Finance advice

Securing finance as a self-employed borrower

By webmaster

Obtaining a loan if you’re self-employed is rarely without its challenges, but it certainly can be done.


Self-employed borrowers are a minority, but a significant one. There are many out there, from tradesmen to freelance writers, from contractors to small business owners and so on.

One in 10 working Australians is their own boss (according to the Australian Bureau of Statistics), and the number grows every day. But applying for a loan as a self-employed borrower in the post-GFC lending environment can be an arduous task – especially if your recordkeeping isn’t up to scratch.

Because a self-employed borrower will probably have more hurdles to overcome than a PAYG borrower, knowing what it takes and preparing ahead of time is essential.

The borrower and the process Cautious lending policies introduced in the wake of the global financial crisis have certainly taken their toll on self-employed borrowers.

In today’s climate, while there are different loan options available for self-employed borrowers, an individual applicant will not necessarily have access to all of them. Applying for the right loan with the right lender is therefore crucial.

For those who can produce documentation covering their income and assets, a full documentation (‘full doc’) loan will generally be the most straightforward way to secure finance.

To qualify for a full doc loan, you will need to provide your lender with your past two tax returns. These will be used to verify your income as you won’t have upfront pay slips or group certificates like a PAYG employee, if you have been self-employed for at least two years.

The lender will generally use the lowest taxable income from the two, the current year’s income, or an average of the two plus a percentage change between the two years, to calculate your assessable income and determine whether your application is approved.

Before you apply for a full doc loan, however, you should also ensure you are able to produce some additional records, including profit and loss statements, a list of all investments and their market value, and information on any debts, as your lender will most likely ask for these too.

Even though producing these documents will be time consuming and will call for you to be organised long before you apply for a mortgage, a full doc loan is generally the best option for a self-employed borrower.

This is especially so when compared to the rigmarole of applying for a low doc loan.

The lowdown on low docs As a self-employed borrower, if you think you are unlikely to meet the stringent requirements of most lenders, you will almost certainly have to resort to option B – the low documentation loan – as a means to secure finance.

A low doc loan can be a great alternative if you can’t provide up-to-date tax returns or financial statements as you will have several options, other than those required for a full doc loan, to confirm your income.

Requirements vary depending on the lender but generally, self-employed borrowers will need both to have been in business and to have held an ABN for at least two years to be considered.

It’s also worth noting that a low doc loan application will still require some form of income statement, usually a signed declaration.

Some lenders may even require your Business Activity Statements as further evidence of income, while others may ask for trading statements or a letter from your accountant.

Another thing to consider before applying for a low doc loan is that in many cases the interest rate charged may be higher because lack of income verification is perceived to heighten a lender’s risk.

This is not the case with all lenders, however, and often there will be no difference between the interest rates charged for a low doc and for a full doc loan.

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podcast

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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When buying property, it’s important to focus on what’s important. Investor Katarina Taurian shares just what exactly is important to her: having the mindset of looking past superficial cosmetic matters and homing in on the structural suitability and potential of a property.

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In this episode of the Smart Property Investment Show, Katarina joins host Tim Neary to unpack her entry into the property market and experiences of rentvesting, and how the Smart Property Investment Show was vital  in a number of decisions which she made along the way.

Katarina discusses about the team that she had help her along the way, why she thinks that you should never skimp on a good solicitor and accountant, and the red flags which tell her why buying a new property doesn’t necessarily mean buying a better property.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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Why buying new property doesn’t mean buying better property
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  ["title"]=>
  string(55) "Busting perceptions of a doom and gloom property market"
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Media hype would have you believe that the Australian property market is in dire circumstances at the moment and that there is no money to be made.  But is that really the case?

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In this episode of the Smart Property Investment Show, regular guests Steve and Victor of Right Property Group join host Phil Tarrant to discuss the current state of the Australian property market as it is portrayed in the media, and analyse if things are as dire as we are being led to believe.

They will compare regional markets with capital cities as investment options, reveal some areas which they consider to be poor investments at the moment while also discussing some of the markets where they see future potential.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED: 

Hobart
Sydney
Perth
Brisbane
Shepparton
Cambridge Park
Geelong
Wollongong
Melbourne
Newcastle
Orange
Dubbo
Bathurst
Armidale
Bendigo
Cairns
Ipswich
Emerald
Port Hedland
Surfers Paradise

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-10 06:23:01" ["slug"]=> string(61) "18524:busting-perceptions-of-a-doom-and-gloom-property-market" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(81) "/investor-stories-1/18524-busting-perceptions-of-a-doom-and-gloom-property-market" }
Busting perceptions of a doom and gloom property market

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