Brisbane Self-Employed Home Loans

The Self-Employed Path to Ownership: A 6 Step Guide

01 | Organise your financials and budget

While major lenders traditionally prefer a full 20% deposit alongside two years of clean tax returns, alternative lending structures offer much greater flexibility.

• ABN history: Having your ABN active for two or more years opens up standard bank rates, though options exist for shorter trading periods.
• Low doc options: If your formal company tax lodging is behind, we can explore pathways utilizing recent Business Activity Statements (BAS) or bank records.
• Local budgeting: Remember to separate your personal property deposit from your business working capital, factoring in upfront costs like building inspections and legal fees.

02 | Navigate the loan process

We dissect the distinct credit policies of over 60 commercial and residential lenders to form your tailored Game Plan. Once you choose the right direction, we secure your formal pre approval, which typically provides a confirmed spending boundary for three months while you shop around.

03 | Know your options

We assist you in selecting the ideal mortgage framework to protect your personal cash flow:

• Variable options: Rates can move up or down over time, offering maximum freedom to make extra lump sum repayments from your business profits.
• Fixed options: Lock in your interest rate for a set timeframe, ensuring your household expenses remain completely stable regardless of the economy.
• Split setup: Allocate your balance across both strategies, combining fixed safety with the dynamic features of a variable loan.
• Offset accounts: A critical tool for business owners; link your cash reserves or tax provisions to your mortgage to instantly lower the interest you owe.

04 | Find your ideal Brisbane property

When looking across Brisbane’s inner ring and expanding commercial corridors, look for a property style that complements your personal long-term security:

• Established homes: Buying a residential property with strong land value offers solid capital growth to balance out your business assets.
• Commercial vs Residential: We can help you navigate buying a home to live in, or alternatively, help you purchase a commercial premise for your business to operate from.

05 | Property buying checklist

Before you commit to a purchase in Queensland, keep these critical items on your radar:

• Entities and titles: Decide with your accountant whether the property title should sit under your individual name, a company name, or a family trust structure.
• Tax positions: Work closely with our brokers and your accountant to align your property goals with your corporate tax minimisation strategies.
• Property health: Always include a conditional clause for a professional building and timber pest inspection to verify the structural soundness of the building.

06 | Why choose an Ignite broker?

• We are business advocates: We operate independently of the major banks, meaning our primary focus is helping your business win.
• Deep policy knowledge: We understand how to add back one-off expenses, depreciation, and instant asset write-offs to maximize your real borrowing limits.
• No out of pocket expense: Our advisory and submission service is paid directly by your chosen lender, giving you professional representation without an extra invoice.

Ready to lock down your future home?

Running your own business is a massive achievement. Let the team at Loan Market Ignite handle the lending mechanics while you keep your business moving forward.