Posts
Self-Employed Refinance 2026: Move from Big-4 to Non-Bank for Better Rate
Self-employed Australian borrowers can secure mortgage rates 40–80 basis points lower in 2026 by refinancing from a Big-4 bank to a non-bank lender. This article covers assessment criteria, RBA cash outlook, and the step-by-step process.
21 May 2026
Foreign Currency Income (HKD / SGD / RMB) Australian Home Loan
How Australian lenders treat foreign currency income for home loans, including haircut schedules, accepted currencies, FIRB and APRA rules. Information only, not personal financial advice.
21 May 2026
Recent Tax Return Loss Year: How to Still Get a Home Loan
A tax return loss year does not automatically disqualify Australian borrowers from a home loan. Learn how lenders treat add-backs, serviceability buffers and alternative documentation.
21 May 2026
Director’s Loan Add-Backs: Maximising Borrowing Capacity for Australian Business Owners
For Australian business owners, a director’s loan add-back can significantly boost borrowing capacity by recasting discretionary withdrawals as assessable income. This guide explains the mechanism, ATO Division 7A constraints, and lender-specific policies to maximise serviceability.
21 May 2026
Crypto Income Home Loan 2026: The Real Lender Acceptance for Crypto Trading Profits
Australian lenders in 2026 cautiously assess crypto income and trading profits for home loans. This guide explains APRA rules, ATO documentation, and lender-specific policies for a successful crypto income home loan 2026 application.
21 May 2026
OnlyFans / Adult Industry Income: Which Lenders Accept Home Loans
Which Australian lenders accept OnlyFans and adult industry income for a home loan? A guide to income verification, serviceability tests, APRA requirements, and lender policies. OnlyFans home loan insights.
21 May 2026
Uber Driver Home Loan 2026: Gig Economy Income for Australian Mortgages
Australian gig economy workers, including Uber drivers, can secure a home loan in 2026 using ATO-assessable ride-share income. This guide covers lender criteria, documentation requirements, APRA serviceability rules, LVR caps, and rate benchmarks for an uber driver home loan.
21 May 2026
Tradie Home Loan 2026: Income Verification for Plumbers, Electricians and Builders
How plumbers, electricians and builders can verify income for a tradie home loan in 2026. Covers APRA serviceability, ATO documentation, LVR limits and rate ranges to secure a mortgage as a self-employed tradie.
21 May 2026
APRA DTI 6× Cap February 2026: Non-Bank Lender Workaround
From February 2026, APRA’s 6× debt-to-income cap reshapes borrowing; non-bank lenders offer a workaround but at higher rates. Analysis of APRA, RBA and ASIC data. Information only, not advice.
21 May 2026
Sole Trader vs Pty Ltd: Lender Treatment of Business Structure in Home Loans
How Australian home loan lenders assess sole trader and Pty Ltd business structures. Key differences in income verification, risk, LVR limits and documentation.
21 May 2026