home loans for freelancers / mortgage for freelancers / can you get a mortgage as a freelancer

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