Just because you have unusual employment it doesn’t mean that your income isn’t secure. You can get a home loan if your job is secure and your lender bases his assessment on non standard employment. Some of the Employment Sources we can help you with are listed below, each type of contract worker is treated differently by the Lenders. In most cases we can go to 90% LVR however on strong supporting docs we can go to 95% LVR.

Self Employed or PAYG Contract Workers

Contractors can be sole traders with a registered ABN who invoice their employer or PAYG Contractors. An example of different types of contractors is listed below but is not limited to:

  • Mining Contractors
  • IT Consultants
  • Construction Contractor
  • Freelance Journalists
  • Temp / Agency Worker

Adult Industry

When it comes to working in some professions, you may have great difficulty obtaining a home loan through a traditional lender. An example of different types of employment is listed below but is not limited to:.

  • Prostitutes
  • Exotic Dancers
  • Escorts
  • Massage parlour workers

Short term employed

Most lenders require that you be working in your job full time for six months or more, we have several other lenders that can assist as long as you are now full time.

Currently on Probation

Most lenders require that you be working in your job full time for six months or more, we have several other lenders that can assist even if you have been in your job on Probation and have worked in the same industry previously.

Casual Employment or Permanent Part Time

You can borrow up to 90% > 95% of the property value. If you are in a strong financial position and have been in your job for 6 months.

We have prime funders and specialist funders that will fund these loans up to 95% LVR. Each loan has to be treated as an individual basis so it is important to deal with a broker that has several options and is experienced in this category of lending.

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