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Find out the best interest rates available:

Owner-occupied Home Loan
5.99% p.a.      6.00% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions. Interest rates quoted are valid at 19/05/2024. Updated interest rates and fees should be requested directly.
Investment Home Loan
6.29% p.a.      6.30% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an investment residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions. Interest rates quoted are valid at 19/05/2024. Updated interest rates and fees should be requested directly.
Car Loan
6.52% p.a.      7.50% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The interest rate is available to approved applicants financing a motor vehicle on a secured consumer fixed rate loan over 60 months. The comparison rate is based on a 5 year secured fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications for finance are subject to normal credit assessment. Conditions, fees & charges apply. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions. Interest rates quoted are valid at 19/05/2024. Updated interest rates and fees should be requested directly.
Personal Loan
7.24% p.a.      8.22% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The interest rate is available to approved applicants getting a fixed rate personal loan over 60 months. The comparison rate is based on a 5 year secured fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates do not include our brokerage fee. Applications for finance are subject to normal credit assessment. Brokerage not included. Conditions, fees & charges apply. Interest rates quoted are valid at 19/05/2024. Updated interest rates and fees should be requested directly.
Refinances available from:
5.99% p.a.      6.00% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions. Interest rates quoted are valid at 19/05/2024. Updated interest rates and fees should be requested directly.
Pre-approvals available from:
5.99% p.a.      6.00% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions. Interest rates quoted are valid at 19/05/2024. Updated interest rates and fees should be requested directly.

Home Loans for Small Business Owners

Owning a small business makes a home loan application a little more complex, but generally won't lower your chance of getting approved. Mortgages for small business owners that have been operating for less than 2 years are still doable; see our self employed home loan requirements page for more information. The main difference when owning a small business is that we'll need to understand your business: how it operates, how it generates income & how it's been setup.

Small business home loans don't need to be hard.

We are very good at understanding different business structures & income options to assist you in applying for a home loan as a small business owner. If you want to understand more about what makes us different & how our process works, head to Mortgage Broker Brisbane page.

Home loan for small business owners

What are the options for declaring income as a small business

For a full breakdown of how we calculate income for a small business owner, please check out our self-employed home loan page..

Income options for full-doc loans:
Average of the last two years profit + addbacks. Or,
Latest year's figures in isolation.
We have lenders that will exclude company debt from servicing.
We can also use the Director's Salary in isolation.
Income options for low-doc loans, or applicants who's small business has been running under 2 years:
6 months' BAS.
Accountant's Letter.
6 months' business bank statements.
Note: we only need one of the above in most cases.

How your business structure will affect your home loan?

It doesn't matter how simple or complex your small business' structure is, as long as you or your Accountant can help us understand. We are experienced in dealing with a number of entities under one application. Once we understand everything, we'll draw it up in a flow-chart to help us & the bank to understand your business structure.

We can deal with any number of entities within your small business structure:
Trusts. We can also look at purchases within discretionary or unit trusts.
Companies. Options to use full financials, just BAS or just a Director's salary.
Partnerships & sole traders.

Company or Trust Structure (or pty ltd ATF xyz)

To consider you self-employed, we'll be looking for a 25% stake in the company in most cases. We can then look at profit + addbacks and apportion the income to you per your shareholding percentage

Under a company/trust structure, there are options to exclude business debts from affordability calculations with certain banks. There are also options to use your salary in isolation - i.e. treat you as if you're a PAYG employee (must be trading profitably).

In most cases, you want to be trading for 12 - 24 months. A fairly common scenario we see is when a sole trader has swapped to a company - which is accepted in most cases.

Partnership

For a partnership, we'll be looking at the full trading profit and splitting it 50/50 to the Partners (or relative to the number of partners).

Sole Trader

In the case of a sole trader, we will always need to income all income / debts in affordability, as the business and the individual are the same thing. Sole traders are exempt from needing to do full financials for a home loan application (although we'll want individual Tax Returns).

Please contact us for any questions or email me at zak@bluefoxfinance.com.au

Enquiry Form



Requirements for a small business owner home loan:
6+ months ABN necessary, however 2 years recommended.
Lower interest rates available at 80% LVR.
Vacant land and construction excluded when trading for less than 2 years.
Features of a small business owner home loan:
Fixed and variable interest rates.
Credit impairments acceptable at lower LVRs.
Secured by residential security. Commercial security available under alternate product.
Minimum loan amount of $50,000.

FAQ about our small business owner home loans:

What are your full-doc income verification options?

2 years' financials OR 1 year's financials OR Director's Salary.

What are your low-doc income verification options?

6 months BAS OR Accountant's Letter OR 6 months business bank statements.

Do you charge for your service?

No. The lender pays us a commission for a successful application so you needn't pay us anything.

Do you only service Brisbane?

We can do home loans for small business owners anywhere in Australia, often over the phone. Our Mortgage Broker is however based in North Brisbane, and as such can service all surrounding areas in person: Albion – Alderley – Ascot – Aspley – Bald Hills – Banyo – Boondall – Bracken Ridge – Bridgeman Downs – Brighton – Brisbane Airport – Carseldine – Chermside – Chermside West – Clayfield – Deagon – Eagle Farm – Everton Park – Fitzgibbon – Gaythorne – Geebung – Gordon Park – Grange – Hamilton – Hendra – Kalinga– Kedron – Keperra – Lutwyche – McDowall – Mitchelton – Myrtletown – Newmarket – Northgate – Nudgee – Nudgee Beach – Nundah – Pinkenba – Sandgate – Shorncliffe – Stafford – Stafford Heights – Taigum – Virginia – Wavell Heights – Wilston – Windsor – Wooloowin – Zillmere.

Will a credit check be required?

We can pre-asses your application without a credit check, however the lender will be required to do one upon application.

The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates and lender policies change frequently, please contact us to confirm the latest details. Applications for finance are subject to normal credit assessment. Conditions, fees & charges apply.