Yes, and at ordinary interest rates. You are not a special case — you just prove income differently. Instead of payslips, lenders read your tax return, financial statements or business banking. Get your return lodged and ask your accountant about add-backs, and most self-employed borrowers look far stronger on paper than they expect. More on self-employed lending

There is usually still a path. Alt-doc products assess income from BAS statements, business bank statements or an accountant’s confirmation. The rate sits above standard, so it is worth comparing against simply lodging and waiting — sometimes the wait is only a few months and saves you real money. How alt-doc works

Very commonly approved. Lenders want to see continuity more than a permanent title — usually somewhere between six and twelve months in the same line of work. Contractors on ongoing arrangements are treated well by a number of lenders. The trick is picking one whose policy fits your pattern of work.

Still workable. Several lenders will assess your return-to-work income rather than your reduced current income, usually with a letter from your employer confirming the date and salary you go back on. Worth speaking to someone before assuming the answer is no.

Less than most people think. Eligible first home buyers can buy with 5% and pay no Lenders Mortgage Insurance under the government scheme — no income caps and no limit on places. Outside that, 20% avoids LMI, but you can borrow with less and simply pay it. First home buyer details

That works, and it is very common. Most lenders accept a gift with a short letter confirming it is a gift rather than a loan. Some also like to see a portion you saved yourself. Tell us early and we will present it the way your lender wants to see it.

Yes — this is how most second purchases happen. Generally you can access the difference between 80% of the current value and what you still owe, subject to valuation and servicing. No cash needed. Using equity to invest

No. It reduces how much you can borrow, because the repayment counts as a commitment, but it does not stop approval. Plenty of our clients buy with HECS. Paying it off early is not automatically the best use of your savings — worth running the numbers first. The full answer

They do, and this is the easiest win available to you. Lenders assess a card on its limit, not your balance — an unused $20,000 card reduces your borrowing power as if it were fully drawn. Reducing or closing limits you do not use can lift your capacity noticeably in a matter of weeks. Why, and how much

Options still exist. Lenders read defaults, arrears and short credit files very differently from one another, and specialist lenders assess situations the majors decline. It often means a higher rate at first, then refinancing to mainstream pricing once you have built a clean record. A blemish is rarely the end of it.

That is worth a conversation, not a full stop. A decline is nearly always a policy mismatch — the file went to a lender whose rules did not fit — rather than a judgement about you. The useful step is finding out exactly which condition it failed, because that tells us whether another lender sees it completely differently.

Mostly the assessment rate buffer: lenders test you at a rate well above the one you would actually pay. Expense benchmarks rose too. Some of the gap you can claw back — credit limits and small personal loans are the usual levers. The three mechanics

No to both. The first conversation is free, there is no obligation, and nothing touches your credit file because no application is submitted. You walk away knowing roughly what you can borrow and what to prepare.

Nothing, honestly. If you have recent payslips, or two years of tax returns if self-employed, it makes the numbers sharper — but plenty of people come with nothing but questions and that is a perfectly good place to start.

Pre-approval is often a week or two once documents are together. From accepted offer to settlement is usually 30 to 60 days depending on your contract. The part that controls the timeline is how quickly documents come in — that is the bit we can help you get right first time.

Not at all. Phone, video and electronic signing handle the whole thing, and we work with clients in every state. Lending is national, so where your broker sits has no bearing on your loan.

Often worth checking, especially if your fixed term is ending or your loan is a few years old — lenders price new customers more sharply than existing ones. Just make sure the comparison includes the loan term, not only the rate. And sometimes staying put wins; we will say so if it does. What refinancing really costs

Start six to eight weeks out, and call your own lender first — the retention team often beats the revert rate, which saves you the paperwork entirely. If you do move, keep the remaining term rather than resetting to a fresh 30 years. The full checklist

Usually yes, and it typically cuts your monthly outgoings a lot. One thing to watch: spreading a five-year debt across 25 years lowers the repayment but raises the lifetime cost. Done with a plan to pay that portion down faster, it is a strong move.

Still options. If you have become self-employed, gone part-time or changed industries, the assessment changes but the door does not close. Get advice before applying rather than after a decline — the order matters.

Permanent residents are generally assessed like citizens. A number of temporary visa types can still borrow, though fewer lenders participate and a larger deposit is usual. Your specific visa subclass decides it, so it is a good question to settle before you start inspecting.

Frequently yes — the constraint is usually assessment, not appetite. Your existing loans are tested at a buffered rate while only part of your rent counts. Lenders differ a lot here, and choosing the right one is often what makes the next purchase possible. Investment lending

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