

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, 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- 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, 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...

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