1. What is Aussie Property Pathway?
Aussie Property Pathway is an independent educational platform that helps Australians understand property and finance.
We translate complex topics like home loans, refinancing, and bridging finance into simple, actionable insights — giving you the clarity and confidence to make informed decisions.
2. Who is Aussie Property Pathway for?
We’re here for anyone who wants to make smarter property decisions — especially:
Self-employed buyers who find traditional lending confusing
Credit-impaired borrowers rebuilding after financial setbacks
Homeowners upgrading or bridging between properties
3. Is Aussie Property Pathway a lender or broker?
No. We’re an independent educational resource, not a lender, broker, or financial adviser.
We don’t sell financial products — we explain them, so you can make informed choices and work confidently with your preferred professionals.
4. Can I get personal financial advice through Aussie Property Pathway?
We don’t provide personalised financial or credit advice.
Our content is general information only, designed to help you understand your options before speaking with a licensed adviser or lender.
Self-Employed Pathway
5. Why is it harder for self-employed Australians to get a home loan?
Traditional lenders often rely on payslips and stable PAYG income, which many business owners don’t have.
If your income fluctuates or you use tax deductions, your borrowing power may appear lower on paper — even if your business is strong.
6. What can I do to improve my chances of loan approval as a self-employed borrower?
Here’s what lenders like to see:
Two years of business financials and tax returns
Consistent income trends
Clear separation between business and personal finances
Even if you’ve been self-employed for less than two years, some lenders may still consider you under low-doc or alt-doc loan options.
7. What is a low-doc or alt-doc home loan?
A low-doc loan allows self-employed borrowers to apply with alternative documents like BAS statements, bank statements, or accountant declarations instead of full tax returns.
These loans often come with slightly higher interest rates but provide flexibility for business owners.
Credit-Impaired Pathway
8. Can I get a home loan with bad credit?
Yes — it’s possible.
Many specialist lenders in Australia offer home loans for people with defaults, judgments, or bankruptcy history.
You may pay a higher rate initially, but if you make consistent repayments, you can often refinance to a better deal later.
9. What’s the best way to rebuild my credit before applying for a home loan?
Follow these steps:
Check your credit report and fix any errors.
Pay bills on time for at least 6–12 months.
Reduce credit card balances and unnecessary applications.
Save a larger deposit, if possible.
These actions show lenders you’ve regained control of your finances.
10. Will a past bankruptcy stop me from getting a loan?
Not always.
Some lenders will consider applicants once they’ve been discharged from bankruptcy — usually after two years.
A strong income, stable savings history, and clean recent credit record can help rebuild trust with lenders.
Bridging Pathway
11. What is a bridging loan and how does it work?
A bridging loan is a short-term loan that helps you buy a new home before selling your current one.
It covers the “bridge” period between purchase and sale, so you can move without rushing your old property’s sale.
12. How long can I have a bridging loan for?
Most bridging loans last between 6 and 12 months.
The exact term depends on your lender, your existing home’s equity, and your sale timeline.
13. What are the risks of bridging finance?
The main risks are:
Paying interest on two loans at once
Taking longer to sell your current home
Overestimating your home’s sale price
We always recommend planning carefully and using our Bridging Finance Planner to understand your timing and costs before committing.
Practical Tools & Resources
14. What free tools does Aussie Property Pathway offer?
You’ll find:
Step-by-step guides and checklists
Loan-readiness planners
Budget and deposit calculators
Educational blogs and FAQs
All tools are designed to make complex decisions simple and actionable.
15. How can I get started?
Choose the pathway that fits your situation —
Self-Employed, Credit-Impaired, or Bridging/Upgrading — and download the free guide that matches your goal.
It’s the easiest way to understand your options and move forward with confidence.
⚖️ Legal & Privacy
16. How do you protect my personal information?
We follow the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).
Any personal information collected through forms or guides is stored securely and never shared without your consent.
You can read our full Privacy Policy for details.
17. Can I unsubscribe from emails or guides?
Yes — every email we send includes a simple unsubscribe link.
Once you click it, you’ll stop receiving communications (unless you choose to opt in again).
