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Featured guide
Can a second job count towards a home loan?
See when a lender may use income from a second job, how job history and combined hours change the answer, and what evidence to prepare before applying.
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02 Home loans with part-time employment: what income will count?
Understand how lenders assess part-time wages, guaranteed hours, overtime and second-job income, with practical examples and document checklists.
Read more03 Can you get a home loan with a casual job?
Applying for a home loan with casual income? Learn how lenders assess job history, regular hours and annual income, and which documents to prepare.
Read more04 Home loan on contractor income: PAYG, day rate or ABN?
Compare how lenders assess PAYG, day-rate and ABN contractor income. Understand contract history, annual income calculations and the documents needed.
Read more05 Will a bank count extra shifts from the same employer?
See why a bank may use only your base salary, how extra shifts can be classified and what evidence may help a lender use the right income figure.
Read more06 Can shift allowances and penalty rates count towards a home loan?
Learn how lenders assess shift loadings, penalty rates and overtime for a home loan, and how to document each part of your pay.
Read more07 Overtime income home loans: how much will a lender count?
See how lenders may assess overtime, including 50%, 80% and 100% methods, history rules and year-to-date evidence.
Read more08 Can you get a home loan while on probation?
Find out when you may apply for a home loan on probation, how earlier employment helps and what evidence a lender may need.
Read more09 Can I get a home loan if I just started a new job?
Started a new job? See how lenders assess your contract, first payslip, probation and employment gaps before you apply for a home loan.
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