Unfortunately many Lenders do not use your full income, especially people who receive overtime income, work on a casual basis or who have receive other benefits. We have lenders on our panel that treat each loan on an individual basis so it is important to deal with a broker that has several options and is experienced in this category of lending. Maximum LVR is 90% LVR however in some cases with Strong Client lenders will go to 95% LVR.

The matrix below gives you an overview of product perimeters however it is best to phone or send in a contact form so we can analyse your unique circumstance.

Social Security benefits /Government Pension100% accepted where it is considered permanent for the next five years (unemployment benefit/sickness benefits are not acceptable)

Salary and wages
Bonuses Commission
100% accepted if length of employment criteria is met
Overtime 100% accepted if length of employment criteria is met
Shift allowance
Second Job
100% may be used only if it is a condition of employment and is an industry standard
Rental income 80% of gross rental income may be added to net salary/wage income
Investment income
(interest, dividends)
100% of income as demonstrated in tax returns – income level must be evidenced over the past 12 months
Car allowance 100% may be added to gross taxable income
Fully maintained company car $5,000 p.a. may be added to gross taxable income
Child Support /
child maintenance /
Family support
100% accepted if the maintenance agreement is registered with the Child Support Agency.
Six months consistent payments can be evidenced via the borrower’s bank account statements and it is considered permanent for the next five years.
APPLY NOW

Online Application Form

Fill out our online application form now to find out how we can help
APPLY NOW