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I'm Aron.
Your Local Northern Beaches Mortgage Broker
Tailored mortgage advice from an experienced and independent local
We don't charge any fees for our services at any time
Access to over 400 loans from over 40 different lenders
Aron Cardona
Your local Northern Beaches Mortgage Broker
I'm a Mortgage Broker and Northern Beaches local with a passion for fishing... I mean to help everyday Australians obtain a mortgage to buy property 😄.
I specialise in tailoring home loan solutions fitting your needs and goals, drawing on my 14 years lending experience, as well as my own personal journey as a first-time buyer, upgrader, investor, and business owner.
I'm accredited with over 40 lenders, being a premium broker with many. I'm also partnered with other local business to help support your financial journey.
I assists clients across Australia, with a focus on the Northern Beaches suburbs of Dee Why, Frenchs Forest, Cromer, Collaroy, Narrabeen, Wheeler Heights, Allambie Heights, Beacon Hill, and Manly.
Recent Wins
Happy Campers
Any Questions?
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Why do self employed loans differ from standard loans?The short answer is income verification. A borrower that's earning a salary shows consistent income which makes it easier for a lender to assess the application. A self employed borrower generally has fluctuating income, so lenders like to take an annual or bi-annual sample to determine what income to use for the application.
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What businesses are eligible?✅ Most lenders require 24 months ABN registration ✅ Some lenders will accept 18 months ABN registration ✅ Most lenders require GST registration ✅ One lender can consider a new business (start up)
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How do I prove my income as a self-employed borrower?This varies lender to lender, but the most common can consist of: ✅ Accountant prepared tax returns ✅ Bank statements ✅ Payslips (if you pay yourself a salary) ✅ BAS statements ✅ Accountant letters
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How much can I borrow as a self employed customer?✅ Borrow up to 95% of the property value with one or two years’ tax returns. ✅ Borrow 80% - 90% of the property value with little to no income verification (low doc loan). ✅ Borrow up to 80% of the property value if you’ve been self-employed for less than a year.
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What if I’ve been self-employed for less than a year?If you’ve been self-employed for less than one year there aren’t many options. Most banks won’t lend to you because you don’t yet have tax returns to prove your income and because new businesses have more financial uncertainty. One of our lenders can look at your income from your last job and take that as proof that you can afford the loan if you're in a similar industry. The reasoning behind this is that if you decided to close your business you could always return to working for someone else on a similar salary to your previous job. On that basis we can help you borrow up to 80% of the property value.
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What is a low doc loan?Low doc loans are designed for self-employed borrowers who may not have all the necessary documentation to prove their income and financial position. Instead of providing the usual documentation, self-employed borrowers can provide alternative documentation such as BAS statements, bank statements or an accountant’s declaration. Due to the lower documentation requirements, low doc loan interest rates are usually higher, as well as its fees. Low doc loans also have more stringent lending criteria than standard home loans. They may also require a larger deposit, with lenders often requiring a minimum of 20% deposit for low doc loan.
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Can I refinance my low doc loan if my financial situation improves?Yes, you can refinance your self-employed loan when your financial situation becomes more stable and your business shows consistent income. It's a good way to secure a better interest rate or more favourable terms.
MortgageHub is a family operated award winning mortgage brokerage based in Sydney's Northern Beaches, specialising in coaching everyday Australians achieve their financial dreams.
Accredited with over 40 banks and lenders, insurance providers and property researchers, MortgageHub offers a wide range of options and solutions.
We negotiate between all the various banks on your behalf to obtain tailoring a loan solution to benefit your lifestyle and goals.
We'll manage the application process and liaise with real estate agents, banks, solicitors providing you with a stress free service. We offer a helping hand through the entire process so you never feel lost.
Whether your buying a house, car or just need some financial breathing space, we've got your needs covered.
© MortgageHub is a subsidiary of Cardona&Co Financial Solutions. Credit Rep of Australian Credit Licence Number 377294