Low Doc Loans in 2026: How Self-Employed Borrowers Get Approved With Less Paperwork
Introduction Self-employed borrowers have always known that earning a strong income and proving it to a bank are two different sports. You may have a profitable business, substantial assets and excellent cash flow. Yet if your income is spread across a company, trust or partnership – or your latest tax return does not reflect your […]
The $3 Million Super Cap: What Division 296 Means for Property Investors Before 1 July 2027
Introduction Division 296 is now law. The new superannuation tax passed both Houses of Parliament and applies from the 2026-27 income year, which started on 1 July 2026. It is designed to reduce the concessional tax treatment available to very large superannuation balances. For high-income professionals, medical specialists, legal professionals, business owners and property investors, […]
Refinance Mistakes: How to Dodge the ‘Loyalty Tax’ and Chase a Sub-6% Rate
Introduction The Australian property market in 2026 is proving to be a landscape of both challenge and opportunity. While we have navigated a period of shifting economic winds, many homeowners find themselves in a peculiar position: holding onto a mortgage that feels increasingly out of sync with the current market. If you are currently looking […]
How Much Deposit Do You Need to Buy a Home in Sydney’s Inner West?
Buying a home in Sydney’s Inner West is a major financial decision, and one of the first questions many buyers ask is: How much deposit do I need to buy a home? There is no single deposit amount that applies to every buyer. Your required deposit can depend on the property price, your financial circumstances, […]
Self-Employed in Sydney? How to Improve Your Chances of Home Loan Approval
Being self-employed in Sydney does not automatically mean you will have difficulty getting a home loan. However, applying for a mortgage when you own a business, work as a contractor or have a less traditional income structure can involve more preparation than a straightforward PAYG application. Lenders need to understand your income, financial position and […]
Home Loans for Business Owners: How Lenders Assess Business Income
Home Loans for Business Owners: How Lenders Assess Business Income Running a successful business does not always make applying for a home loan straightforward. Unlike an employee receiving a regular PAYG salary, a business owner may receive income through salary, business profits, dividends, distributions or a combination of different sources. Business income can also change […]
How Do Lenders Assess Complex Income for a Home Loan in Australia?
How Do Lenders Assess Complex Income for a Home Loan in Australia? Not everyone earns a simple fixed salary. You might receive a base salary plus bonuses, work overtime, earn commissions, contract for several organisations, receive partnership distributions, run a business or combine employment income with rental and investment income. Having complex income does not […]
Home Loans for Dentists in Sydney: What Dentists Need to Know Before Applying
Home Loans for Dentists in Sydney: What Dentists Need to Know Before Applying Dentists can have strong earning potential, but that does not always mean their income is straightforward from a lender’s perspective. One dentist might receive a regular PAYG salary, while another works across several clinics. An associate dentist may be paid under a […]
How Much Deposit Do You Need to Buy a Home in Sydney’s Inner West?
Buying a home in Sydney’s Inner West is a major financial decision, and one of the first questions many buyers ask is: How much deposit do I need to buy a home? There is no single deposit amount that applies to every buyer. Your required deposit can depend on the property price, your financial circumstances, […]
Renovating a Balmain Property? Understanding Your Home Loan Options
Renovating a property in Balmain can be an exciting way to create a home that better suits your lifestyle without leaving the suburb you love. Whether you are updating a traditional terrace, modernising an older home, extending your living space or undertaking a larger renovation, one of the biggest questions is often: How will you […]