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Positive cash flow property
A positive cash flow property is a real estate investment that generates more income than expenses, resulting in a net positive cash flow. In other words, the rental income from the property exceeds the monthly mortgage payments, property taxes, insurance, maintenance expenses, and other costs associated with owning the property. Positive cash flow properties are…
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What is negative gearing
Negative gearing is a financial strategy where an individual borrows money to invest in an asset (such as property, shares, or a business) with the expectation that the income generated from the asset will not cover the costs associated with owning and maintaining it. The resulting loss can be claimed as a tax deduction, reducing…
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Home Loan Documentation Requirements: Self-Employed, PAYG & Low Doc Explained
A complete breakdown of what documents each borrower type needs — whether you run your own business, earn a salary, or want to release equity with minimal paperwork. Covers low doc, alt doc, PAYG and unlimited cash out products.
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What GST Registration Means for Your Home Loan Application
GST registered and self-employed? Here’s exactly what your GST registration means when you apply for a home loan — and why it works in your favour with specialist lenders.
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Self-Employed Home Loans: BAS vs Tax Returns — What Lenders Actually Want
Banks want tax returns. Specialist lenders accept BAS statements. Here’s exactly what each document tells a lender — and why BAS often paints a truer picture of self-employed income.