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Imoney

Phone: +61 2 8338 8900

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24.01.2022 tips for self-employed home loan borrowers: 1. Look for the best offer available Don’t just go to the same bank where you have your savings or business account. Banks rely on this convenience factor and because they don’t have to try to win your business you won’t get the best loan on offer.... 2. Is your financial information up to date? Have your last 2 years financial statements, income tax returns and a notice of assessments up to date and ready. Banks rarely will accept financial statements that have not been lodged with the Australian Taxation Office. 3. Understand how you are being assessed Understand that banks use different methods of assessment for self- employed people, some use the average of your last two years income, others the lower of the last 2 years while others use a variance method 4. Are you really self-employed? Check to confirm that you are considered to be really self-employed if you are a contractor or sub-contractor you may get away with being seen as an employee with some lenders 5. What are your business add-backs? What are your business add-backs? These will help increase the income a bank will use to determine if you can afford a loan and include: Car Allowance Depreciation Interest Expense that is being refinanced or no longer exists Excess superannuation contributions Non-Recurring Expenses Non-Cash Expenses https://selfemployedloan.ding.financial/ #sydneymortgagebroker #dingfinancial #firsthomebuyerloans #broker #greensquaremortgagebroker #lowratehomeloans #sydneyfinancebroker #restructurefinance

23.01.2022 Are you an international borrower and seeking finance for a property purchase in Australia? It can be tricky and extremely difficult. Chat with our experienced team at Ding Financial of how we can assist you with a purchase. https://internationalborrower.ding.financial/... #alexandriamortgagebroker #selfemployedhomeloans #broker #businessfinance #mortgage #kogarahmortagebroker #mortgagebrokerwollicreek #greensquaremortgagebroker

05.01.2022 Maybe it is time to upgrade the car? Car getting a little old? Time to spoil yourself? Then maybe time to chat about seeking finance for the next purchase. Consider how much you can afford and the options that are available. https://carloan.ding.financial/

02.01.2022 Buying your own home for the first time can be exciting and challenging, with a whole range of financial issues to consider. First among them will be the type of loan you can qualify for, considering your current financial position and any government assistance that you may be eligible for. There is also a multitude of options you will need to consider, from fixed or variable loans, to redraw facilities and offset accounts. It can be confusing at first, and the more resea...rch you can undertake, the better you will be prepared to make the right decisions for the security of your financial future. https://firsthomebuyer.mymoney.financial/ #broker #businessfinance #mortgagebrokerwollicreek #nonresidentloans #kogarahmortagebroker #greensquaremortgagebroker #restructurefinance #lowratehomeloans

01.01.2022 You may have heard the term prime lending but what does near-prime lending and how near is it. Each lender considers the terms and methodology different so it is important that you use the insights of a mortgage broker to bring you the information and also the lenders of what is on offer. https://nearprimelending.ding.financial/ #lowratehomeloans #sydneymortgagebroker #dingfinancial #restructurefinance #selfemployedhomeloans #businessfinance #financebrokersydney #wollongong