Self Employed

You're self-employed.  You work hard.  You add value to the economy and provide employment to other people.

So why is it that you so often feel like a second-class citizen?

Why can't you seem to get a fair deal from the Banks?

Why do most mortgage brokers you speak to want to push you straight into the "Low Doc" lending space - meaning reduced options and often meaning higher rates?

Experience the Find My Loan Difference

Let's be clear on this:

• We can't change the reality of your situation or force the banks to change their policies

• We're not opposed to the use of Low Doc Loans - as long as they are used under appropriate circumstances that empower the Client

BUT - we can ensure that we work harder than most brokers to help you put forward the best possible representation of your business situation and financing proposal. 

The fact is that the vast majority of Brokers 'favour' Low Doc Loans for self-employed borrowers because they are unable to read and interpret financial statements or they are unwilling to work that hard on your behalf.

Taxable income declared by self-employed people is often reduced, as accountants look for as many tax deductions as they can achieve.  Additionally, the sheer volume of paperwork that a self-employed person must present to meet the evidence requirements of most lenders can be daunting.

When it comes to submitting finance proposals on behalf of self-employed Clients it is the skill of the Broker, as much as the credit policy of the lender, that will determine the ultimate success of the application.

We recommend that professional help be sought from one of our Finance experts from the outset.  The complexities for a self-employed person usually mean that to get a home loan approval you need an expert to put the loan proposal together properly and demonstrate the merits of your individual situation to the lender.