Your Bank says 'NO', others might say 'YES'
SPECIALITIES
SPECIALITIES
Your bank says 'NO', others might say 'YES'
If your bank does not lend to you, it will not mean that any other bank won’t. Particular circumstances might make more difficult to get a Home Loan. An expert advice becomes crucial as only some banks might lend under specific circumstances. This is because lenders’ policies are different and only an expert can master them. We are comfortable to deal with many specialities:
Self-employed, casual work, on probation, contract work & subcontractor, agency work, some centre-link income.
5 - 10% deposit, depending on the circumstances.
When borrow more than 90%, 5% genuine savings must be verified (% to be confirmed with lenders).
Buying a property below the market value, typically from parents or family in general.
Available to those who cannot prove the income in the traditional way (often self-employed).
Some banks consider maternity leave pay (conditions apply).
Few lenders accept defaults, bankruptcy, too many credit enquiries, multiple missed payments on credit statements, or other unfortunate circumstances.
Some banks offer special rates or wave LMI to doctors, accountants, lawyers, or others (conditions apply).
Acceptable properties are different among branks.
no deposit required if guarantor (typically family) uses his/her property as security guarantee (conditions apply).
Some banks considers Australian Non-Resident eligible, depending on the visa (457 Visa and few others).
Australian citizen & Permanent Resident living and working overseas (conditions apply).
Working for yourself with an ABN.