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墨尔本 · 自雇人士贷款专家Melbourne · Self-Employed Mortgage Broker

墨尔本自雇人士贷款 / 自雇贷款经纪人：ABN 持有人、Pty Ltd 老板、个体户都能批Self-employed home loans in Melbourne — ABN holders, Pty Ltd directors and sole traders, all approved.

主流大行对自雇人士贷款审核很严：要求两年报税、收入稳定、还款能力缓冲足。但澳洲市场其实有 4 条自雇贷款路径——全文档（full-doc）、1 年报税、BAS-only、灵活文档（alt-doc）+ 会计师信。掌忠贷比较 40+ 家银行的自雇政策，按你的 ABN 年限、收入结构、行业类型匹配最容易过的银行。手机 3 分钟预审、中英文一对一。Major banks scrutinise self-employed borrowers — they want two years of tax returns, stable income and a solid serviceability buffer. But Australia actually has four self-employed paths: full-doc, 1-year tax, BAS-only and alt-doc with accountant letter. Fingertips Finance's licensed broker compares 40+ lenders by ABN tenure, income structure and industry to find the lender most likely to approve. 3-minute mobile pre-check, no credit pull, bilingual one-on-one.

3 分钟免费预审Free 3-min pre-check 看 40+ 银行利率See 40+ lender rates
收入证明 · 4 条路径Income proof · 4 paths

自雇人士贷款 4 条路径：从最便宜到最快4 ways to prove self-employed income — cheapest to fastest

不是所有自雇人士都得「等两年报税」。看你的 ABN 时间长短、报税情况、行业属性，匹配下面其中一条：Not every self-employed borrower needs to wait for two years of tax returns. Pick the right path based on ABN tenure, tax filing and industry:

1. 全文档（full-doc，两年报税）1. Full-doc (2 years tax)

ABN ≥ 2 年 + 2 年个人/公司报税。主流大行（CBA / ANZ / Westpac / NAB / Macquarie）都做，利率最低。ABN ≥ 2 years + 2 years personal/company tax. All majors lend (CBA/ANZ/Westpac/NAB/Macquarie); lowest rates.

2. 1 年报税（部分主流行 + 非银）2. 1-year tax (selected majors + non-banks)

ABN ≥ 1 年 + 1 年报税 + 行业经验。Bendigo、ING、Bankwest 等接受；利率比全文档高 0.1–0.3%。ABN ≥ 1 year + 1 year tax + industry experience. Bendigo, ING, Bankwest accept; rate +0.1–0.3% vs full-doc.

3. BAS-only / 灵活文档（无最新报税）3. BAS-only / alt-doc (no recent tax)

用 6–12 个月 BAS + 银行流水。Pepper、Liberty、Resimac、Mezy 等专门贷款机构做；利率比全文档高 1–2%。6–12 months BAS + bank statements. Pepper, Liberty, Resimac, Mezy accept; rate +1–2% vs full-doc.

4. 会计师信灵活文档（最快）4. Accountant letter alt-doc (fastest)

会计师出具年收入声明 + 6 个月银行流水。La Trobe、Bluestone 等做；适合 ABN 时间短但生意流水稳定的情况。Accountant declares annual income + 6 months bank statements. La Trobe, Bluestone accept; suits short-ABN but steady cash flow.

借款力 · 加回（add-back）Borrowing power · Add-backs

可借额度怎么算：加回怎么帮你提高借款力How borrowing power is calculated — add-backs explained

银行算自雇收入用「税后净利」，但很多支出是「会计上扣掉，实际是钱进了你口袋或省了钱」的。这部分可以「加回」收入里，叫加回（add-back）：Lenders calculate self-employed income from net profit after tax. But many expenses are deducted in accounting yet money you've kept or saved. Those can be "added back" — called add-backs:

  • 折旧 / 摊销（depreciation / amortisation）——非现金支出，全额加回Depreciation / amortisation — non-cash, fully added back
  • 一次性支出（one-off expenses）——例如生意改造、买大设备，可申诉加回One-off expenses — renovations, large equipment purchases — appealable
  • 支付给本人/家属的工资（director's fees, spouse wages）——部分贷款机构加回Director / spouse wages — some lenders add back
  • 利息支出（interest expense）——用于核算总现金流Interest expense — used for total cash-flow calculation
  • 留存利润（公司未分配利润）——部分贷款机构接受Retained profits — accepted by selected lenders

实际场景：某餐饮业主税后净利 $80k，加回折旧 $15k、夫妻工资 $40k、一次性装修 $20k 后，还款能力评估收入变成 $155k——借贷力直接翻倍。关键是找懂加回规则的经纪人帮你打包提交。Real example: a hospitality owner with $80k net profit after add-backs of $15k depreciation, $40k spousal wages, $20k one-off renovation becomes $155k serviceability income — borrowing capacity doubles. The trick is finding a broker who knows add-back rules and packages the file properly.

材料清单Document checklist

自雇贷款要准备哪些材料What documents you need

  • 身份证明：驾照 / 护照 / MedicareID: driver licence / passport / Medicare
  • ABN / ACN 证书：ABR/ASIC 查询截图，证明 ABN 启用日期ABN / ACN: ABR/ASIC extract proving registration date
  • 报税材料（按路径）：1–2 年个人税单 + Notice of Assessment、Pty Ltd 公司财报、信托财报Tax (per path): 1–2 years personal tax + NoA, Pty Ltd financials, trust accounts
  • BAS：最近 4-12 个季度（GST 报表）BAS: last 4–12 quarters
  • 会计师信：灵活文档路径必备，模板我们提供Accountant letter: required for alt-doc; template provided
  • 生意账户流水：6-12 个月Business bank statements: 6–12 months
  • 现有贷款 / 信用卡：账单 + 余额Existing debts / cards: statements + balances
  • 购房合同 / 估价（如已签）Contract / valuation (if signed)
常见拒贷雷区Common reasons for decline

墨尔本华人自雇人士最常见的 6 个拒贷原因6 most common rejection reasons for self-employed borrowers in Melbourne

  1. 收入「报税太低」做不出还款能力——报税 $40k 但实际生意流水 $200k；用加回 + BAS 重新算。Tax return too low to serviceability — $40k declared but real revenue $200k; rebuild with add-backs + BAS.
  2. 申请前 3 个月有大额 ATO 欠款——贷款机构会查；先清掉或谈分期再申。Large ATO debt within 3 months — lenders check; clear it or arrange a payment plan first.
  3. ABN 时间不到 1 年——选择接受短期 ABN 的专门贷款机构（La Trobe、Bluestone）。ABN under 1 year — go to short-ABN specialists (La Trobe, Bluestone).
  4. 生意账户大额不明流水——贷款机构怀疑洗钱；提前准备每笔超 $10k 的来源说明。Large unexplained deposits in business account — lenders see AML risk; document every $10k+ source upfront.
  5. 信用记录有违约记录——哪怕是 $200 的电话账单未付都会被查；先清违约记录、6 个月后再申。Default on credit file — even a $200 unpaid phone bill flags; clear it, wait 6 months.
  6. 行业被列「高风险」（夜店、博彩、虚拟币交易）——主流大行直接拒；找接受细分行业的专门贷款机构。"High-risk" industry (nightclubs, gambling, crypto trading) — majors decline outright; go to niche-friendly specialists.
时间线Timeline

从材料到放款：5–10 个工作日From documents to settlement: 5–10 business days

  1. 第 1 天：手机 3 分钟预审，出可借额度区间 + 贷款机构短名单Day 1: 3-minute mobile pre-check (no credit pull) → borrowing range + lender shortlist
  2. 第 2-3 天：上传材料，我们整理并匹配最合适的贷款机构Day 2–3: upload docs; we package and match the right lender
  3. 第 4-7 天：提交申请，贷款机构审批；自雇灵活文档案件通常 5-7 个工作日Day 4–7: submit; lender assessment — typically 5–7 days for self-employed alt-doc
  4. 第 7-10 天：拿到正式批贷，进入交割（settlement）流程Day 7–10: formal approval; settlement workflow begins
常见问题FAQ

自雇人士贷款 FAQSelf-employed loan FAQ

ABN 只有半年能贷款买房吗？Can I borrow with only 6 months ABN?

现实点说，比较难——主流大行要 2 年 ABN。但 La Trobe / Bluestone 等专门贷款机构接受 6 个月 ABN，前提是你在同行业有之前的 PAYG 经验（比如做 IT 合同工之前是 IT 公司员工），利率比全文档高 1–2%、首付通常要 20%+。先把材料拿来评估再决定。Realistically it's hard — majors want 2 years ABN. Specialists (La Trobe, Bluestone) accept 6 months IF you have prior PAYG experience in the same industry (e.g. IT contractor previously an IT employee), at rate +1–2% above full-doc and typically 20%+ deposit. Get your file assessed first.

用 BAS-only 申请，最多能借多少？How much can I borrow on BAS-only?

BAS-only 路径 LVR 通常 70–80%（要 20–30% 首付），借款上限按你的 BAS 年化净利 × 4–5 倍。例：BAS 显示年净利 $120k，可借大约 $480k–$600k。具体还要看现有债务、信用、首付来源。BAS-only typically caps LVR at 70–80% (20–30% deposit). Borrowing limit ≈ 4–5× annualised BAS net profit. Example: $120k net → ~$480k–$600k borrowing. Subject to existing debts, credit, deposit source.

夫妻一个自雇一个 PAYG，怎么贷？Mixed self-employed + PAYG household?

这是最划算的组合——PAYG 一方的稳定收入帮你解锁主流大行的全文档路径（最低利率），自雇一方的收入做「附加」提升借款力。两个收入合并还款能力评估通常比单一自雇高 30–50%。Best combination — the PAYG income unlocks majors' full-doc pricing (lowest rates), self-employed income adds borrowing power. Joint serviceability is typically 30–50% higher than self-employed alone.

公司 / 信托结构 vs 个人持有，贷款有什么区别？Company / Trust vs personal — any lending difference?

买自住房通常以个人名义（拿首次购房补助、CGT 自住豁免）；买投资房可考虑公司 / 信托（税务规划、债务隔离）。但公司 / 信托名下房贷利率通常高 0.2–0.5%、首付要 20%+，且少数贷款机构拒做。结构选错会影响 5–10 年的利息和税务，建议贷款前先咨询会计师。Owner-occupier usually held personally (FHB schemes, CGT exemption). Investment can use company/trust (tax planning, debt isolation), but rates +0.2–0.5%, 20%+ deposit, narrower lender pool. Wrong structure costs 5–10 years of interest + tax — see an accountant first.

海外收入的自雇人士能贷款吗？Self-employed with overseas income?

能，但选项窄——大部分主流行不做。Brighten、Bluestone、Pepper 等接受非居民 / 海外收入，需要海外银行流水 + 当地税单（翻译公证）+ 雇佣证明。利率比本地自雇高 1.5–2.5%、首付 30–40%。Possible but narrow — most majors decline. Brighten, Bluestone, Pepper accept non-resident / overseas income with overseas bank statements + local tax (certified translation) + employment proof. Rates +1.5–2.5%, 30–40% deposit.

不收客户费吗？真的免费？Is your service really free?

对你免费。贷款经纪人佣金由放款银行支付，跟你的利率、月供无关。所有费用会在 Credit Quote 里书面披露。Free to you. Broker commission is paid by the lender, independent of your rate or repayment. All fees are disclosed in writing in the Credit Quote.

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