrowing power – and what to fix in your numbers this year.
Self-employed lending
How Directors Can Structure Wages, Dividends and Super For Maximum Borrowing
A practical guide for Australian company directors on how wages, dividends and super contributions affect home loan borrowing power, and what to tweak over the next 12–24 months.
Self-employed lending
When Banks Add Back One-Off Business Expenses To Boost Borrowing
Learn when Australian lenders will add back one-off or abnormal business expenses in a home loan assessment, and how to present your numbers so they actually do it.
Self-employed lending
Using Business Interest And Leases To Boost Home Loan Borrowing
How lenders treat business interest and lease payments can make or break your borrowing power. Learn what they’ll add back, what they’ll ignore, and how to cleanly separate personal and commercial debt before your next home or investment loan.
Self-employed lending
Turning Self‑Employed Financials Into ‘Bank‑Ready’ Numbers In 12–24 Months
A practical 12–24 month plan for self‑employed Australians to turn messy business numbers into bank‑ready financials for a stronger home loan application – without starving the business of cash.
Self-employed lending
How to Pay Yourself for Strong Home Loan Approval as a Director
How you pay yourself as a company director can make or break your home loan approval. This guide shows how banks treat director loans, dividends and drawings, and what to change in the next 12–24 months so your structure is both tax-smart and “bank ready”.
Self-employed lending
How Banks Use HEM And APRA’s 3% Buffer To Stress‑Test The Self‑Employed
Understand how banks use HEM, your real living expenses and APRA’s 3% buffer to stress‑test self‑employed borrowers, with worked examples and practical steps to improve borrowing power this year.
Self-employed lending
Self‑Employed Home Loan Checklist: Documents To Fix First
A practical, decision‑grade checklist of business, tax and cashflow documents self‑employed Australians should clean up before applying for a home loan or refinance.
Self-employed lending
Switching From Alt‑Doc To Full‑Doc Without Trapping Your Business
A practical guide for self‑employed Aussies to move from expensive alt‑doc loans to sharper full‑doc lending, clean up their financials, and protect business flexibility at the same time.
Self-employed lending
Self‑Employed Low‑Doc Loans: One‑Week Number Clean‑Up Plan
A focused, one‑week clean‑up plan to improve your bank statements, ATO position and credit profile before applying for a self‑employed low‑doc home loan in Australia.
Self-employed lending
Proving Income For Low‑Doc Home Loans With BAS, Banks & Accountant Letters
Self‑employed and need a low‑doc home loan? This guide shows how to use BAS, bank statements and accountant letters to prove income safely, what each lender is really looking for, and how to avoid common mistakes that trigger declines or tiny borrowing limits.