# Halo Loan · 环澳信贷 — Australia-wide mortgage broker, self-employed specialist

> Mortgage broker built for self-employed Australians (ABN holders, sole traders, contractors, business owners) — and the PAYG households who work alongside them. Major banks routinely turn self-employed borrowers away or rate-load them; we map every applicant to one of 4 documentation-complexity paths and 6 loan scenarios to find the lender that fits. Bilingual English / Mandarin. Fully digital workflow — we run on technology, not on face-to-face broker meetings. Trading name "环澳信贷" carries 10+ years of Chinese-language mortgage SEO equity from our pre-2023 WordPress era.

Halo Loan is operated by Halo Fortune Group Pty Ltd (ACN 167 597 122, ABN 51 167 597 122, ACL 483923). The Halo Fortune Group holds the underlying Australian Credit Licence and operates a Mortgage Manager wholesale arm (halofortune.com.au) for accredited brokers; Halo Loan / 环澳信贷 is the consumer-facing broker arm under the same licence. ACL 483923 covers both credit (lending) and credit assistance (broking) authorisations under the NCCP framework.

## Who Halo Loan is for

- **Self-employed Australians (primary)** — ABN holders for any duration, sole traders, partnerships, company directors who draw director's fees, Pty Ltd owners. The major banks routinely decline or rate-load this group; we specialise.
- **PAYG borrowers (also welcome)** — we don't restrict to self-employed only. PAYG households get the same scenario-based service, just on simpler doc paths.
- **Mixed PAYG + self-employed households** — the PAYG partner's payslips often unlock major-bank full-doc pricing while the self-employed half's complex income just adds.
- **Year-one self-employed with prior PAYG in same industry** — alt-doc lenders accept this combination via manual underwrite.
- **Borrowers refinancing** out of punitive alt-doc rates onto better products as their tax returns mature.

## How Halo Loan works

1. **Free 3-minute mobile pre-check** — borrower describes industry, ABN start date, target loan amount, deposit. We return: which lenders accept the industry, what doc pathway works (full-doc / alt-doc / BAS-only), indicative rate range, deposit minimum, and document checklist. No credit-file pull, no enquiry record.
2. **Document preparation** — borrower uploads ID, business bank statements, BAS, payslips (if any) via phone. OCR auto-extracts. We coordinate an accountant declaration (template provided) where needed.
3. **Lender match and submission** — we select the lender best suited to the borrower's industry and doc profile, prepare a tailored submission, manage valuation and approval conditions, and translate lender communications into the borrower's preferred language.
4. **Approval and settlement** — typical timeline 5–10 business days from broker agreement to formal approval for self-employed cases. Settlement coordinated with the borrower's conveyancer.

## What makes Halo Loan different from a generalist broker

1. **Self-employed specialism**: 70%+ of caseload is ABN-income borrowers. We know which lender BDMs to call for accountant-letter clarification, which lenders accept BAS-only, which lenders allow what add-backs.
2. **Alt-doc fluency**: we maintain a current matrix of every alt-doc product in the Australian market — Pepper, Liberty, Resimac, Bluestone, La Trobe Financial, Mortgage House, plus emerging fintech lenders. We pick on policy fit, not on commission rate.
3. **Bilingual end-to-end**: lender policy, approval conditions, valuation reports, settlement instructions — all available in Mandarin or English. The borrower never translates compliance language alone.
4. **Industry-aware case framing**: a hospitality sole trader's $180k turnover reads differently to different lenders depending on how add-backs, depreciation, and one-off costs are presented. We frame the case for the lender most likely to approve cleanly.
5. **No client fee on standard cases**: standard self-employed home loans carry no broker fee — paid by the lender via upfront + trail commission. Complex commercial / SMSF / overseas-income cases may carry a fee-for-service, always disclosed in writing before engagement.

## Loan scenarios

We organise our service around 6 loan scenarios rather than borrower industries (banks don't have industry-specific products — they have document-complexity-based products):

1. **Purchase** — first home or upgrader, owner-occupier. PAYG + self-employed pathways.
2. **Refinance** — switch lenders for lower rate / better features / fix maturity. Includes alt-doc to full-doc upgrades as tax returns mature.
3. **Investment** — investment property purchase, refinance, or interest-only. Multi-property portfolios welcome.
4. **Construction** — knock-down rebuild, buy-land-build, progress-draw funding for owner-occupier or investor.
5. **Commercial** — commercial property (shopfront, warehouse, mixed-use), small business loans secured against commercial assets, SMSF LRBA on commercial.
6. **Cash-out / Equity release** — pull equity for renovation, business injection, deposit on next property.

Each scenario is sized to one of 4 document-complexity paths:
- **Full-doc** — 2 years of tax returns, NOA + 2 years of company financials (for Pty Ltd directors).
- **Alt-doc** — 6 months of business bank statements + ABN ≥ 12 months + simple income declaration.
- **BAS-only** — 4 consecutive quarterly BAS lodgements + ABN ≥ 24 months.
- **Accountant letter** — accountant-signed income declaration + 6 months of business banking.

## Lender panel

40+ Australian lenders accessed via aggregation, including but not limited to: major banks (CBA, ANZ, Westpac, NAB), tier-2 (Macquarie, Bendigo, ING, Suncorp, BOQ, AMP), specialist self-employed-friendly lenders (Pepper, Liberty, Resimac, Bluestone, La Trobe Financial, Mortgage House, Mezy, MA Money, Brighten), and Chinese-Australian-friendly options (Bank of China Australia, ICBC Australia, HSBC).

## Compliance posture

- ACL 483923 (Halo Fortune Group Pty Ltd) — covers credit assistance under the NCCP Act 2009.
- MFAA member 660806 — Mortgage & Finance Association of Australia, full member status.
- AFCA member 45759 — external dispute resolution, free for consumers, decisions legally binding on us.
- NCCP best-interests duty applied to every recommendation — the lender chosen must demonstrably be the right fit for the borrower's circumstances.
- Privacy Act 1988 + Australian Privacy Principles compliance — borrower data is only used for the loan application authorised by the borrower; not shared with other business lines for marketing.

## General advice disclaimer (ASIC RG 234)

All information on https://haloloan.com.au and via any tooling provided by Halo Loan is **general information only** and does not consider your personal circumstances or financial objectives. Indicative borrowing power, lender shortlist, doc-pathway recommendation, and rate ranges shown on the site are estimates — your final lender, rate, fees, approval, and terms are subject to that lender's credit assessment and may differ materially from the figures shown. We recommend you consider whether the information is appropriate for your needs, read the relevant lender's Product Disclosure Statement, and seek your own legal, tax, and financial advice where appropriate.

## Key facts

- Legal name: Halo Fortune Group Pty Ltd
- Trading brand: Halo Loan / Halo Loan 环澳信贷
- ABN: 51 167 597 122
- ACN: 167 597 122
- ACL: 483923 (Australian Credit Licence)
- MFAA: 660806
- AFCA: 45759
- Office: Suite 902, Level 9, 3 Bowen Crescent, Melbourne VIC 3004, Australia
- Service area: All of Australia (NSW, VIC, QLD, WA, SA, ACT, TAS, NT)
- Phone: 1300 741 668
- Email: admin@halofortune.com.au
- Languages: English, Mandarin (中文)
- Website: https://haloloan.com.au

## Canonical URLs

- Homepage: https://haloloan.com.au/
- 3-minute pre-check: https://haloloan.com.au/zh/quote
- Self-employed scenarios: https://haloloan.com.au/zh/#products
- How it works: https://haloloan.com.au/zh/#how-it-works
- FAQ: https://haloloan.com.au/zh/#faq
- Insights blog: https://haloloan.com.au/zh/blog
- Credit Guide: https://haloloan.com.au/zh/credit-guide
- Privacy: https://haloloan.com.au/zh/privacy

## Recent articles

- [When Should You Hire a Melbourne Mortgage Broker for Self Employed Loans? 5 High-Stakes Scenarios](https://haloloan.com.au/en/blog/melbourne-mortgage-broker-self-employed-scenarios) — Discover when hiring a Melbourne mortgage broker for self employed loans makes the difference. Learn how alt-doc, BAS-only, and add-backs open 40+ lenders.
- [How an Investment Property Loan Broker Maximises Your Borrowing Capacity for Self-Employed Borrowers](https://haloloan.com.au/en/blog/how-broker-maximises-borrowing-capacity-self-employed) — Learn how an investment property loan broker maximises your borrowing capacity when self-employed through income add-backs, alt-doc options, and structure.
- [自雇人士买澳洲投资房，如何通过投资房贷款经纪人多贷 20 万？](https://haloloan.com.au/zh/blog/self-employed-investment-property-mortgage-broker-guide) — 自雇人士如何利用投资房贷款经纪人优化租金收入折算、负扣税折旧加回与 Alt-Doc 通道？详解澳洲自雇人士投资房贷款借款能力计算与提额策略。
- [How Do You Secure Commercial Lending in Australia When You're Self-Employed?](https://haloloan.com.au/en/blog/commercial-lending-australia-self-employed-guide) — Discover how self-employed business owners in Australia can secure commercial lending using alt-doc pathways, BAS statements, and add-back optimisation.
- [澳洲商业贷款怎么选？个体户ABN与Pty Ltd公司在银行眼里的审批差距有多大？](https://haloloan.com.au/zh/blog/australia-business-loan-sole-trader-abn-vs-pty-ltd-approval) — 解析澳洲商业贷款在个人ABN与Pty Ltd公司主体下的审批差异。了解银行如何评估现金流、BAS贷款与公司财务报表，助您锁定最佳自雇融资方案。
- [Land and Build Loan Without Two Years of Tax Returns? A Self-Employed Construction Loan Broker Guide](https://haloloan.com.au/en/blog/self-employed-construction-loan-brokers-australia-guide) — Learn how self-employed Australians can secure a construction loan using BAS statements or accountant letters without waiting for two years of tax returns.
- [自雇生意的收入证明怎么做？墨尔本贷款经纪人破局自雇人士贷款的 5 个关键路径](https://haloloan.com.au/zh/blog/melbourne-mortgage-broker-self-employed-home-loan-guide) — 墨尔本贷款经纪人专门解答自雇人士贷款难题。针对 ABN 持有人、BAS 贷款及缺少两年报税单的自雇收入证明情况，对比 40+ 银行政策并优化 Add-backs。
- [Private Lending for Self-Employed: When It Works and When It Costs You](https://haloloan.com.au/en/blog/private-lending-self-employed-australia) — Private lending can be a fast track for self-employed Australians, but higher rates and short terms mean it's a bridge, not a destination. Learn when it makes sense and how to exit.
- [澳洲私人借贷是救命稻草还是融资陷阱？自雇人士必看的高级避坑指南](https://haloloan.com.au/zh/blog/australian-private-lending-guide-self-employed) — 澳洲私人借贷审批快、门槛低，但综合成本往往较高。环澳信贷深入解析自雇人士使用私人借贷的适用场景、潜在陷阱与BAS贷款等低成本替代方案。
- [自雇人士做土地建房，为什么主流银行总在分期放款前卡你？](https://haloloan.com.au/zh/blog/self-employed-construction-loan-guide-australia) — 自雇人士申请澳洲建筑贷款往往因收入核算与分期放款机制受阻。本文解析土地建房贷款流程、BAS贷款建房方案及防范建筑商倒闭风险的实操策略。
- [自雇人士建房贷款指南：无需复杂财报，BAS 证明即可获批澳洲建房贷](https://haloloan.com.au/zh/blog/self-employed-bas-mortgage-guide-2026-v4) — 作为自雇人士，申请澳洲建房贷款难？Halo Loan 深度解析 alt-doc 及 BAS-only 贷款途径，帮助个体户和建筑业者顺利获批建房资金。
- [澳洲私人借贷陷阱：自雇人士如何避开融资“坑”？](https://haloloan.com.au/zh/blog/australian-private-lending-guide-for-self-employed) — 澳洲私人借贷市场缺乏严格监管，导致许多自雇人士面临高昂财务风险。据统计，这类借贷的年化利息可能高达20%以上。本文深度解析私人借贷中的常见陷阱，教你如何识别合同条款中的隐形成本，确保融资过程安全合规，有效避开贷款黑洞，保护个人财产权益不受损害。