The Self-Employed Stigma: Why Your Bank Thinks Your Successful Business is a Risk
Slug: self-employed-stigma-bank-risk 6 min read TL;DR: The Quick Summary The "Stigma": Banks often view entrepreneurs as "higher risk" due to fluctuating income, even if their business is thriving. The Tax Paradox: Standard lending criteria focus on taxable income, which is often minimised for tax efficiency, hurting your borrowing capacity. The Baseline Difference: We don't just […]
Direct Bank vs. Mortgage Broker: Why 81% of Borrowers are Ditching the Big Four in 2026
Expected Read Time: 6 min read TL;DR In 2026, 81% of Australian borrowers now use a mortgage broker instead of going direct to a bank. Brokers offer access to dozens of lenders, while banks only sell their own limited products. Baseline Finance provides a unique Strategic Funding Plan, giving you a benchmarked roadmap within 7 […]
Is Residential Property Out? Why Perth Investors Are Pivoting to Commercial Loans in 2026
6 min read Quick Summary: Perth’s residential market has seen massive growth, but yields are tightening, leading investors to seek better cash flow elsewhere. Commercial property in 2026 offers significantly higher yields (mid-5% to 8%+) and longer, more stable lease structures. Commercial loans operate differently: leveraging existing property as security is a common way to […]
The Entrepreneur’s Guide to Home Loans: How to Secure a Perth Mortgage as a Business Owner in 2026
Expected Read Time: 7 min read Quick Summary / TL;DR The 2026 Shift: Major lenders like ING and Westpac have significantly updated their policies, making it easier for self-employed Perth residents to borrow. One Year is Enough: You no longer necessarily need two years of tax returns; some lenders now accept a single year of […]
