Help for Self-employees

How you are being assessed is different from salaried workers. Banks use different methods to assess self-employed people, they will most likely look  for your latest company and personal tax return, company financial report,  and maybe notice of assessments rather than payslips and salary crediting records.

Choose the right type of loan

Whilst in some cases low doc home loans may suit you well, it is better off considering all options

available to get the loan most beneficial to you. If you have an established business with solid

consistent income, these will be sufficient to qualify you for a standard loan. Low doc loan normally

has a higher interest rate.

Tax returns and alternatives

Ideally, you will have your most recent two years’ tax returns lodged and these show solid

consistent income. Self-employed borrowers can get behind with tax returns and sometimes

haven’t been in business long enough to have two years’ worth. Alternative documents like an

accountant’s declaration, BAS statements and/or business bank statements can be used to back up

the level of income that you declare in your application. You would do a declaration about how

much you earn in a year and use these other documents to back it up.

Business has only been trading for a short time

If you purchased an established business or have moved from PAYG to contracting, then your cash

flow and profitability may be already at a level where you can borrow. Rather than assuming that

you have no options, it is worth exploring your options.

At Expert Financial Services, we understand self-employed lending. Our Lending Specialists are here to find solutions from a broad range of lenders.

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

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    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

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    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

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    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

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    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

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    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.