Mortgage & Loan Advice and Brokering for Self-Employed Borrowers

You can focus on work while we work to find you a loan product that meets your specific requirements.

Howard Ghedia and the What Loan Team in Paramatta are Here to Find the Right Loan

Whether you want to purchase a home or investment property or invest in your business, whatever you need to finance, we can help you access lenders with products catering to the diverse needs of self-employed borrowers and individuals with irregular PAYG income.

We are experienced in securing loans for self-employed borrowers. We understand the specific lending requirements for the self-employed and can help small business owners, sole traders, and freelancers find loan solutions tailored to their needs.

We appreciate that self-employed borrowers often cannot provide the standard documentation required for a loan. The same goes for new business owners with fewer than two financial years’ records. Even if you cannot provide the routine paperwork, we can work with you to secure a loan with competitive rates.

Howard Ghedia and the What Loan team have access to flexible lenders offering products for self-employed borrowers, new business owners, and people with irregular PAYG incomes. Our experienced brokers will meet with you in person or virtually, taking the time to analyse your financial situation – your circumstances, assets, security – and business goals. Then, they will identify lenders that meet your lending requirements, leaving you free to focus on your ABN business.

We consider your current and predicted financial circumstances and present you with products to satisfy your loan requirements. The final choice is yours, but we provide recommendations and important information so you can make a well-informed decision.

We will be with you on your lending journey, researching and liaising with lenders, sparing no effort in securing the ideal loan to meet your needs.

What Documentation Will I Need?

Borrowers without the standard complete documentation can provide income verification by other means, including:

• Business Activity Statements (BAS)
• Signed letter from your accountant
• Business and personal bank statements
• ABN and GST registration
• Tax returns
  

You will have more borrowing options if you have a strong historical cash flow or a new business with a competent plan and projection.

How Much Can I Borrow?

To determine how much you can borrow, you need to know what potential lenders will loan you against the value of the asset you want to purchase. This is expressed as a loan-to-value ratio (LVR). Some financial institutions will lend no more than 60% of the asset value, while others will let you borrow up to 80% of the asset value. However, the higher the LVR, the higher the interest rate applied.

Contact Howard Ghedia and the What Loan team to discuss your situation with an experienced broker who can help you explore options to meet your requirements.

Why Choose Us?

Howard Ghedia is an experienced mortgage and finance broker with complementary knowledge and experience gained over 25 years as an accountant, financial advisor, and tax specialist. With a wealth of experience and a strong professional network, Howard helps find the best financial products for his clients.

Why do self-employed borrowers choose Howard Ghedia Mortgage and Finance Broker Trading as What Loan?

Howard Ghedia trading as What Loan Pty Ltd

ABN 75 118 207 873

Australian Credit Licence 38 9886

MFAA Credit Adviser

MFAA Accredited Broker

MFAA Certified Mentor

How much can you borrow?

• How Long to Repay Calculator
• Borrowing Power Calculator
• Stamp Duty Calculator