Guides & Finance Insights
Home loan & finance guides for the Mornington Peninsula
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Straightforward, no-jargon guides on the finance questions Peninsula clients ask us most, written by a local mortgage broker who specialises in self-employed and complex lending.
How to secure a home loan when you're self-employed on the Mornington Peninsula
Self-employed and worried a bank will say no? Here's how home loans really work for business owners, contractors and company directors — and how to give yourself the best shot at approval.
Read the guide →When to refinance your home loan — a Mornington Peninsula guide
Refinancing can save thousands — or cost you money if the timing is wrong. Here's how to tell whether switching your home loan actually stacks up.
Read the guide →How much can I borrow when self-employed?
Wondering how much you can borrow as a self-employed buyer? Here's what lenders actually count as income and how to give your borrowing power its best shot.
Read the guide →Low doc vs full doc — what's the difference?
Two ways of evidencing the same income. Here is what actually changes between a full-doc and a low-doc application, and what it means for cost, deposit and your options later.
Read the guide →Can I get finance without two years of financials?
Two years of financials is a lender expectation, not a law. Here is what some lenders will consider instead, and what it takes to be assessed on it properly.
Read the guide →The bank declined my loan — what happens next?
A decline is information, not a verdict. Here is what to find out before you apply anywhere else, and how to tell whether a different lender would genuinely reach a different answer.
Read the guide →Private lender vs bank — what's the difference?
Neither is inherently better. Here is how banks, non-bank lenders and private lenders differ on policy, speed, documentation, term, cost and security, and what that means for choosing.
Read the guide →How do I refinance out of private finance?
Alternative finance can be a stepping stone rather than a destination. Here is what usually has to change before a conventional lender will take the loan on, and how to plan for it.
Read the guide →Have a question these guides don’t answer?
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