Simply Finance

27/07/2026

For a self employed applicants, lenders assess income in several different ways when determining borrow capacity for a Homeloan or investment loan.
Option 1: Director’s wage can be used if they have been paid for at least 6 months . ( can be verified using income statement through ATO portal )

Option 2: requirements
1 year tax return, 1 year Notice of Assessment (NOA), Australian Business Number ABN registered minimum 18 months .

Some lenders accept ABN registered less than 18 months , as long as latest tax return , latest financial statements & latest NOA are provided .

Option 3: Two years of Financials
This is the most commonly accepted among lenders .

Option 4: Low Doc Loan
An accountant ‘s letter confirming income .
Low doc loans generally have higher interest rates than the first three options .

23/07/2026

If you purchase a residential property under Self Managed Super Fund SMSF, make sure a purchase contract is signed prior 10th August 2026. SMSFs can no longer borrow money to acquire residential property , the rule takes full effect on August 10, 2026.
Self Managed Super Fund SMSF can still acquire residential property outright and for eligible commercial remains permitted .

Neu quy khach mua nhà đầu tư dưới dạng Self managed super Funds , cố gắng ký hợp đồng mua trước ngày 10/08/2026.

Luật mua commercial building duoi dang Self managed super funds khong thay đổi .

Nhiều người lo ngại rằng thay đổi này sẽ ảnh hưởng đến những người & gia đình đang tìm nhà để thuê .

16/12/2020

Benefits for First Home Buyers

2020 has been a year of opportunity for many first home buyer: record low in interest rates, several government initiatives : First Home Deposit Scheme , First Home Owner Grant, Home Builder Program .

04/06/2020

Some survival tips :
1- Review your expenses
2- Consolidate your credit card
3-upgrade your home
4- Replace your aging vehicle
5- taking advantage of the property market

Mortgage Express and our partners are committed to kick-starting our economy and helping Australians do better financially.

30/06/2016

I am able to assist with purchasing a first home through to complicated investment situations as well as commercial loans.

Mortgage Express: Mortgages made easy with
* A variety of loans: access to over 300 mortgage products
* Flexible options: Choice of over 30 lenders
* Specialist: No preference towards any lender, comprehensive comparisions of the very best options.
* Convenience.
* Obligation free.