# 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

- [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。
- [墨尔本贷款中介 vs 直接去银行：华人买房该找哪家贷款中介公司](https://haloloan.com.au/zh/blog/melbourne-home-loan-broker-vs-bank) — 在墨尔本买房时，贷款中介与直接找银行办理有何差异？面对澳洲高达数十种的房贷产品，找对中介不仅能帮您节省利息，更能在利率变动频繁的背景下有效提高批贷成功率。本文深度解析华人购房者的两种贷款渠道优劣，帮助您根据自身财务状况做出最优决策，确保购房过程更加顺畅。
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- [自雇人士找贷款中介，为什么“选谁都行”反而是最贵的决定？](https://haloloan.com.au/zh/blog/self-employed-mortgage-broker-choice) — 作为自雇人士，找不懂add-back的贷款中介可能让你借贷能力缩水20%。环澳信贷 Halo Loan 专注自雇人士贷款，通过行业定制方案帮你锁定额度。
- [2026 Property Tax Changes: What Every Australian Investor Needs to Know](https://haloloan.com.au/en/blog/2026-federal-budget-property-guide-v3) — 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](https://haloloan.com.au/en/blog/self-employed-home-loan-australia-guide-v3) — Traditional bank lending models often overlook the 12% of Australian workers who are self-employed, making standard home loan approvals difficult to obtain.
- [澳洲商业贷款中介：自雇人士如何通过专业规划避开银行拒贷？](https://haloloan.com.au/zh/blog/zi-gu-ren-shi-mai-fang-dai-kuan-ji-qiao-v4) — 寻找墨尔本或澳洲商业贷款中介？Halo Loan 专精自雇人士贷款，通过 alt-doc 和 BAS-only 策略帮您解决银行审批痛点。
- [一方PAYG、一方ABN自雇：为什么四大行给你的贷款额度总是“不够用”？](https://haloloan.com.au/zh/blog/hybrid-payg-abn-mortgage-australia) — 如果你同时拥有PAYG工资和ABN自雇收入，为什么四大行的贷款评估额度总是缩水？这种混合收入模式常被误读，导致借贷能力被低估高达30%。了解银行如何计算你的实际偿付能力，避免因收入认定偏差而错失房产购置机会，确保在复杂的贷款审批规则下，依然能获得充足的借款额度。
- [Can PAYG and Self-Employed Couples Boost Borrowing Power by 25%?](https://haloloan.com.au/en/blog/hybrid-payg-abn-home-loan-strategy) — Can combining PAYG income with self-employed earnings boost your borrowing capacity by 25%? Learn how lenders assess mixed-income couples in Australia.
- [Self-Employed Home Loans Australia: Why Lowest Rate Isn't Always Best](https://haloloan.com.au/en/blog/self-employed-home-loan-pathways-australia-v3) — Chasing the lowest interest rate can often disqualify self-employed borrowers. Learn how to present your BAS and accountant letters to secure approval.
- [自雇人士贷款：告别两年报税单，BAS 也能买房｜澳洲自雇贷款指南](https://haloloan.com.au/zh/blog/self-employed-mortgage-pathways-australia-v5) — 作为自雇人士，买房贷款总是被拒？我们擅长处理 BAS-only、低税单等复杂收入证明，通过合规途径优化你的贷款额度，助你成功购房。