Self-Employed

Being self-employed can present a different set of challenges when it comes to applying for a home loan, especially if you have fluctuating income or limited proof of earnings. But don't worry – with over 15 years of experience, we know exactly how to help. We’ll work with you to ensure your income is presented in the best light, assist with gathering the right documentation (such as tax returns and business financials), and guide you through the application process.

At Gold Coast Lending Services, we understand the complexities of self-employment and will offer solutions that make sense for your situation, whether you’re running a business, a sole trader, or working as a contractor.

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Full-Time Employment

If you’re a full-time employee, securing a home loan can be relatively straightforward. Lenders typically look for consistent, stable income, which full-time employment can provide. At Gold Coast Lending Services, we’ll work with you to assess your financial situation, review your employment history, and find a loan that best fits your goals. We’re here to make the process focused and streamlined, ensuring you understand each step, and offering the personal touch with face-to-face support when needed.

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Part-Time Employment

Part-time employees often face unique challenges in getting approved for a home loan, particularly if their income is inconsistent. However, it’s not impossible. Whether you’re working reduced hours or multiple part-time jobs, we’ll look at your overall financial picture, including your savings and any other sources of income. Our team at Gold Coast Lending Services will guide you on how to maximise your borrowing capacity and help you present your situation in the most appropriate way.

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Casual Employment

Casual employees can sometimes be at a disadvantage when applying for home loans due to the lack of job stability or guaranteed hours. However, we understand how to work with lenders to explain your situation and demonstrate your ability to meet loan repayments. By taking a holistic view of your financial situation, including savings, spending habits, and your current income patterns, we can find solutions tailored to your needs. At Gold Coast Lending Services, we’re committed to helping casual workers secure the right home loan.

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If you have any questions like these, we're here to help and provide clear explanations. For more details, please visit our FAQs

• Can I get a home loan if I’m self-employed or a contractor?

• What documents do I need to apply for a mortgage as a self-employed professional?

• How do I prove my income if I’m a part-time or casual worker?

• Can I buy a property with irregular income from a full-time or part-time job?

• What are the best mortgage options for self-employed professionals?

• How much deposit do I need to buy a home if I’m self-employed or work casually?

• Can I qualify for a home loan if I’ve only been employed part-time for a short time?

• What is the process for getting a mortgage as a freelancer or contract worker?

• Do I need to pay Lenders Mortgage Insurance (LMI) if I’m self-employed or part-time?

• Can I refinance my mortgage if I’m self-employed or working casually?