Australia-Wide Mortgage Brokersfor Complex Home Loans

ATO debt pay down is an acceptable cash out purpose

No notional rent needed for applicants living with family rent-free (signed declaration from parents only)

2% servicing buffer — particularly helpful in the current high-rate environment

1-year financials accepted for self-employed clients

Accountant letter accepted to confirm tax returns are final & lodged (replaces NOA for full-doc SE applicants)

Company and Trust borrowers accepted — most banks have stopped lending to these

NDIS property accepted

Temporary visas accepted

Low doc up to 90% LVR

Owner-occupied up to 95% LVR accepted

Lease doc available

No genuine savings required

Common debt reducer policy available

Paid defaults up to $1,000 accepted

Negative credit reporting accepted

No minimum employment period if applicant has been in the same industry for at least 2 years