There is a common misconception that if you are self-employed obtaining a home or investment loan is difficult. It isn’t when you get an experienced
mortgage broker on your side.
In today’s workplace, more people than ever before are self-employed, whether business owners or sole traders, and many lenders now offer loans to suit demand. The thing is, not all lenders lend the same.
Loan conditions – such as the maximum amount of money you can borrow, the minimum deposit required, and the proof of income needed – will differ from lender to lender. The key to getting your loan approved (and fast), without paying more than you should, is knowing which lender’s policy will best cater to your situation. That’s where your Green team finance broker can help.
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We have access to hundreds of home and investment loans from over 60 banks and lenders but realistically there may only be a few of these lenders that really want your business, and we can tell you which ones, right now. We’ll be in the best position to compare loans, weigh up costs, and negotiate favourable terms on your behalf.
The real difference between a self-employed borrower and a PAYG borrower is that theoretically the lender needs to establish your current income and also forecast ongoing income to ensure you can meet loan repayments.
Your Green Team finance broker will know what each lender is looking for, will guide you through the full list of documentation required and present a comprehensive application to the bank to minimise reworks or time delays.
General guidelines:
Lo-Doc or Low Documentation loans are often promoted to self-employed borrowers and while this option may be right for you it’s not necessarily the only option. Things you’ll need to consider:
For a ‘traditional’ or full documentation loan the lender will typically need the following documentation to support your application:
Green team finance brokers work with small business owners, independent contractors and sole traders on a daily basis and are experienced in sourcing loans for self-employed borrowers. You might just be surprised by what is available to you. Contact your Green Team finance broker today.
Director
Australia's leading hospitality, accommodation and childcare finance specialist and winner of Australian Broker of the Year 2022.
Finance Consultant
This Australian Mortgage Awards Young Gun of the Year 2023 Finalist is an experienced ex-banker who knows what it takes to negotiate a better finance deal for you.
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A small business and home finance specialist with experience that matters.
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Dimitri Grespos’ award-winning career in banking and finance spans three decades specialising in private, corporate, and commercial sectors.
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An ex-banker who is on your side when you need home, investment or business funding or simply need to save money on your current finance. Bi-lingual: French, English.
Finance Consultant - Brad Donnelly Team
A home loan expert who knows what it takes to find a better finance deal.
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An accomplished finance professional who provides the individualised care and confidentiality of a private banking experience, without the added expense.
Private Banking Consultant
With almost 30 years’ banking and finance industry experience to his credit, James Blackshaw knows what it takes to negotiate a better outcome on your behalf.
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One of Australia's most in-demand commercial finance brokers and Commercial Broker of the Year Finalist 2023 (Loan Market Group), James specialises in commercial property investment and development finance.
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Maree Woodcock is an experienced banking and finance professional with a reputation for five-star customer service when it comes to finding her clients a better home loan.
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Whether you need a home or investment loan, Paul is an award-winning finance broker with the experience and knowledge to help you save money off your home finance.
Mortgage Broker - ROCKHAMPTON
A home loan and investment loan specialist who offers experience and knowledge gained from a career spanning almost three decades in banking and finance.
Finance Consultant - CAIRNS
With access to home loans from over 60 lenders I can provide you with real choice when it comes to home loans and refinancing options. Find out how much you could save on your mortgage today.
Finance Consultant - CAIRNS
With access to over 60 lenders and hundreds of home loan products I can provide you with the choice you need to negotiate a better deal on your home, investment, or business loans. Currently assisting clients based in Edge Hill, Edmonton, Bayview, Earlville, Cairns City and surrounding suburbs.
Finance Consultant - CAIRNS
A business finance professional with extensive experience in all aspects of commercial funding, equipment finance and home loan lending.
Finance Consultant - CAIRNS
Rod Weir has dedicated his career to helping homebuyers and business owners to save money with a better finance deal.
One of the best and knowledgeable in the field. Hamish has been great in all our dealings and was able to provide an excellent service during a extremely challenging situation. His advice, guidance and skills are very impressive and a very sincere professional. I would 100 % recommend Hamish and his services.
Aleks Topalovic did an amazing job as our broker. We had some challenging complexities with our loan. She was able to sort those out for us without issue quickly and easily. Her financial advice and customer service was excellent. We will definitely continue using Aleks for all future loans.
Paul Steele has worked with us over the last couple of years for all our financing needs. Whether it being commercial or residential loans Paul really went above and beyond to help us with the settlement and always taking our phone calls. We will always use and recommend Paul in the future.
