Rated 5 from 51 Reviews
Public Home Loans is dedicated to assisting self-employed public servants in Australia with their home loan needs. Finding the right loan can be challenging, especially for those who are self-employed. That's where we come in. Our focus is on providing tailored Self Employed Loans for Public Servants, ensuring you have the support and guidance needed to make informed decisions. We understand the unique challenges faced by small business owners, contractors, and freelancers, and we're here to help you access Self Employed Loan options from banks and lenders across Australia.
When it comes to securing a Self Employed Loan, understanding the various options available is crucial. One popular choice is the Low Doc Loan, ideal for those who may not have all the traditional documentation required by banks. This type of loan allows you to apply with minimal paperwork, making the application process more manageable. With our expertise in Finance & Mortgage Brokers, we can help you explore these options and find a solution that fits your financial situation.
Interest rates play a significant role in determining the overall cost of your loan. Whether you're considering a fixed interest rate loan or a variable interest rate, it's important to understand how these rates can impact your repayments. Fixed interest rates offer stability, allowing you to plan your budget with certainty, while variable loan rates can fluctuate with the market. Our team will guide you through the pros and cons of each option, helping you choose the best Self Employed Loan interest rate for your circumstances.
Lenders Mortgage Insurance (LMI) is another aspect to consider when applying for a Self Employed Loan. If your deposit is less than 20% of the property's value, you may be required to pay LMI. However, some lenders offer an LMI waiver for eligible applicants, potentially saving you thousands of dollars. Our brokers are skilled at finding these opportunities, ensuring you get the most favourable terms possible.
Calculating loan repayments is a crucial step in the home-buying process. Understanding your borrowing capacity and how much you can afford to repay each month will help you make informed decisions. At Public Home Loans, we assist with income verification and self-employed income verification, ensuring your financial situation is accurately represented. This information is vital when determining your loan amount and loan to value ratio (LVR), as it influences how much you can borrow and the interest rate discounts you may receive.
Applying for a Self Employed Loan involves several steps, including getting pre-approved. Pre-approval gives you a clearer understanding of your budget and strengthens your position when negotiating with sellers. Our streamlined application process ensures that your Self Employed Loan application is handled efficiently, with minimal stress. We'll guide you through collecting bank statements and other necessary documents, making sure everything is in order before submission.
The property market in Australia can be competitive, but with our help, you'll be well-prepared to make an offer on your dream home. Whether you're buying a home for the first time or looking to expand your property portfolio, understanding stamp duty and other associated costs is essential. We provide comprehensive advice on these expenses, ensuring there are no surprises along the way.
As you consider your options for Self Employed Home Loans, remember that Public Home Loans is here to support you every step of the way. Our finance and mortgage brokers are committed to helping you access the best Self Employed Loan options available. From interest rate discounts to Lender Mortgage Insurance waivers, we'll explore every avenue to ensure you're getting the most out of your loan.
Choosing the right Self Employed Loan for Public Servants can make a significant difference in achieving your home ownership goals. With our expertise and dedication to serving self-employed public servants across Australia, Public Home Loans is your trusted partner in this endeavour. Reach out today to discuss your needs and take the first steps towards securing your future home. Whether you're ready to apply for a Self Employed Loan or simply want more information on how we can assist you, our team is here to help.
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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Samuel Hogarth
Carl was extremely professional and attentive with our situation. He kept us well informed (and calm) throughout the process. Thanks so much for getting us the best option in a tough market!
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Sam Wicks
My wife and I had a very positive experience with Carl, who was helping us organise our first home loan. Carl was responsive and managed to secure us a very competitive rate in a limited timeframe. We are truly thankful for his assistance, and would definitely recommend!
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Samantha Bartlett
Working with Nick was so fabulous! He’s very experienced and a pleasure to work with and was always happy to go above and beyond to help. I recommend his services highly!
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Mayur Solanki
Nick and the team are awesome. They helped and patiently guided me through the entire process. In every step of the process they stayed available and in constant contact. All the communications were clear and transparent. I will definitely use them again.
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Ellie
Nick has been amazing! He successfully got me my home loan. He is professional and friendly to deal with. See you for the next property!
Absolutely. While we specialise in home loans for public servants, we also assist with refinancing, investment property loans, construction loans, land purchases, and car loans. We understand the financial needs of teachers, nurses, police officers, and other public sector workers and can tailor loan solutions to suit your employment structure and benefits.
Yes. Government pay scales offer predictable, incremental increases, which many lenders see as a sign of long-term financial stability. This can positively influence both your borrowing capacity and loan approval prospects.
Yes. As a public servant, you may qualify for various state and federal initiatives such as the First Home Guarantee or stamp duty concessions. We stay up to date with all relevant schemes and will help you understand what’s available based on your circumstances.
We support current and former employees in all areas of public service, including education, healthcare, emergency services, defence, and government departments at the federal, state, and local levels. We understand the job stability, pay structure, and allowances common in these roles and can leverage that to your advantage when applying for a loan.
You'll typically need payslips, a recent group certificate or tax return, bank statements, and ID. If you're on a government salary, have salary packaging, or receive additional allowances, we know how to present these to lenders to demonstrate your full income potential. We’ll give you a checklist tailored to your role.
Yes. Many public servants, especially in healthcare and education, use salary packaging or receive fringe benefits. We understand how different lenders assess packaged income and can help ensure your full income potential is recognised in your loan application.
Yes. We’re familiar with the pay scales, entitlements, and allowances common across federal departments like the ATO, NDIA, Services Australia, and Centrelink. This insight allows us to present your income accurately to lenders and maximise your borrowing potential.
Yes, we often help clients access features like waived LMI for eligible professionals (e.g. nurses or police officers), interest-only repayments for investors, or offset accounts for better cash flow. We’ll help structure a loan that complements your long-term financial goals.
Yes. If you’ve received a formal job offer or contract from a government department in another state, many lenders will accept this as proof of future income. We can help you secure pre-approval before you move, so you’re ready to purchase when the time is right.
Definitely. Many of our clients apply jointly with spouses, siblings, or partners who also work in the public sector. We know how to structure these applications to combine incomes, strengthen the case for approval, and explore any joint eligibility for government support schemes.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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