Knowledge Centre

Practical home-loan guides built around the questions that come up before, during and after an application. General information only — check current lender, product and government requirements before relying on a time-sensitive detail.

August 24, 2026

Business or company liabilities: how they affect your personal borrowing capacity
Read the brief →: Business or company liabilities: how they affect your personal borrowing capacity
August 24, 2026

Depreciation and other add-backs: why there’s no simple “net profit plus add-backs” formula
Read the brief →: Depreciation and other add-backs: why there’s no simple “net profit plus add-backs” formula
August 24, 2026

Your latest business year was down, what happens next
Read the brief →: Your latest business year was down, what happens next
August 24, 2026

Your business profit jumped sharply, does the lender use the full amount?
Read the brief →: Your business profit jumped sharply, does the lender use the full amount?
August 24, 2026

One year or two years of self-employed financials? The method matters more than the label
Read the brief →: One year or two years of self-employed financials? The method matters more than the label
August 24, 2026

Self-employed for 6, 12, 18 or 24 months? The business-age ladder
Read the brief →: Self-employed for 6, 12, 18 or 24 months? The business-age ladder
August 24, 2026

Parental leave and returning to work: what lenders want to see
Read the brief →: Parental leave and returning to work: what lenders want to see
August 24, 2026

A second job: does it actually help your application?
Read the brief →: A second job: does it actually help your application?
August 24, 2026

Bonus income: is it counted as ongoing income?
Read the brief →: Bonus income: is it counted as ongoing income?
August 24, 2026

Commission income: why one strong month isn’t enough
Read the brief →: Commission income: why one strong month isn’t enough

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Credit Representative Disclosure: Kartikkumar Patel — Credit Representative No. 573288 — is a Credit Representative of Mortgage Australia Group Pty Ltd (Australian Credit Licence 377294). Associate Member, Finance Brokers Association of Australia (FBAA) — Member No. M-361162.

Disclaimer: This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Consider whether the information is appropriate for your circumstances. Your full financial situation will need to be reviewed before any credit recommendation or application. This website does not provide legal or tax advice.