Do any of these apply to you?
Trading for two years with financials up to date
If you have lodged your tax returns for the last financial year you will be in the best position to secure some of the most competitive home loans on the market. Two years tax returns will be used to verify your income, but interestingly lenders differ in their treatment of the two years.
PAYG income to contracting
Often you can earn more by contracting than being employed, but by doing this you may not realise the impact this will have on your ability to get a home loan. Most lenders will not want to use your income until you have lodged two years tax returns but there are options so you don't need to put your life on hold.
Self Employed Home Loan Options
- Low Rate Home Loan
- From 3.15% p.a. Variable Rate**
- 3.17% p.a. Comparison Rate*
Why Choose State Custodians?
We can help navigate home loan solutions with access to a range of specialised self employed options
From a quick question to a detailed discussion, no need for appointments, just phone, email or Live Chat
A dedicated Lending Specialist can do the hard work for you, from exploring options to simplifying the process
We hold a full credit licence and are a member of the MFAA and the Credit & Investments Ombudsman
Dealings in the initial stages was great - quick/prompt/friendly service - fast application turnaround. And once approved, went over and beyond for me. Took the time to explain the products and also to understand my situation and financial goals. This is rarely seen in the financial lending world....! Great service - very very impressed.
Despite the complexities of our situation, the team has shown terrific customer service in handling our numerous tasks and ensuring we are able to meet our timeframes. Please pass on our thanks, we look forward to a smooth settlement and financial arrangement with your organisation.
Amazing staff who were very patient and replied quickly to all calls and emails. Some companies we contacted took days to return calls but I need waited more than half an hour with State Custodians. Loan was processed quickly with no hassles. Rates are great and low fees. Couldn't be happier with the whole process.
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