Aron Cardona - Mortgage Broker

03/08/2026

Black Males: https://linktr.ee/mtghub

30/07/2026

30/07/2026

Think you need a 20% deposit to buy a home just because you're self-employed?

Think again!

Whether it's 10%, 5%, or even $0 using a family pledge.

There are options to get you into your dream home

Learn how lenders treat self-employed borrowers.

Link in bio for all the juicy details! 👇

29/07/2026

28/07/2026

Tradies doing cashies with s #*t tax returns can still get a home loan approved

Here are 3 legit options you can explore

1. 3-month bank statement method
↳ Declare your cash income for 3 months
↳ Log all income/expenses on a business account
↳ Lenders annualise your net profit using those bank statements

2. BAS method
↳ For those not trading from a biz account
↳ Declare all biz income + expenses on 2 quarterly BAS
↳ Lenders annualise profit from BAS totals

3. Accountant’s letter
↳ Self-declare your net profit (cash included)
↳ Get your accountant to sign off on it

Heads up, if you're using these methods to:

1. Buy a property
↳ You’ll need 15–20% deposit plus gov costs (stamp duty, etc)

2. Refinancing
↳ You’ll need at least 20% equity

Don’t meet this?

You’ll need to lodge a full tax return with your cash included

Too many tradies think they have no shot at finance.

You just need to know your options.

Smoko's over, get back on the tools.

23/07/2026

didn't even get to say hello

19/07/2026

Self-employed? You might not need a cash deposit to buy your next home or commercial space. Use equity across both resi and commercial properties like a boss.

13/07/2026

But the business made $346,563 last FY!

Most my clients assume that it's the revenue that's the important factor when assessing your income.

It's actually not.

Especially when you're expensing everything under the sun.

09/07/2026

Late on your tax returns but still want to buy property?

Don't let three years of missing paperwork kill your investment goals. If your business is humming and the revenue is hitting your bank account, there is a workaround.

Lenders can look at your last 3, 6, or 12 months of bank statements to verify your income instead of waiting for your accountant to catch up.

If the cash flow is there, the borrowing capacity is there.

04/07/2026

Is your accountant saving you tax but costing you the house?

If you’ve been knocked back for a mortgage because your returns are "too lean", it’s time for a reality check.

Most accountants are transactional, they save you $20k today, but kill your borrowing power for tomorrow.

You need a proactive partner who optimises for wealth, not just a lower tax bill.

If they aren't talking about your long-term lending goals, they aren't the right fit.