A plain-English map of the five property-secured facilities ranked from fastest to slowest, so self-employed owners can match the loan to the deadline.

Self-employed and buying your first home? A One Doc home loan is assessed on business cash flow and one income declaration, not a payslip you do not have.

How to fund the site, DA and early works before a construction loan starts, and how pre-construction debt rolls into the build facility.

A second mortgage keeps your cheap first loan; a refinance replaces it. How self-employed owners choose between the two, explained by a broker.

What it means when a commercial valuation comes in under your contract price, and how self-employed buyers can cover the gap or renegotiate.

How a vendor finance carry is refinanced out: the exit both sides plan from day one, and what trading record each stage needs to clear the seller.

Are a caravan park's cabins chattels or fixtures? How a lender reads cabin income versus cabin security, and why a park is valued on the going concern.

The trading records a motel lender wants: occupancy and room-rate history, adjusted net profit after add-backs, and the evidence pack behind a motel deal.

How lenders read a regional pub versus a metro one: catchment, buyer depth and the yield multiple that shape gearing on the going concern.

How lenders read a pub's gaming, bar and accommodation room income as one going concern, and why the steadiest streams shape what you can borrow.