Self-employed and low doc loans
How lenders read ABN, BAS and tax-return income, and what to prepare.
2 guides
- What is a low doc loan, and how does it compare with full doc?9 minWhat a low doc loan is, how it differs from full doc, the tax return each business structure lodges, the trade-offs at banks and the path to full doc.
- How do banks and lenders assess self-employed income for a home loan?9 minHow lenders read self-employed income for a home loan: which tax return figures count by business structure, add-backs, falling income and serviceability tests.
Buying a home
Deposits, pre-approval and the steps from first enquiry to settlement.
2 guides
- Home loan pre-approval explained: what it is, how to get it and what can void it10 minWhat home loan pre-approval is and is not, what lenders check at each stage, documents by income type, how long it lasts and how it fits a Queensland contract.
- No deposit home loans: what is actually possible in Australia10 minNo deposit home loans in Australia explained: family guarantees, the 5% Deposit Scheme, Help to Buy, guarantor release and upfront costs in Queensland.
Costs, grants and schemes
Lenders mortgage insurance, stamp duty and Queensland and federal schemes.
3 guides
- Queensland First Home Owner Grant: who qualifies, how much, and when the money arrives11 minQueensland's first home owner grant: who qualifies, which new homes and builds count, the $750,000 cap, and when the money is paid at settlement or drawdown.
- Lenders mortgage insurance explained: what it is, what it costs and the legitimate ways around it9 minLenders mortgage insurance explained: when LMI applies above 80% LVR, what drives the premium, refunds, tax, and the legitimate ways around it in Australia.
- The First Home Super Saver Scheme and your home loan: getting the timing right8 minHow the First Home Super Saver scheme works in 2026: the $15,000 and $50,000 caps, ATO determination and release steps, and timing it with pre-approval.
Refinancing
When switching makes sense and what the process involves.
2 guides
- How to refinance a home loan, from loan check to settlement day10 minHow to refinance a home loan in Australia: check your loan, weigh switching costs and break fees, apply, sign the discharge authority and settle the new loan.
- Debt consolidation: personal loan or roll it into your home loan?13 minPersonal loan or home loan for debt consolidation? How the term changes total interest, what it does to equity, LMI and borrowing power, and free help first.
Business finance
What business lenders ask for when full financials are not available.
1 guide
Rather talk it through?
The guides are general information. To see which lenders fit your income, deposit and property, start from the service that matches your situation.