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Home Loans For Self Employed

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It’s widely recognised that self-employed households in Australia are vital to a thriving economy, yet many lenders are hesitant when it comes to home loans for self-employed people.

At G-Force Finance Solutions, we have access to loans designed for self-employed borrowers. Whether you’re looking for alternative ways to verify your income or greater flexibility around borrowing to expand your business, G-Force has out-of-the-box solutions to keep up with your ideas.

Get Approved ButtonAs a small business owner you have already demonstrated a sense of entrepreneurship and you understand that success in business comes down to getting the details right – so it should be no different when it comes to choosing the right home loan.

We specialise in helping self-employed people secure cost effective low doc home loans for personal or investment purposes – G-Force Finance Solutions can definitely help.

Supporting Self Employed towards Home Ownership

If you’re interested in seeing what kind of mortgages are available for self-employed individuals, one option to consider is called a low documentation loan – also known as a low doc loan. These are a simple type of loan for people who have an income and assets, but are unable to provide the required financial statements or tax returns.

  • Understand how you are being assessed

Understand that banks use different methods of assessment for self- employed people, some use the average of your last two years income, others the lower of the last 2 years while others use a variance method. We check to confirm that you are considered to be really self-employed, if you are a contractor or sub-contractor you may get away with being seen as an employee with some lenders.

  • Is your financial information up to date?

Have your last 2 years financial statements, income tax returns and notice of assessments up to date and ready. Banks rarely will accept financial statements that have not been lodged with the Australian Taxation Office. We look at every possible scenario to determine your current financial position together with the future potential of your business.

  • Not enough financials

Self employed people are the backbone of the economy and getting rejected by a bank can be a big let down. Don’t rely on lenders, rather get your financial situation sorted with us. With number of years of experience and several options available, we can help you through sorting out the loan that you have been looking for.

  • Can’t prove your income

Having trouble proving your income for a home loan or refinancing? Heard “NO” from banks and feeling helpless? Don’t be! Talk to us and we can guide you with the loan process. We will talk you through what paperwork will be used depending on the different lenders.

  • Think about your future

Assessing how your financial needs are likely to change might save you from having to re-work or re-structure your home loan regularly. We recommend you look forward 3 – 5 years. Make your cash flow work for you to save interest – idea such as a facility where you can “park” your GST payments before you need to remit them the tax office

Understanding Business Owners like us!

Our advisers will discuss your personal and business circumstances such as business income, outgoings, future plans and savings. The application process is different for low doc home loans due to the lack of normal documents being provided. We can help you with this process.

We have access to a wide range of products, including low doc home loans worth up to 85 per cent of your property’s value with a choice of flexible supporting documents.

If you haven’t yet found the right home, that’s ok as we will help organise pre-approval, knowing exactly what you can afford, so you can find your dream home with peace of mind.

What’s Next?

Contact Us Button NewOur advisers will discuss your personal circumstances with you, such as your income, outgoings, future plans and savings, together with the end to end process and steps involved in buying your next home, – we seek to understand your short, medium and long term goals.

Visit our Loan calculators today and take the next step by clicking the “Quick Quote” Button and our finance advisers will then get to work on sourcing you a tailor-made package from our trusted panel of lenders and will work tirelessly to get you the right solution.

Specialist Lending support is only ever a phone call away on 1300 755 464 or click “Contact Us” button now!
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Quick Quote

Self Employed Loans

Fast & Easy Pre-Approval
Access to Over 30 Lenders
Low Doc Options
95% LVR Option
Australia Wide Service
*Terms and Conditions apply to approved applicants.
*Rates will vary from lender to lender.E&OE
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