HALO LOAN INSIGHTS
Self-employed lending · case studies & policy
We specialise in self-employed lending. Every week we publish the alt-doc, BAS-only, industry-specific policy moves and real settled cases we've worked through — written for ABN holders.
2026 Property Tax Changes: What Every Australian Investor Needs to Know
Property investors must prepare for significant tax shifts in 2026, as new rules could impact portfolio returns by up to 15% for many Australian owners.
Self-Employed Home Loan Australia: Why Traditional Bank Data Fails You
Traditional bank lending models often overlook the 12% of Australian workers who are self-employed, making standard home loan approvals difficult to obtain.
Can PAYG and Self-Employed Couples Boost Borrowing Power by 25%?
Can combining PAYG income with self-employed earnings boost your borrowing capacity by 25%? Learn how lenders assess mixed-income couples in Australia.
Why chasing the lowest interest rate can kill your chances of buying a home
Chasing the lowest interest rate could ruin your home loan chances. Find out what lenders actually care about for approval.
Why the lowest mortgage rate is often the wrong choice for self-employed buyers
Self-employed borrowers chasing the lowest mortgage rates often face 20% higher rejection rates. Understand why product flexibility beats a headline rate.
Self-Employed Mortgages: Why You Should Stop Waiting for Two Years of Tax Returns
Stop waiting two years for tax returns to get a home loan. You can secure a mortgage as a self-employed borrower with just one year of financial data today.
Why your 'tax-efficient' business is killing your borrowing power
Minimising your taxable income by $50,000 might seem smart, but it often destroys your borrowing power when applying for a commercial property loan.
Can you get a self employed home loan in Australia without recent tax returns?
Secure an Australian home loan as a business owner with zero lodged tax returns. Lenders assess serviceability using BAS statements or bank activity.
Stop guessing your borrowing power: A guide for self-employed Australians
Self-employed borrowers often struggle with home loan approval. Understand the 2-year income documentation required to prove your borrowing power today.
Self-employed home loan Australia: Do you really need two years of tax returns?
Think you need two years of tax returns for a self-employed home loan? Many Australians can qualify using alternative income proof instead of 2 years.