HECS and Home Loans: How Student Debt Is Assessed
If you are carrying HECS/HELP debt and planning to apply for a home loan, it is normal to worry about how it may affect your HECS home loan approval. In reality, HECS or HELP does not automatically stop you from getting approved, but HECS and borrowing capacity are often linked through serviceability, depending on the […]
Self-Employed Home Loans: Proving Income & Cash Flow
If you run a business, freelance, contract, or work as a sole trader, you already know the frustrating part of applying for a home loan. Your real income can be healthy, but your taxable income might look smaller once legitimate deductions are applied. This is exactly where many self-employed home loans get stuck, not because […]
No Tax Returns Yet? Home Loan Options for Newly Self-Employed Borrowers
If you have just become self-employed, it is common to feel stuck when a lender asks for two years of tax returns that simply do not exist yet. The good news is that no tax returns yet does not always mean “no home loan”, it usually means the lender needs a different way to verify […]
Should Doctors Use Their Company or Buy Personally?
If you are a doctor, buying property in Australia often comes with an extra layer of complexity, especially when weighing company vs personal ownership. Your income may be strong, but how it flows can look very different to a standard PAYG employee. Some doctors are paid entirely through a hospital payroll. Others operate through a […]
Structuring a Home Loan for Doctors with Mixed Income
If you are a doctor earning income from hospital work, private practice, or a mix of both, applying for a doctor home loan with mixed income can feel more complicated than it should. Your income may look strong overall, but lenders do not always assess it in a simple or consistent way. In the current […]
Home Loans for Interns and Residents: Buying Early in Your Medical Career
Starting your medical career often comes with mixed emotions. You are finally earning a stable income, but you may also be managing long hours, frequent rotations, and a HECS or HELP balance that still feels heavy. At the same time, rising property prices and rental pressure can make you wonder whether buying a home sooner […]
How Doctors Can Access Doctor Home Loan Discounts and LMI Waivers
Buying a home as a doctor in Australia often looks straightforward on paper. Your profession is stable, demand for medical services remains strong, and income usually grows over time. From the outside, it can appear that banks would automatically roll out the red carpet. In reality, many doctors discover the home loan process is more […]