Do you charge a fee for self-employed home loans?

For most residential loans, there's no direct fee to you. We're typically paid by the lender if your loan settles. Some scenarios may involve a fee — we'll always explain this upfront.

How many lenders do you have access to?

We can compare options across 40+ lenders, including major banks and specialist non-bank lenders who understand self-employed income.

Can I get a home loan if I'm self-employed?

Yes. Many lenders have options for self-employed borrowers, including low doc and alt doc pathways using BAS statements, bank statements, or accountant declarations instead of full tax returns.

What is a low doc home loan?

A low doc (low documentation) home loan allows self-employed borrowers to verify income using alternative documents such as BAS statements, bank statements, or an accountant's letter, rather than full tax returns.

How long does home loan approval take for self-employed borrowers?

Typically 5–10 business days from submission to approval, depending on the lender and documentation. We prepare everything upfront to avoid delays.

What deposit do I need as a self-employed borrower?

Low doc loans typically require a 20% deposit. Full doc options may allow 10% or less. First home buyers may also access government schemes to reduce deposit requirements.

Privacy Policy | New Vision Financial Services

Last updated: March 2026

1. Introduction

New Vision Financial Pty Ltd (ABN 26 609 888 691, Australian Credit Licence 384704), trading as New Vision Financial Services ("we", "us", "our"), is committed to protecting the privacy of your personal information.

This Privacy Policy outlines how we collect, use, store, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. What Personal Information We Collect

The types of personal information we may collect include, but are not limited to:

Full name, date of birth, and contact details (address, phone number, email)
Employment details and income information
Financial information including assets, liabilities, expenses, and bank statements
Identification documents (driver's licence, passport, Medicare card)
Tax file number (where required for loan applications)
Credit history and credit report information
Property details and valuations
Business financial information (for self-employed applicants)
Any other information relevant to assessing your loan application

3. How We Collect Personal Information

We collect personal information through various means, including:

Directly from you when you complete application forms, fact finds, or enquiry forms
Through our website contact forms and online enquiries
During phone conversations, video calls, or face-to-face meetings
From third parties such as credit reporting bodies, lenders, real estate agents, accountants, and solicitors (with your consent)
From publicly available sources
Through our CRM and loan processing systems

4. Why We Collect Personal Information

We collect and use your personal information for the following purposes:

To assess your financial situation and borrowing capacity
To identify suitable loan products and lenders for your needs
To prepare and submit loan applications on your behalf
To communicate with you about your loan application and ongoing service
To comply with our legal and regulatory obligations under the National Consumer Credit Protection Act 2009
To manage our business operations and improve our services
To send you relevant information, updates, and marketing communications (with your consent)
To respond to your enquiries and provide customer support

5. Disclosure of Personal Information

We may disclose your personal information to:

Lenders and financial institutions on our panel for the purpose of loan applications
Credit reporting bodies for credit checks and assessments
Our aggregator, Finsure, as required for compliance and commission processing
Professional service providers including accountants, solicitors, and valuers involved in your transaction
Government bodies and regulators as required by law (e.g., ASIC, AFCA)
Our technology service providers who assist in operating our business systems
Referral partners where you have been referred to or from our services

We will not sell, rent, or trade your personal information to any third party for marketing purposes without your explicit consent.

6. Storage and Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our security measures include:

Secure electronic storage systems with access controls
Encryption of sensitive data during transmission
Regular security reviews and updates
Staff training on privacy and data handling obligations
Secure document storage and disposal procedures

Personal information is stored electronically in our CRM system and cloud-based storage. We retain your information for as long as necessary to fulfil the purposes for which it was collected, and as required by law (typically a minimum of 7 years after the last interaction).

7. Access and Correction

You have the right to request access to the personal information we hold about you. You also have the right to request that we correct any inaccurate, incomplete, or out-of-date information.

To request access or correction, please contact us using the details provided below. We will respond to your request within a reasonable timeframe (generally within 30 days).

8. Credit Reporting

In the course of processing your loan application, we may need to access your credit report from a credit reporting body. We handle credit-related personal information in accordance with Part IIIA of the Privacy Act 1988 and the Credit Reporting Privacy Code.

You have the right to request access to your credit reporting information and to request corrections if the information is inaccurate.

9. Marketing Communications

We may send you marketing communications about products, services, and market updates that we believe may be of interest to you. You can opt out of receiving marketing communications at any time by:

Clicking the "unsubscribe" link in any email communication
Contacting us directly to request removal from our marketing lists

Please note that opting out of marketing communications will not affect transactional or service-related communications regarding your existing loan or enquiry.

10. Cookies and Website Analytics

Our website may use cookies and similar technologies to improve your browsing experience and to collect anonymous usage data. This data helps us understand how visitors use our website and allows us to improve our content and services.

You can manage cookie preferences through your browser settings. Disabling cookies may affect the functionality of some parts of our website.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

12. Overseas Disclosure

Some of our service providers may be located overseas. Where personal information is disclosed to overseas recipients, we take reasonable steps to ensure that the recipient handles your information in accordance with the Australian Privacy Principles.

13. Complaints

If you believe we have breached the Australian Privacy Principles or you have a complaint about how we have handled your personal information, please contact us:

Phone: 1300 422 506
Email: [email protected]

We will investigate your complaint and respond within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au
Phone: 1300 363 992

For complaints related to our credit activities, you may also contact the Australian Financial Complaints Authority (AFCA):

Website: www.afca.org.au
Phone: 1800 931 678
Email: [email protected]

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the revised date. We encourage you to review this policy periodically.

15. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

New Vision Financial Pty Ltd
ABN: 26 609 888 691
ACL: 384704
Phone: 1300 422 506
Email: [email protected]
Website: www.newvisionfinancial.com.au