Self-Employed Home Loans
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Self-Employed Home Loans
Small company owners and self-employed people are essential to a healthy economy, yet many lenders are hesitant to lend to self-employed people. At Smart Mortgage Finance, we take a different approach to things and hunt for loans and solutions tailored to the self-employed.
Self-Employed Home Loan Criteria
Purchasing a car is, for the vast majority of us, the second greatest cost we have after purchasing a home. Car loans differ depending on whether you’re buying a new or used car, and whether you’re buying from a dealer or a private seller. Our specialists can advise you on your existing repayment ability and help you choose the best loan term for you. The majority of lenders’ requirements need you to have been self-employed for at least two to three years to be eligible for a self-employed house loan.
Some people, on the other hand, have only been self-employed for a year. If you’ve been self-employed for less than a year, you’ll find that there aren’t many lenders prepared to lend to you, restricting your alternatives. This is owing to the fact that you have not received your tax returns and hence have no method of proving your income, as well as the fact that new businesses face greater financial uncertainty.
How many Loans am I eligible for?
The loan amount and interest rates are affected by the purpose of the loan, as well as whether the mortgaged property is owner-occupied or an investment property. If you have been self-employed for at least two years, you may be eligible for a loan of up to 90% of the value of your home. You may borrow anything from $100,000 to $1.5 million, depending on your loan-to-value ratio.
Our professionals at Smart Mortgage Finance can help you find the right loan, at the right rate, with the right features and alternatives for your business.
ACCESS TO MORE THAN 35 AUSSIE LENDERS
Some of the brokers associated with us have access to 35 lenders across Australia.
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Talk to one of our Specialist at MortageRoom to get more information on our services and choose the Home Loan that is right for you
Our Services
What Service We Offer
Our Services aim to making your life easier with excellent Home Loan services
Refinancing Loans
Refinancing can help you get better interest rates on your home loan and make quicker repayments
SMSF Home Loans
Tap into your SMSF to gain access to fund that can help you buy the investment property of your choice
Home Loans
Get the best Home Loan you can with expert lenders who model the Home Loan around your needs
Low Credit Score
Do you have a low credit score and unable to get the best interest rate for your Home Loan?
No LMI Home Loans
Avoid paying the LMI when you are taking more than 80% of the Property Value as a loan, talk to use today
Self-Employeed
Maintain a great work-life balance and get the best Home Loan offer you can from our lenders across Australia
Use our Excellent Home Loan Services
Choose from over 35 lenders all over Australia to get the home loan and Finance options that works best for you!
FAQ
General Questions
It is 100% free! We don't charge you anything as we work directly with the top brokers in the country and earn our fee from them.
The amount you will be saving can depend upon your current loan period, interest rate, and the number of years left on your loan.
You will be provided with an estimate after you start working with one of our Mortgage Broker.
At Mortgage room, we recognise that every application is different, and therefore each application is provided with a personal touch, and after an internal process, we match you with the best possible Mortgage Broker
Our internal process considers your situation and links you with the best possible mortgage broker on our panel.
In the case of poor credit, your application will be handled by experts who specialise in dealing with such matters. At Mortgage Room, we believe everyone deserves the home of their dreams.
We can deal with regular residential mortgages and more complex situations involving land, investment properties, buying on trust and Asset Protection. Some of our Mortgage brokers are also registered accounts.
So if you are looking to take equity from your home, consolidate some debt, lower monthly payments or want to secure unbeatable incentives, talk to our mortgage broker and see if they can help you.
At Mortgage Room, we recognise that the Covid-19 pandemic has affected many families and homeowners. Every homeowner should be able to access their savings by refinancing. Please discuss your situation with Mortgage Broker and see how he can assist you with the current situation.
Latest Knowledge Base
The world of Banking, interest rates and Home Loans, are constantly changing. Our expert Lenders are equiped with all the latest information and years of experience to help you get where you want.
- Over 35+ Lenders Across Australia
- Free consultation with our Experts
- Flexible Appointment Scheduling
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For more information about our services, contact us or request a call back today! Our experts will get in touch with you as soon as possible.
Phone Number
(02) 8007 4752