Raine Yap ANZ Senior Commercial Home & Investment Lending Manager

Raine Yap ANZ Senior Commercial Home & Investment Lending Manager Being self-employed shouldn’t stop you from owning a home. Contact me for more information.

I have the expertise to guide you through the home loan process ans fins the perfect solution for your needs.

ANZ is helping eligible buyers get into their first home with just a 5% deposit thanks to the Australian Government 5% D...
07/04/2026

ANZ is helping eligible buyers get into their first home with just a 5% deposit thanks to the Australian Government 5% Deposit Scheme. Yes, five percent! (And 2% for single parents).

✅ No LMI — no Lenders Mortgage Insurance means real savings for your wallet.
✅ No income caps — earning well doesn’t exclude you from applying.
✅ Get into the market sooner.

Contact me for more information and eligibility.
Raine Yap
📧 [email protected]
📱 0468 654 420

19/08/2025

From 22 August 2025, ANZ’s variable home loan rates will decrease by 0.25% p.a.. It’s a timely move, especially for those still feeling the pinch of rising living costs.

💬 I couldn’t agree more. Many of my clients have shown incredible resilience through tough times—but that doesn’t mean it’s been easy. If you’re feeling stretched or unsure about your current loan, now’s a great time to review your options.

📞 Let’s chat—We're here to help you navigate what this change could mean for your home loan.

[email protected]
0468654420

Self employed looking for a home loan?Less paperworkTo understand your income, for most applications we ask for one fina...
12/06/2024

Self employed looking for a home loan?

Less paperwork

To understand your income, for most applications we ask for one financial year’s worth of tax statements and in some cases, business financial statements as well. Your tax statements need to be your most recently lodged records, which can include your statements from the prior financial year.

Find out more, contact Raine 0468654420

Self-employed and paying yourself a wage?Streamlined self-employed income verificationIf you’re a director and sharehold...
11/06/2024

Self-employed and paying yourself a wage?

Streamlined self-employed income verification

If you’re a director and shareholder of your company and have been paying yourself a regular company wage for at least six months our streamlined self-employed verification process may be suitable for you.

If eligible, all you’ll need to apply:

-A valid ABN/ACN which has been registered for 18 months

-One payslip dated within 60 days
Your most recent ATO income statement showing your year-to-date salary. If this statement shows less than six months of salary you will also need to provide the previous year’s income statement.

-In some instances further information may be required, like your individual tax return and notice of assessment (NOA) from the ATO.

Contact me to find out more.
Raine 0468654420

What’s an offset account?An offset account is a transaction account linked to your home loan. You can make deposits or w...
24/06/2022

What’s an offset account?

An offset account is a transaction account linked to your home loan. You can make deposits or withdraw from it as you would with a regular transaction account.

The big difference is that when you hold money in an offset account over a period of time, you can reduce the amount of interest charged on your home loan. The higher the balance and the longer the period, the less interest you’ll pay. And this could help you pay off your loan sooner.

Generally speaking, the offset feature is only available on variable rate home loans (although some lenders offer an offset feature on selected fixed rate home loans).

A Home Loan offer so good you don't need a celebrity. Get 300,000 Qantas Points with an eligible ANZ Home Loan of $300k ...
24/06/2022

A Home Loan offer so good you don't need a celebrity. Get 300,000 Qantas Points with an eligible ANZ Home Loan of $300k + an LVR of 80% or less.

Apply by 19 August 2022. T&Cs apply.

Contact me on 0434308055 or email me at [email protected]

Address

89-91 Surf Parade, Suite 303, Level 3, The Wave
Broadbeach, QLD
4218

Telephone

+61468654420

Website

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