How to get a home loan when you’re self-employed

Apr 15, 2019 11:48:11 AM

When applying for a mortgage, most lenders require you prove your income which can be a challenge if you’re self-employed; particularly if you haven’t already done your taxes or been in business for very long. But that doesn’t mean the end of your home ownership dreams. At Mortgage Express, we help self-employed borrowers every day, working with lenders who offer alternative options and access to competitive home loans.

Read more

Topics: Credit Check, Self-Employed, lending options, Home Loan Advice, Small Business Lending, Australia Mortgage Broker, Home Loan Application

Can bad credit stop you getting a home loan?

Apr 15, 2019 11:44:44 AM

Bad credit happens for all sorts of reasons: illness, divorce, redundancy, causing you to miss payments and end up with a black mark against your name. Even if you do manage to pay the overdue bills, clear your debt, or fix up a default on a loan repayment, your credit history may still be impaired. Read on to find out what bad credit is and what your options are when it comes to securing a home loan with bad credit.

Read more

Topics: Credit Card Debt, Credit Check, Bad Credit Home LOan, Bad credit, Comprehensive Credit Reporting, Home Loan Advice, Australia Mortgage Broker

How do lenders assess home loan applications?

Nov 28, 2016 8:00:00 AM

When applying for a home loan, it helps to understand how lenders assess you and your situation. Whether it’s a bank, an independent lender or a financial firm, applications are carefully assessed before they are either approved or declined. And while credit policy may differ amongst lenders, all lenders follow similar guidelines when assessing loan applications.

Read more

Topics: Australia, Loans, Credit Check

Getting a mortgage with bad credit

Jul 25, 2016 7:57:13 AM

Getting a mortgage has always been harder for people with bad credit. But having bad credit doesn’t necessarily mean the end of the road when it comes to buying property. By working with a mortgage adviser or mortgage broker, we’ll analyse your credit situation against the various lending policies, and find the best possible solution to fit your needs.

Read more

Topics: Mortgages, Credit Check