Unlocked Finance

What makes a loan application a dream file - and what sends it straight to the bottom of the que? We’re breaking down the things that speed up applications, the common mistakes that cause delays, and how to give your lender everything they need to get your deal moving.

A business owner buys a new ute in June, then applies for a home loan in July — and the order alone costs them tens of thousands in borrowing power. In the finale of our self-employed block, Chloe and Sam unpack chattel mortgages, balloon payments, and why business debt can quietly shrink your home loan borrowing capacity. 

Exactly what self-employed borrowers should be doing at two years, one year, and three months out from a home purchase; aligning your tax strategy, separating business and personal accounts, and cleaning up lingering debts early, when it's easy. Plus: why a free pre-assessment six months out is the most underused move in self-employed lending, and the "no surprises" rule that can make or break your file in the final stretch.

Self-employed and wondering what lenders actually want to see? Unlocked breaks down the full-doc checklist, the wobbly-year problem, and when alt-doc lending is a smart bridge versus a red flag. Plus: a common tax-return timing trap that can shrink your borrowing power without your income changing at all — and why your accountant needs to know your plans months before you apply.

Self-employed and worried the banks won’t touch you? In this episode, Chloe and Sam bust the biggest myth in lending and reveal how your business income, tax returns and add-backs could mean your borrowing power is stronger than you think.

Offer accepted. Now what?! 🏡🔑
The contract is signed, the champagne is calling… but there are still 4–6 weeks before you get the keys. From finance and building & pest to conveyancers, deadlines, insurance and settlement, Chloe and Kris break down exactly what happens next — without the panic.
Because getting the “Congratulations, they’ve accepted your offer!” call is just the beginning. 🎙️