To prove your income, you’ll need to provide payslips, group certificates, or a letter from your employer.
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To prove your income, you’ll need to provide payslips, group certificates, or a letter from your employer.
Lenders require recent bank statements to verify your financial transactions and confirm your income.
A letter from your employer may be needed to confirm your position and income details, especially for contractors or those on probation.
If your income is unusual (e.g., bonus, overtime), you may need additional documentation such as invoices or tax returns to clarify your earnings.
Use our loan eligibility calculator to assess your borrowing power. It takes into account various income sources, including unusual employment scenarios, to give you a clearer picture of your loan options.
Our mortgage brokers are well versed with the banks’ employment policies and in the methods they use to assess your income.
Navigating home loan applications with unusual employment can be tricky, but at Everrich Finance, we specialise in finding the right solution for contractors, casual workers, those on probation, and more. Our licenced brokers understand how to present your income and employment situation to lenders, maximizing your approval chances. We work with over 30 lenders to secure the most competitive rates tailored to your unique circumstances.
Yes, even if you’re on probation, we can assist you with securing a loan. Our specialist mortgage brokers can help position your application to meet the bank’s requirements and improve your chances of approval.
Banks consider overtime as part of your income, but they may apply a conservative approach when assessing it. We work with lenders who take your full overtime earnings into account, increasing your borrowing power.
We specialize in helping self-employed individuals secure loans. Depending on your business structure, some banks may use actual tax rates or apply worst-case scenarios. Our team will help navigate the best options for your specific situation.
Yes, having multiple jobs can still be a valid basis for a loan application. We assess your overall income, including multiple roles, and help position your application to meet the criteria of lenders that accept diverse income sources.
In addition to your base salary, bonuses, commissions, and rental income can be used to strengthen your loan application. We will help you gather the necessary documentation to showcase your full income potential to lenders.
Yes, contractors are eligible for home loans. Depending on your contract terms, experience, and income history, we can assist you in finding the right lender and presenting your income documentation in the best possible light for approval.
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Unsure if you qualify? Let us assess your situation and explore the home loan options available to your employment profile.