{"id":16162,"date":"2024-02-01T17:55:16","date_gmt":"2024-02-01T06:25:16","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16162"},"modified":"2024-02-01T17:55:52","modified_gmt":"2024-02-01T06:25:52","slug":"4-tips-for-self-employed-home-loan-applications","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/","title":{"rendered":"4 tips for self-employed home loan applications"},"content":{"rendered":"<p>Being your own boss sure has its advantages: the flexibility of setting your own hours, building your own business to represent your values, having someone else fetch you coffee\u2026<\/p>\n<p>But when it comes to home loans, you may have more to prove than the average applicant.<\/p>\n<p>You see, lenders may view you as a little more risky. That\u2019s because, in their eyes, you may not have a steady paycheck to make those all-important repayments.<\/p>\n<p>But being self-employed needn\u2019t stop you from getting your slice of the great Australian dream.<\/p>\n<p>Planning ahead and knowing what lenders generally look for could give you an edge when it comes to mortgage application success.<\/p>\n<h3>1. Get your finances in order<\/h3>\n<p>As a self-employed applicant, having rock-solid finances is important.<\/p>\n<p>Even if your business is booming, most lenders will see you as more of a risk for defaulting. That\u2019s because self-employed incomes can be less consistent.<\/p>\n<p>Lenders want to know that the likelihood of you making regular repayments is high.<\/p>\n<p>And to mitigate risk, loan options available to you may have a lower loan-to-value ratio (meaning you may need a higher deposit) and\/or have a higher interest rate.<\/p>\n<p>So, to prepare to apply, consider getting your finances in check by:<\/p>\n<p>\u2013 Building up a healthy credit report (no missed payments or defaults).<br \/>\n\u2013 Living expenses that are not excessive, particularly discretionary spending.<br \/>\n\u2013 Saving up a healthy deposit (aka genuine savings) and a cash buffer.<br \/>\n\u2013 Structuring your activities to support a loan application, which may mean an increased focus on profit.<\/p>\n<h3>2. Gather your documents<\/h3>\n<p>It\u2019s important to keep your business and personal finance documents up to date, so you\u2019ll be ready to rock and roll.<\/p>\n<p>For verification of income, many lenders require two years worth of lodged business and personal tax returns.<\/p>\n<p>It\u2019s a great idea to tell your accountant in advance that you\u2019re planning on applying for a home loan. That\u2019s because some of the financial wizardry they apply to lower your tax bill might work against your application and lower your borrowing capacity.<\/p>\n<p>On top of running your credit score, some lenders may want statements from loans and credit cards for proof you can make regular repayments.<\/p>\n<p>They may also want to see verification of assets such as any property, savings and investments.<\/p>\n<p>Some lenders may want to see the whole kit and kaboodle when applying for a loan. Some may need less.<\/p>\n<p>And some offer low-doc loans if you don\u2019t have extensive documentation. But they may come with higher interest rates or the need to pay lenders mortgage insurance (or both).<\/p>\n<p>Exactly what documents are required depends on the lender and the type of loan.<\/p>\n<h3>3. Choose your lender wisely<\/h3>\n<p>This is a critical point, because not all lenders are comfortable providing self-employed loans for the reasons mentioned above. Lenders may advertise that they are &#8216;open for business&#8217; when it comes to lending to business owners, however some banks out there make servicing self-employed customers their niche and have unique policy which makes getting a loan approved much simpler.<\/p>\n<p>And every time you apply for a home loan your credit history is \u201cpinged\u201d. The more this occurs, the more of a red flag this may pose to lenders.<\/p>\n<p>So targeting lenders that have a track record of approving self-employed loans might be a wise move.<\/p>\n<p>Having a reputable mortgage professional on your side may be helpful here. Which brings us to our next point \u2026<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>4. Get in touch with us today<\/h3>\n<p>Just as you\u2019ll want to give your accountant plenty of notice, so too will you want to reach out to a mortgage broker sooner rather than later.<\/p>\n<p>That\u2019s because we can help you work out your borrowing capacity, and provide you with other tips that you can start working on now that may eventually help make your application more attractive to lenders. In some instances a business owner can take easy steps to significantly increase their suitability for certain lenders (for example paying the director a consistent salary for a period of time, rather than taking dividends). Understanding the ins and outs is crucial.<\/p>\n<p>So if you\u2019re self-employed and think you\u2019ll be seeking a home loan in 2024, <a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">book in a call today<\/a>.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being your own boss sure has its advantages: the flexibility of setting your own hours, building your own business to represent your values, having someone else fetch you coffee\u2026 But when it comes to home loans, you may have more to prove than the average applicant. You see, lenders may view you as a little&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16163,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 tips for self-employed home loan applications - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 tips for self-employed home loan applications - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"Being your own boss sure has its advantages: the flexibility of setting your own hours, building your own business to represent your values, having someone else fetch you coffee\u2026 But when it comes to home loans, you may have more to prove than the average applicant. You see, lenders may view you as a little...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/\" \/>\n<meta property=\"og:site_name\" content=\"Quantiphy\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-01T06:25:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-01T06:25:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2024\/02\/Gazette-600x450-self-employed-2024-Copy.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"guy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"guy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/\"},\"author\":{\"name\":\"guy\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#\\\/schema\\\/person\\\/e2082abcb51c3924c4e24a78b162c34b\"},\"headline\":\"4 tips for self-employed home loan applications\",\"datePublished\":\"2024-02-01T06:25:16+00:00\",\"dateModified\":\"2024-02-01T06:25:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/\"},\"wordCount\":835,\"publisher\":{\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Gazette-600x450-self-employed-2024-Copy.jpg\",\"articleSection\":[\"Finance\",\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/\",\"url\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/\",\"name\":\"4 tips for self-employed home loan applications - Quantiphy\",\"isPartOf\":{\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Gazette-600x450-self-employed-2024-Copy.jpg\",\"datePublished\":\"2024-02-01T06:25:16+00:00\",\"dateModified\":\"2024-02-01T06:25:52+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#primaryimage\",\"url\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Gazette-600x450-self-employed-2024-Copy.jpg\",\"contentUrl\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/Gazette-600x450-self-employed-2024-Copy.jpg\",\"width\":600,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/4-tips-for-self-employed-home-loan-applications\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"4 tips for self-employed home loan applications\"}]},{\"@type\":\"WebSite\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#website\",\"url\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/\",\"name\":\"Quantiphy\",\"description\":\"Accounting, Taxation, Wealth &amp; Finance in one\",\"publisher\":{\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#organization\",\"name\":\"Quantiphy\",\"url\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/Screen-Shot-2020-10-15-at-11.04.47-am.png\",\"contentUrl\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/Screen-Shot-2020-10-15-at-11.04.47-am.png\",\"width\":884,\"height\":260,\"caption\":\"Quantiphy\"},\"image\":{\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"http:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/#\\\/schema\\\/person\\\/e2082abcb51c3924c4e24a78b162c34b\",\"name\":\"guy\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ac149b44ff008302d3dc2f8df466f7db2045ba4134698c112e6db7437dd0f813?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ac149b44ff008302d3dc2f8df466f7db2045ba4134698c112e6db7437dd0f813?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ac149b44ff008302d3dc2f8df466f7db2045ba4134698c112e6db7437dd0f813?s=96&d=mm&r=g\",\"caption\":\"guy\"},\"url\":\"https:\\\/\\\/quantiphy.com.au\\\/oldbackup\\\/author\\\/guy\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"4 tips for self-employed home loan applications - Quantiphy","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/","og_locale":"en_US","og_type":"article","og_title":"4 tips for self-employed home loan applications - Quantiphy","og_description":"Being your own boss sure has its advantages: the flexibility of setting your own hours, building your own business to represent your values, having someone else fetch you coffee\u2026 But when it comes to home loans, you may have more to prove than the average applicant. You see, lenders may view you as a little...","og_url":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/","og_site_name":"Quantiphy","article_published_time":"2024-02-01T06:25:16+00:00","article_modified_time":"2024-02-01T06:25:52+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2024\/02\/Gazette-600x450-self-employed-2024-Copy.jpg","type":"image\/jpeg"}],"author":"guy","twitter_card":"summary_large_image","twitter_misc":{"Written by":"guy","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#article","isPartOf":{"@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/"},"author":{"name":"guy","@id":"http:\/\/quantiphy.com.au\/oldbackup\/#\/schema\/person\/e2082abcb51c3924c4e24a78b162c34b"},"headline":"4 tips for self-employed home loan applications","datePublished":"2024-02-01T06:25:16+00:00","dateModified":"2024-02-01T06:25:52+00:00","mainEntityOfPage":{"@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/"},"wordCount":835,"publisher":{"@id":"http:\/\/quantiphy.com.au\/oldbackup\/#organization"},"image":{"@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#primaryimage"},"thumbnailUrl":"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2024\/02\/Gazette-600x450-self-employed-2024-Copy.jpg","articleSection":["Finance","News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/","url":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/","name":"4 tips for self-employed home loan applications - Quantiphy","isPartOf":{"@id":"http:\/\/quantiphy.com.au\/oldbackup\/#website"},"primaryImageOfPage":{"@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#primaryimage"},"image":{"@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#primaryimage"},"thumbnailUrl":"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2024\/02\/Gazette-600x450-self-employed-2024-Copy.jpg","datePublished":"2024-02-01T06:25:16+00:00","dateModified":"2024-02-01T06:25:52+00:00","breadcrumb":{"@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#primaryimage","url":"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2024\/02\/Gazette-600x450-self-employed-2024-Copy.jpg","contentUrl":"https:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2024\/02\/Gazette-600x450-self-employed-2024-Copy.jpg","width":600,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/quantiphy.com.au\/oldbackup\/4-tips-for-self-employed-home-loan-applications\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"http:\/\/quantiphy.com.au\/oldbackup\/"},{"@type":"ListItem","position":2,"name":"4 tips for self-employed home loan applications"}]},{"@type":"WebSite","@id":"http:\/\/quantiphy.com.au\/oldbackup\/#website","url":"http:\/\/quantiphy.com.au\/oldbackup\/","name":"Quantiphy","description":"Accounting, Taxation, Wealth &amp; Finance in one","publisher":{"@id":"http:\/\/quantiphy.com.au\/oldbackup\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"http:\/\/quantiphy.com.au\/oldbackup\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"http:\/\/quantiphy.com.au\/oldbackup\/#organization","name":"Quantiphy","url":"http:\/\/quantiphy.com.au\/oldbackup\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"http:\/\/quantiphy.com.au\/oldbackup\/#\/schema\/logo\/image\/","url":"http:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2020\/10\/Screen-Shot-2020-10-15-at-11.04.47-am.png","contentUrl":"http:\/\/quantiphy.com.au\/oldbackup\/wp-content\/uploads\/2020\/10\/Screen-Shot-2020-10-15-at-11.04.47-am.png","width":884,"height":260,"caption":"Quantiphy"},"image":{"@id":"http:\/\/quantiphy.com.au\/oldbackup\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"http:\/\/quantiphy.com.au\/oldbackup\/#\/schema\/person\/e2082abcb51c3924c4e24a78b162c34b","name":"guy","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ac149b44ff008302d3dc2f8df466f7db2045ba4134698c112e6db7437dd0f813?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ac149b44ff008302d3dc2f8df466f7db2045ba4134698c112e6db7437dd0f813?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ac149b44ff008302d3dc2f8df466f7db2045ba4134698c112e6db7437dd0f813?s=96&d=mm&r=g","caption":"guy"},"url":"https:\/\/quantiphy.com.au\/oldbackup\/author\/guy\/"}]}},"_links":{"self":[{"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/posts\/16162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/comments?post=16162"}],"version-history":[{"count":2,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/posts\/16162\/revisions"}],"predecessor-version":[{"id":16165,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/posts\/16162\/revisions\/16165"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/media\/16163"}],"wp:attachment":[{"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/media?parent=16162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/categories?post=16162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/quantiphy.com.au\/oldbackup\/wp-json\/wp\/v2\/tags?post=16162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}