Even if you're self-employed, you still have the freedom to choose any of our fully-verified loans at the discounted rates if your accountant can complete an Accountant Declaration form confirming your income, your ability to service the loan and that you've been in business more than three years. Choose fixed or variable interest, a revolving line of credit, or an Interest Only option of seven years with Mortgage Power. Either way, we'll have a mortgage that helps you save money.
Our Self-Certified option
And if you're unable to provide evidence of your income, but still earn sufficient to meet your loan repayments, simply complete a Self-Certified form declaring your income, along with supporting BAS statements, and submit it with your mortgage application1. You can choose any of our mortgage products or product combinations - excluding Basic Variable, Standard Variable Offset Mortgages and Mortgage Plus though not at discounted rates.
Later down the track, however, if you're able to produce your full income records or details of regular income, with an $800 Step-down fee you can apply for early 'Step-down' from the interest rate(s) that apply to your loan. Or, after two years, your variable rate accounts may be assessed for eligibility for a discounted interest rate.
Three Steps to finding the best Loan
Begin by telling us what you're looking for, and we'll show you the best loans we have for you. Then just send us your details and one of our mortgage specialists will look after you from there. Alternatively, you can view our entire range of loans. And at any stage, you can click though and arrange for one of our mortgage specialists to do the rest.
• Existing customers - Call us on 13 24 84 (available 24 hours a day, 7 days a week)
• New customers - Call us on 1300 361 922 (Mon to Fri, 9am to 5pm AEST)
1 It is important that correct income information is provided in the self-certification declaration form and your mortgage application, as these will be used to determine your ability to repay the loan. In addition, you will be required to provide BAS statements and must have a registered ABN for at least 24 months.
