Contractor Home Loans

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CONTRACTOR LOANS FOR CREATIVE PROFESSIONALS

 Not all jobs are steady 9-5!

If you’re a creative professional, it’s likely your days (and nights) are always busy but your earnings ebb and flow.

For actors, events-based professionals, musicians, production crew and artists, it can feel frustrating to be overlooked for loans because of the way your industry works.

However, with the right evidence of your income and the right support on your side, it is more than possible to secure a home loan as a creative professional.

Contact your creative professional and contractor loan specialist

HOME LOANS FOR CONTRACTORS

Now you have established your reputation as a creative professional, you can rely on a steady stream of commissions, gigs and contracts.

As a result, you can definitely be a candidate for a loan.

Get the help of an expert broker who understands which lenders to apply to and how to demonstrate that you are capable of repaying a loan.

CAN I BORROW MONEY FOR A HOME LOAN AS A CONTRACTOR, ARTIST OR MUSICIAN?

If you have a good credit history, a substantial annual income and evidence of being able to save money, you can definitely be considered for a home loan.

Here are some of the things you will need as part of your application:

  • evidence of your income for the last 2-5 years;
  • evidence of your personal debt (ideally it will be very minimal);

a good credit history, and

  • evidence you have been saving for a deposit (this could also include proving you have been steadily paying rent).

Take a look at this video for more information about figuring out how much you can borrow: coming soon

The most important thing you need when applying for a creative professional or contractor loan is someone who can walk you through the process and help you come up with a plan that will allow you to achieve your goals.

MEET YOUR CONTRACTOR LOANS SPECIALIST

Steve Morrison

With a ten year history as a mortgage broker, I have helped over one hundred creative professionals to get their home loan application over the line.

Whether you have a deposit saved and ready to go or you just want to know what your options are, I can help you understand what to do at every step.

My services include researching the lenders that offer the most competitive mortgages to Australians who don’t have the usual 9 to 5 job.

CONTRACTOR LOANS: HOW IT WORKS

If you’re a creative professional who does contract work and you are looking to buy a home, it makes sense to work with a mortgage broker who understands what’s possible for you.

  • Book a time to speak with me and we’ll go through your circumstances, your plans and your ideal outcome.
  • I’ll let you know how much you can borrow based on your savings, current interest rates and your borrowing options.
  • Then we will work together to prepare an application with a lender who can provide the most suitable options.

IMPORTANT INFORMATION ABOUT HOME LOANS FOR CONTRACTORS

Because contracting work doesn’t come with a regular salary like a PAYG employee, it is critical that when presenting your application, the person assessing your loan understands your unique circumstances and earning potential so they can confidently approve you.

For the past 10 years, that is what I have built significant expertise in; helping contractors like you to package up and present your application in the right way so the lender is comfortable to take you on as a client.

Get in touch to schedule your first appointment.

Contact your contractor loan specialist

 

 

Paramedic Home Loans

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PARAMEDIC LOANS

Paramedic workers are some of the most valuable and hard-working members of our society.

As a paramedic, you may be wondering if there are mortgage loan programs for first responders.

The good news is that you could have access to loan options that aren’t available to the general public.

Contact your paramedic loan specialist

PARAMEDIC LOANS: MORTGAGE LOAN PROGRAMS FOR FIRST RESPONDERS

 In Australia, people who work as paramedics and in other professions such as not for profit or healthcare can be entitled to access salary packaging options.

When you use salary packaging, you can have all or some of your mortgage payments deducted as part of your pre-tax income.

As a result, you can either borrow more or benefit from lower repayments. This makes having a home loan as a paramedic more manageable.

CAN I BORROW MONEY FOR A HOME LOAN ON A PARAMEDIC  SALARY?

If you have a good credit history and evidence of being able to save money, you can definitely be considered for a home loan if you are a paramedic or emergency services worker.

Here are some of the things you will need as part of your application:

  • evidence of your income and employment history;
  • evidence of your personal debt (ideally it will be very minimal);

a good credit history, and

  • evidence you have been saving for a deposit (this could also include proving you have been steadily paying rent).

Take a look at this video for more information about improving your borrowing capacity:

BORROWING CAPACITY VIDEO  – in production coming soon

The most important thing you need when applying for a home loan as a paramedic or first responder is the help of someone who can walk you through the process and help you figure out if you can rely on salary packaging as an option.

WORK WITH A SPECIALIST IN PARAMEDIC LOANS

Steve Morrison

With a ten year history as a mortgage broker, I have helped dozens of paramedics and healthcare workers to get their home loan application over the line.

Whether you have a deposit saved and ready to go or you just want to know what your options are, I can help you understand what you need to do at every step.

My services include researching the lenders that offer salary packaging options and paramedic loans at the most competitive rates.

PARAMEDIC LOANS: HOW IT WORKS

If you’re a paramedic, it makes sense to work with a mortgage broker who knows which home loans will suit your needs and your budget.

  • Book a time to speak with me and we’ll go through your circumstances, your plans and your ideal outcome.
  • I’ll let you know how much you can borrow based on your savings, current interest rates and your options for borrowing as a healthcare professional.
  • Then we will work together to prepare an application with a lender who can provide the most attractive salary packaging options.

Get in touch to schedule your first appointment.

Contact your paramedic loan specialist

Home Loans for Nurses

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HEALTHCARE WORKER & NURSE HOME LOANS

Nurses and healthcare workers are some of the most important and hard-working members of our community.

If you’re a nurse or someone who works in healthcare, did you know that there are certain lenders that take into account the full benefits of salary packaging your home loan?

Taking this approach can maximise your borrowing capacity and at the same time, minimise the financial impact of having a mortgage.

Contact your nurse and healthcare worker home loan specialist

SPECIAL HOME LOAN OPTIONS FOR NURSES

Salary packaging works by allowing nurses and healthcare workers to earmark some or all of their home loan repayments as a tax-free expense. It is not always an option that is available to the general public, which is why you may not have heard about it before.

As a result of salary packaging, you will pay less tax. This means you have more money to put towards living expenses.

Watch the short video below to see more about how it works. (video in production)

CAN I BORROW MONEY FOR A HOME LOAN ON A NURSE’S SALARY?

lf you are a nurse or healthcare worker with a good credit history and evidence of being able to save money, you can definitely be considered for a home loan.

Here are some of the things you will need as part of your application:

  • evidence of your income and employment history;
  • evidence of your personal debt (ideally it will be very minimal);
  • a good credit history, and
  • evidence you have been saving for a deposit (this could also include proving you have been steadily paying rent).

The most important thing you need when applying for a home loan as a nurse or healthcare worker is the help of a specialist who can walk you through the process and help you figure out if salary packaging is an option for you.

WORK WITH A SPECIALIST IN NURSE HOME LOANS

Steve Morrison

With a ten year history as a mortgage broker, I have helped dozens of nurses and healthcare workers to get their home loan applications over the line.

Even when it’s not a straightforward process, I can provide the information and guidance you need to make steady progress towards buying a home.

My services include researching the lenders that offer salary packaging options and home loans for nurses at the most competitive rates.

NURSE HOME LOANS: HOW IT WORKS

Meeting with a mortgage broker who specialises in helping Australians who work as nurses or in healthcare is the first step to figuring out which special home loan options are available to you as a nurse.

  • Book a time to speak with me and we’ll go through your circumstances, your plans and your ideal outcome.
  • I’ll let you know how much you can borrow based on your savings, current interest rates and your lending options as a healthcare professional.
  • Then we will work together to prepare an application with a lender who can provide the most attractive salary packaging options.

IMPORTANT INFORMATION FOR HEALTHCARE WORKERS ABOUT APPLYING FOR A HOME LOAN

 Because nurses and healthcare workers have atypical salaries that include overtime, shift work and salary packaging, it is critical your earnings are clearly understood and presented the right way to make it easier for lenders to give you the all-important “yes”.

That’s what I specialise in. Let me help present your application the right way so you can enjoy the next stage of your homeownership journey.

Get in touch to schedule your first appointment.

Contact your nurse home loan specialist

 

 

Freelancer Home Loans

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HOME LOANS FOR FREELANCERS

Not sure if you can get a mortgage as a freelancer?

The flexibility and work/life balance that comes with being a sole trader/freelancer is hard to beat but you might be worried that this working arrangement may impact on your chances of securing a home loan.

The good news is that with the right planning, preparation and evidence of income, it is more than possible for freelancers to access the finance they need to buy a home.

Get help from an experienced mortgage broker who will guide you through the process of applying for a home loan as a freelancer.

Contact your freelance home loan specialist

HOW CAN A FREELANCER GET A MORTGAGE?

Over 2 million Australians are self-employed. These days, many lenders are aware that you can be an excellent candidate for a loan, even if you are not earning the same wage each week.

To successfully apply for a home loan as a freelancer, here are some of the things you will need:

  • evidence of your income;
  • evidence of your personal debt ;
  • a good credit history (although a bad one isn’t the end of the world), and
  • evidence you have been saving for a deposit (this could also include proving you have been steadily paying rent).

 The most important thing you need when applying for a home loan as a freelancer is the help of someone who can identify the most suitable options and who can guide you towards loan approval. 

WORK WITH AN EXPERT IN HOME LOANS FOR FREELANCERS

Steve Morrison

Having worked as a mortgage broker for more than ten years, I have personally helped over one hundred freelancers to get their home loan application over the line.

Even when the process is not that straightforward, I can provide the information and guidance you need to make your homeownership dreams come true.

My services include researching lenders that offer the most competitive home loans rates for freelancers. I will also walk you through the ins and outs of preparing a rock-solid application.

HOW IT WORKS

Meeting with a mortgage broker who specialises in helping self-employed Australians is the first step to figuring out if you can get a mortgage as a freelancer.

  • Book a time to speak with me and we’ll go through your circumstances, your plans and your ideal outcome.
  • I’ll let you know how much you can borrow based on current interest rates and lending options.
  • Then we will work together to prepare your application.

HOME LOANS FOR FREELANCERS: WHAT YOU NEED TO KNOW

When you’re a freelancer, unlike PAYG employees, your circumstances are unique. It is critical to ensure the lender understands this so they are willing to take you on as a client.

One of the key benefits to working with a specialist who understands exactly how you earn a living is to ensure your application is presented the right way to a lender the first time. This will give them the confidence to approve you for a home loan.

This is what I specialise in – helping present your case so the lender is willing and able to approve your application.

You can expect personalised, friendly service and a steady approach until we reach a result you’re happy with.

Get in touch to schedule your first appointment.

Contact your freelancer home loan specialist

 

Freelancers

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