Hi Stevo, hope your well? Just wondering if you have found the next property yet or if your still looking and may require an approval in principal for this new purchase? Hear from you soon. Sean
Hi Stevo, There are many clients who are under your circumstances. Self employers could provide with the two year tax returns and there are lenders who will look at it based on a one year tax return. The acceptability is based on the other factors such as loan amount as proportionate to property price, the variance of the profit between two years, the expense categories in the financial statements etc. I am an Accountant I have a large base of self-employees who have been successful in securing a home loan. Please contact me so I could go through the details and arrange the best loan which will support your goals.
Hi! Stevo Appreciate your enquiry through HashChing. I have assisted many of my clients with similar enquiries and provided them with solutions that has been acknowledged. Do give me a call on 04****31 let us meet up & discuss this further, should be able to offer options that you can choose from and make a knowledgeable decision. Regards Suresh
Hi Stevo, your family circumstance being a combination of Self Employed and PAYG is not uncommon. I regularly assist many Self Employed clients with this type of income structure. There are several lending options available, depending on a number of factors. I would be more than happy to discuss these with you in person. Kind Regards, Evelyn.
Hi Stevo, I'm happy to come out and meet you both on Saturday to go through your options. Please inbox me your details if interested. Jason
Hi Stevo, Being self employed is not an issue. Many of my clients are self employed. As long as you have an ABN & GST registered, then I can assist. There are many options available to you. Feel free to contact me, I would be more than happy to assist you further. Elisha
Hi Stevo, your income stream being a combination of self employed,PAYG,and rent combined with negative gearing benefit may be sufficient for serving the loan at prime rate****ternatively we could look at low doc opti****ve me a yell out ,i can meet up for a private confidential assessment. Cheers girish
Hi Stevo, I'm just up the road in Croydon and happy to come and visit you and your partner to discuss your scenario. There is several lending options available for Self-employed borrowers. Look forward to hearing from you. Sean
One of my specialties is self employed buddy, as stated previously there are both lo doc and full doc lenders out there that can assist depending on your circumstances i am available on weekdays weekends and weeknights , best of all i come to you at a time that suits
Hi Stevo- we are non conforming specialists with over 15 years industry experience and can assist will self employed full doc and low doc applications. We are fully licensed and have access to many lenders who can assist with this scenario. Please feel free to contact us further to discuss your options. Cheers, Melanie
Hi Stevo - Yes can be done as long as your income supports the lend, or your accountant is willing to certify your income. Regards Daniel
Hi Stevo, There are a lot of good options for self employed. I deal with a lot of self employed, so can definitely take you through the pitfalIs of this type of lending. Get in touch if you would like to discuss in more detail.
Hi Stevo, Thanks for your query. Definitely can help you with this. We could look at your individual circumstance and advise whether we would need one year/2 years tax returns from yourself. Generally lenders look at last two years tax returns and prefer ABN to be registered for atleast 2 years. Having said that it also depends on your individual circumstance and we will definitely be able to advise you once we have some additional details on what you are trying to achieve.
Ho Stevo, To access prime lending rates, as a self employed applicant, requires a full doc application with in most cases 2 years tax returns and account prepared financials but some lenders may accept 1 year. If you can't provide financials you may consider a non-conforming lender however the rates are higher. Hope this helps...
That’s not a problem. I’m assisting other self employed now. As long as you have an ABN & GST registered. Have several Low doc & Full doc loans for self employed. Please contact me Via my Profile page and I will help you. Thanks. Lezli
Abdul
Hi There Thank you for reaching out. I am more than happy to assist you as we specialize in refinancing and using equity for your next investment purchase. We have over 30 lenders that we work with and will be able to get the best deal and structures for your circumstances. Please feel free to make contact via our profile page to discuss further. We also specialised for self employed clients as our company not only do home loans but we also have tax accountants and financial planners in the same office that we work side by side