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  • Self Employed Loan Simplified by RAMS


    Self Employed Home Loans allow the self-employed to apply with less paperwork than a standard home loan, getting you in your home quicker.   RAMS was awarded 'Best Self-Employed Lender' at the 2018 and 2017 Australian Lending Awards, which highlight mortgage lenders who provide exceptional products and services.


    Greater Together is helping business owners become homeowners, with a self-employed home loan.

    If you run your own small business, you might have heard about self-employed home loans.  They're simply a loan where the lender requires fewer documents at application, than they would for a standard home loan.  This smaller set of paperwork might include your business activity statement, a declaration about your income and confirmation of that income from your accountant.  

    But each lender will have their own requirements.  

    This offers a flexible solution if you're self-employed, with income and assets, but you don't have your financial statements or tax return ready at the time of your application.

    Although you may not have to provide all the usual proof of income documents, it's worth keeping in mind that some lenders might charge higher interest rates and they may not let you borrow as much of the property price as they might with a standard home loan.

    Support and home loan advice for the self-employed. It's why RAMS was awarded 'Best Self-employed Lender' at the 2018 and 2017 Australian Lending Awards and it's why we're greater together.




    About the author

    • Raymond

      Raymond A Ram is the RAMbassador for RAMS Financial Group. Raymond works with the RAMS team to bring simple, helpful and expert information on home loans and savings accounts to life with his down to earth and cheeky personality. He enjoys seeing everyday Australians turn their dreams of saving for a goal or getting into a home a reality. 

      Growing up in Goulburn, NSW, Raymond was brought up with good old-fashioned Aussie values of hard work and a fair go. It soon became apparent that Raymond wasn't content for the conventional path of grazing, producing the very best wool, and finding a nice sheep to settle down with. So it wasn't long before his passion for performing and his talent as a likeable larrikin shone through - landing him a few roles such as 'RAMlet'. He was even tipped to play RAM-bo at one point but chose to become star of the small screen instead as RAMbassador for RAMS. He now finds this role so much more rewarding.

      Contact your local RAMS Home Loan Centre about your home loan options.

      Raymond A Ram

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  • Disclaimer:

    The information here is of a general nature only and is not intended to constitute financial or tax advice. You should consult your professional adviser, accountant or taxation expert for advice specific to your personal circumstances.

    The views and opinions expressed in this article are those of the author alone and do not necessarily represent the views or opinions of RAMS Financial Group Pty Ltd ABN 30 105 207 538 (RAMS),  Westpac Banking Corporation ABN 33 007 457 141 (Westpac) or their related bodies corporate. This article is strictly for information purposes only and neither RAMS, Westpac nor any of their related bodies corporate make any representation as to the accuracy or completeness of the information in this article or endorse the views expressed in it.