Articles
Contractor lending, self-employed income assessment, loan structuring, and other topics to help you understand your options 

You’ve probably seen the claim: switch your home loan from monthly to fortnightly repayments and you will cut years off your loan and save yourself a small fortune in interest, seemingly for free. The numbers used to make that point are usually accurate. What is missing is the explanation of why they work, and it's not simply a change in how often you pay. What "switching to fortnightly" actually means There are two different things a lender can do when you ask to move from m

A contractor decline is rarely about how much you earn. It's much more often about how that income gets read, and by which lender. This article covers the most common reasons contractor applications get declined and how each one can be avoided by presenting your situation correctly from the start. This sits within our broader guide to contractor home loans, which covers how PAYG and ABN income is assessed more generally. Income assessed against the wrong reference point The s

A breakdown of what documents PAYG and ABN contractors need for a home loan application, so you're not caught out partway through.

Two contractors can do near-identical work, invoice the same client, and earn the same income… and still get very different answers when they apply for a home loan. The difference usually comes down to how they're paid, not how much. Here's what separates a PAYG contractor from an ABN contractor in a lender's eyes, and why it matters before you apply. Why this distinction matters more than your income Lenders don't just look at how much you earn. They look at how provable and