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.
Self-Employed Home Loans Australia: Why Lowest Rate Isn't Always Best
Chasing the lowest interest rate can often disqualify self-employed borrowers. Learn how to present your BAS and accountant letters to secure approval.
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 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.