Ben Carpenter Finance Broker

25/06/2026

Think being self-employed makes getting a home loan harder?

The reality is, there are more options available than many people realise, if you know where to look.

From alt doc loans to lenders who will consider shorter trading history, the right structure can make all the difference.

We’ve broken it down in our latest blog: https://ironbarkgroup.com.au/self-employed-home-loan-options/

07/04/2026

13/02/2026

11/09/2025

🏡 Buying your first home this spring? You’re not alone!!👫 It’s one of the busiest times in the market. That’s why it pays to be prepared, not just with your deposit but with the right loan features.🏘️ 💵

Two of the most common (and most useful) are:

✨ Redraw Facility
Make extra repayments and access those funds later if needed.
✅ Helps you pay down your loan faster
✅ Reduces interest while keeping funds available
⚠️ Some lenders limit how much/when you can withdraw

💳 Offset Account
A transaction account linked to your loan that reduces the interest you pay.
✅ Works like an everyday bank account
✅ Keeps your money accessible while cutting interest
⚠️ May have higher fees or partial offset options

🔑 Which is right for you?
It depends on how you want to manage your money. Some loans include these features automatically; others don’t.
🔷 That’s where we come in! Our team help you compare lenders so you borrow with confidence and don’t pay more than you need to. 🫰💲

📅 Planning to buy this spring?
Now’s the time to get organised. Let’s chat about your options and get your pre-approval sorted so you’re ready when the perfect property comes along. 🏢 🏘️ 🏗️