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Self-Employed & Alt-Doc Home Loans

Home Loans in
Greystanes

Mortgagefy Broker Team · Published · Last reviewed

Alt-doc and low-doc specialists for Greystanes — Cumberland LGA's family suburb within 8 km of Parramatta CBD. Lenders who assess your business cashflow, not just your tax return.

40+

Lenders on Panel

Alt-Doc

BAS & Bank Statements

Low Doc

1 Year ABN OK

Free

No Broker Fees

Why Greystanes?

Greystanes is a well-established Cumberland LGA suburb sitting 8 km west of Parramatta CBD. Houses range from $900K to $1.1M, offering genuine value for families who want Parramatta proximity without the premium price tag of suburbs closer to the CBD.

The suburb has a large self-employed community particularly in trades, retail and small business. Westmead health precinct (one of Australia's largest) is a major local employer. Parramatta light rail and ongoing CBD investment support long-term capital growth prospects.

  • 8 km from Parramatta CBD — major employment hub
  • Houses $900K–$1.1M
  • Westmead health precinct nearby
  • Large trades & small business community

$995K

Median House Price

8 km

From Parramatta CBD

3.5%

Avg Rental Yield

2145

Postcode

Who We Help in Greystanes

Specialist solutions for every borrower type

Self-Employed

Sole traders, contractors and company directors. BAS, bank statements or accountant letters — full tax returns not always required.

Low Doc

1 year ABN holders and newer businesses. We find lenders who assess real cashflow, not just tax returns.

First Home Buyers

5% deposit options and stamp duty savings up to $30K. Greystanes offers Parramatta proximity at better value for first buyers.

Family Guarantor

Parents use equity to help children buy in this popular family suburb near Parramatta. We structure all guarantor loans carefully.

Refinancers

We compare wide lender panel to find a better rate. Many Greystanes homeowners are overpaying — let us run the numbers free.

Investors

Parramatta CBD growth, Westmead health precinct employment and light rail investment drive strong long-term fundamentals in this suburb.

Greystanes Home Loan FAQs

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.
Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.
Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.
If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.
Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.
ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Nearby Areas & Services

What Our Greystanes Clients Say

MFAA Accredited · Free Assessment · No Broker Fees

"Mortgagefy got us approved when the bank said no. We bought in Greystanes within 8 weeks of our first call. The broker handled everything from comparison to settlement. Couldn’t be happier."

A

Adam & Sarah K.

Greystanes, Home Purchase

"I’m self-employed and the big banks kept saying no. Mortgagefy used my BAS statements with a specialist lender and got me into my Greystanes property. Professional, fast and no broker fees."

M

Mohammed R.

Greystanes, Self-Employed Buyer

"Refinanced and saved $640/month. Mortgagefy compared 12 lenders, found a rate 1% lower than what I was paying, and settled in 4 weeks. I wish I’d done this 3 years ago."

T

Tran N.

Greystanes, Refinance

Wide lender panel · Banks + Specialists

We compare loan options from major banks and specialist lenders to find your best rate.

ANZ Westpac St.George ING
Macquarie SUNCORP bankwest peppermoney

Specialist Loan Services in Greystanes

Every loan type, every situation — no broker fees.

Ready to Buy in Greystanes?

Self-employed, alt-doc, first home buyers & investors welcome. Free consultation — no broker fees ever.

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