Help for PAYG

PAYG employee:

The lowest risk applicant is a PAYG employee with stable employment, is not on probation.

Regular salaried payments provide comfort to the lender that there is a steady stream of income

and some lenders will also include commission and regular bonus payments as part of the overall

income.To be considered a PAYG employee, you cannot be a director of the company you are

employed by. If you are a director, refer to self-employed.

Contractors

Contractors with a long-term contract in place are considered a low-risk by the lender. A contractor

will need to provide a copy of the contract and historical payslips from the company as well as bank

statements to show the payments have been received. If the contract has less than 6 months to run,

you may also need to provide proof that the contract is going to be renewed.

To be considered as a Contractor, you cannot be a director of the company you are engaged by. If

you are a director, or if you are contracting under an ABN, refer to self-employed.

Consultants

Consultants can be classified in two different ways depending on the arrangement. A consultant

who works for a company and receives payslips from that company will revert back to being a

PAYG employee. Whereas a consultant who consults under their own company or ABN will be

considered self-employed.

Why choose us

We can help customers who are working, receiving centerlink, bonus or non-taxable income, and having credit issue. We can help you to buy, build or refinance.

We can provide

  • More Savings

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    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • Free of charge

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    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • Convenience

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    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • More Choice

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    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • Easier Process

    +

    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • Expertise

    +

    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • Tailored & Flexible Solutions

    +

    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • Great Service

    +

    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.

为什么选择我们

不论您是上班族还是自雇人士,不论您想要贷款还是转贷,不论您想要买房还是买车, 不论您是有领取社会补助金或是其他收入问题,我们都可以帮您解决

我们可以提供

  • 更多的优惠

    +

    We offer a huge selection of competitively priced lending products. Sometimes we can and will negotiate further interest rate discounts with the potential lenders on your behalf. The aim is to save your time, money and effort.

  • 无额外收费

    +

    We don’t charge you for our services as the lenders pay us a commission when the loan is settled.

  • 方便快捷

    +

    We are happy to meet you at a time and place that suits you. You can drop into our office or we can come to your home or office. We will be accessible and returning your calls promptly, even outside of business hours.

  • 更多选择

    +

    We work with over 30 lenders you know and trust, who offer hundreds of different types of loans. We will take the time to ask you the right questions and then recommend the loan options that are right for you.

  • 更加简单的流程

    +

    After choosing the right loan we will start your application and complete all your paperwork. We will keep you fully updated during valuation, approval and settlement process.

  • 专业高效

    +

    We have the experience to deal with a variety of loan purposes and types of borrowers. We can help you no matter you are buying your dream home, purchasing an investment property or looking for a better deal on your existing loan.

  • 更客制化和灵活的解决方案

    +

    We understand every borrower has individual needs and goals, which is why we are tailoring each loan to your unique situation. We also make financial solutions more accessible to you with our progressive & flexible approach.

  • 卓越的服务

    +

    We love to have satisfied customers. We are always motivated to find better solutions, better products and better ways to be your trusted lending expert, now and in the future.