You work hard enough, so getting a home loan should be simple.
We celebrate all business owners and entrepreneurs who take on that challenge. We were a start-up once, after all.
So, while most home loans are still geared towards the 9 to 5 worker who are considered ‘lower risk’ for the lender, there are ways to do things differently to support the 17% (Trading Economics), like you. We’ve found them, and made them faster.
If you’ve been self-employed for less than two years, you can utilise our CO:Lab Accountant Verified home loan to give you an alternative way to demonstrate your income.
Customer declaration and accountant verification.
If you have your ducks (and docs) in a row, Tic:Toc home loans are for you. More flexibility, at the best price.
2 years’ worth of up-to-date tax returns or business financial statements.
Tighter lending rules means you may need an alternative to borrow a little more. Our CO:Lab Variable loan may allow you to buy the home you want, sooner.
2 years’ worth of current tax returns or business financial statements.
If you’re looking to finance your business, you may be able to secure a better rate on your loan by using your home as security. By refinancing with our CO:Lab home loans, you can release equity in your home for business purposes. In other words, you can have a business loan at home loan rates (and without the hassle of dealing with business lenders).
2 years’ worth of current tax returns or business financial statements. Accountant verified option available
They're current as of 9 August 2019; available to all home loans approved on or after this date, and they can change. Our comparison rates are calculated for a $150,000 loan over 25 years. They factor in our fees associated with applying for the loan; our ongoing fees and our fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.
WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
|Live-in fixed P&I loans||3.09% p.a.|
|Live-in fixed and variable interest only loans||3.32% p.a.|
|Investment fixed and variable interest only loans||3.35% p.a.|