Self-employed home loan

Self-employed home loan full doc or low doc basis with clean credit or credit impaired issue, we can assist. If you are an entrepreneur in small and medium business industry or part owner of company trust or partnership business you are eligible for self-employed home loan. We offer bank loan up to 80% LVR with LMI and non bank home loan up to 90% LVR with risk fee. Most of our non bank loan require only accountant letter to proof their income. We accept business registered minimum of 6 months. Unlimited cash out, Unlimited defaults, arrears and bankruptcy for non conforming home loan for self-employed home loan applicants.

We strongly recommend please submit an online inquiry for better understanding of your loan requirements and faster assessment of your application.

The Finance group has achieved 99% approval rate for any type of mortgage because-

  • We have access to all banks, popular lenders also private lenders who deal through brokers only.
  • We educate clients about lending policy to safeguard the approval.
  • We have established relation with our lender through numerous settled deals.
  • We prepare the application and credit proposal with full responsibility to minimize all possible risks.
  • We obtain property valuation report upfront at our cost
  • We also obtain relevant VEDA agency check to confirm approval of self-employed home loans.

Home loans for Self-employed applicant can be very easy if they have their business registered minimum of 2 years and have financial up to date. Please visit our full doc home loan offers for self-employed applicants.

Following scenario for self-employed applicant consider as low doc home loans:

Basically when one of the home loan applicants is self-employed but does not have up to date financial the application becomes a low doc home loan application.

  1. Business registered for 2 years but financials are not up to date.
  2. Two years financials are up to date but taxable income is not sufficient to apply for a new loan.
  3. Business registered for less than 2 years no financial, no tax returns, but 12 month BAS available.
  4. Business registered for less than 2 years no financial, no tax returns, but 12 month BAS available as well as trading accounts also reflecting usual income.
  5. Any of the applicant for low doc home loan has a default on credit file, may be both have.
  6. Business registered for 12 months or only for 6 months can provide trading account statement and accountant letter, may have defaults and bankruptcy issue.
  7. Business is registered for 12 months can only provide accountant letter, may have defaults and bankruptcy issue.
  8. Business registered for 12 months, no financial available, looking for construction loan with some bad credit history.

In all above circumstance client looking for low doc home loans or low doc refinance.

Above scenarios give us space to think how we can help the client where everyone in different circumstance of financial situation. We can offer self-employed home loan low doc basis for all above clients.

  • We are offering full doc self-employed home loan with unlimited arrears, defaults and bankruptcy.
  • We are offering low doc home loan through all major banks for clean credit or self-employed home loan applicants with minor defaults. For bank loan up to 60% LVR maximum ($10k cash out) we won't require any proof of income.
  • We are also offering low doc non conforming home loan, low doc non bank home loan and low doc bad credit home loans for self employed applicants through private lending option.
  • Low doc non conforming home loan or low doc bad credit home loan can give you access to fund for your home loan up to 90% LVR if your property is located in a Metro location.
  • Bad credit, credit impairment issues, home loan arrears, paid unpaid defaults, discharged from bankruptcy, under part 9 agreement all this situation are considered for Low doc non conforming home loan or low doc bad credit home loans for self-employed applicants.
  • 80% construction loan available No doc basis for business registered for 12 months.
  • We also offer construction loan full doc and low doc basis through bank home loans.

We strongly recommend please submit an online inquiry to get an obligation free quote for self-employed home loan.

Slef-employed home loan : ( Low doc non conforming home loans)

Low doc non conforming home loan or low doc bad credit home loan can give you access to fund for your home loan up to 90% LVR if your property is located in a Metro location.

Bad credit, credit impairment issues, home loan arrears, paid unpaid defaults, discharged from bankruptcy, under part 9 agreement all this situation are considered for Low doc non conforming home loan or low doc bad credit home loans for self-employed applicants.

As a brief low doc home loans are possible for self-employed applicant in following situations

1. No BAS, NO LMI, No trading statements.

2. Business registered only for 6 months.

3. Unlimited defaults need to consolidate.

4. Part 9 need to be consolidated on home loan.

5. Home loan in arrears but need consolidation.

6. Unlimited amount of cash out.

7. Business purpose cash out.

Please visit the link to find low doc home loan offers with interest rates.

Our Commitments for Self-employed home loan:

From our experience we advise the client best possible option that will resolve the problem in long term as well as in short term depending on clients need for self-employed home loans.

Entering into a higher interest rate non conforming home loan or bad credit home loan can resolve your eminent problem for a short term and you can get back in track after you recover the situation.

We will also help you to get back in track for free of cost when you become our existing client. We always keep the exit strategy ready when we advise any of our self-employed home loan client any higher interest rate low doc non conforming home loan for any reason.

Please follow the following link to visit our website to view our low doc home loan offers for clean credit and bad credit low doc home loans.

The approval of low doc home loan demand complete representation of business process and inflow and outflow of cash to proof recognized revenue and certain expense for the business.

Where no financials are available to proof the activity of the business lender usually depend on loan proposal and appropriate supporting documents to rely on.

In contrary it demands professional representation of the loan application to the lender in all circumstances of self-employed home loan.

Please submit an online inquiry to get an obligation free quote for self-employed home loan.

Self-employed home loan: ( Full doc bank home loan and Non bank Home loans)

Self-employed full doc home loan required minimum of 2 years business and individual tax returns to show adequate income to service the new loan. up to 60% LVR loan might not require any financials. We can offer up to 70% loan with 12 BAS's and profit & loss @ full doc home loan interest rate.

Though some of the lender uses recent year's income from tax return to assess the serviceability, most of the lender follows LMI insurer's policy to take the self-employed income in account. If the recent year income rises by a significant amount the lender and LMI insurer will account maximum 120% of previous year income. Some lender also does an average of 2 years income.

For full doc self-employed home loan assessable income allows add backs on taxable income like depreciation, interest expense, non cash and non recurring expense of the business.

  • We offer full doc home loan for credit impaired and clean credit applicants.

  • We offer full doc home loan without the need of notice of assessment through bank.

  • Non bank full doc self-employed home loan are possible with unlimited defaults, arrears and bankruptcy issues.

Please follow the following link to find best full doc home loan deals offered from our company at this moment. We do your home loan assessment for free and advise the best possible option in a professional manner.

Please submit an online inquiry to get an obligation free quote for self-employed home loan.

Self-employed home loan: ( Bad Credit home loans)

For bad credit home loan applicant we have credit repair service to help our client to find better self-employed home loan offers. As explained on above full doc and low doc self-employed home loan options we can accept any degree of credit impairment case by case basis.

Self- employed bad credit home loans available for:

  • Purchase up to 90% LVR low doc or full doc basis
  • Construction up to 80% LVR low doc or full doc basis.
  • Minimum 6 months ABN acceptable.

Please submit an online inquiry to get an obligation free quote for self-employed home loan.

Our Assessment Process : (Self-employed Home loan)

We have 3 step application process to offer you Self-employed home loan deals available for you.

Step 1: Initial interview or email conversation to commence fact find process and request all supporting documents for the loan. Make the client aware about initial indication of for a successful loan application.

Step 2: Complete full assessment, sign up client with credit contract and provide all paper works they need to sign.

Step 3: Submit application to the lender and keep contact with all parties to secure the approval and settlement of the loan

We strongly recommend our clients that finding best Self-employed home loan deals can be a very easy process if you understand what need to compare, how you will confirm your eligibility with the specific lender. We have been helping our clients to find best Self-employed home loan deals comparing all viable loan solutions for them. Best Self-employed home loan deals will be the deal that will give them benefit in the long term as well.

Submit an online inquiry to get an obligation free quote for quote for self-employed home loan.