Casual Work, Full Potential!
Your Work Style is Unique – Your Home Loan Should Be Too!
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No Full-Time Job? No Problem!
Home loan solutions designed for casual, part-time, and gig workers.
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Flexible Documentation Options
Accepts payslips, bank statements, or other income proofs such as:
- ATO Tax Ready Income Statement
- Latest PAYG Payment Summary or Group Certificate
- Latest Australian Tax Return and Notice of Assessment.
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Low Deposit Options
Start with as little as a 5% deposit with the help of a guarantor. For loans above 80% LVR, casual workers must apply jointly with a full-time or part-time employed co-borrower.
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Fair Rates for Casual Workers
Access competitive rates without being penalised for your employment type.
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Fast, Hassle-Free Approvals
Get pre-approved quickly and confidently with our expert guidance.
Can I Get a Home Loan as a Casual Worker? Absolutely!
Casual and temporary employees often have varying hours of work without paid sick or annual leave, but lenders still consider you eligible if:
- You have a consistent work history.
- You’ve been with your current employer for at least 6 months (some lenders may require up to 12 months).
- You’ve worked in the same industry or role for at least 6 months.
- Your industry is stable.
Our experts will guide you through the documentation process, including payslips, salary credits, or employer letters, ensuring your unique situation is presented in the best light to lenders.
At Home Loan Experts, we specialise in showcasing your unique employment situation, and finding solutions even for non-traditional income types.
Check Your Income EligibilityNow
How We Turn Casual Work Into Homeownership
At Home Loan Experts, we make the home loan process simple and stress-free for casual workers. Here’s how we help:
- Tailored Assessments: We evaluate your income and work history to highlight your strengths.
- Access to 50+ Lenders: Including specialists in non-traditional employment.
- Match you with the right lenders: We identify lenders who understand casual employment.
- Expert Negotiation: We advocate for you and work hard to secure favourable loan terms that suit your needs.
- Step-by-step guidance: From pre-approval to settlement and even after, we’re with you every step of the way.
Sit back and relax while we do the heavy lifting!
50+ lenders for you to choose from
Our brokers will compare thousands of home loans to find you the best fit.
See what our clients have to say
My young adult son was working two part time casual jobs when we first began chatting with Stephen about the possibility of him obtaining a home loan. He is now thrilled to be moving into his recently purchased unit and we are so grateful for the expert guidance from Stephen & Co at Home Loan Experts.
We had a very complicated case, I am a contractor on a casual contract and my fiance is looking after our little one full-time. Romy handled our case from start to finish and his service is EXCEPTIONAL! This guy honestly knows his stuff and is an absolute asset to Home Loan Experts.
When I approached the bank, my loan was declined due to my husband not having a minimum of 6 months payslip. We had 3 months of his casual payslip and my 6 months of full time payslip, plus our assets where Prabesh worked very hard with different banks in securing us the loan.
4.9 out of 2,000+ reviews
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Award-Winning Expertise At Your Service
Home Loan Solutions For You
We can help you get the right home loan in 3 easy steps.
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Start with a Free Assessment.
Complete our online assessment form to see if you qualify for a home loan. It’s quick, easy, and obligation-free. Or connect directly with a specialist at 1300 889 743
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We Understand Your Situation.
A dedicated expert will connect with you to understand your unique needs and goals. Together, we’ll explore your options and create a solution that fits your goals.
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Secure the Right Loan for You.
Using our extensive network of lenders, we’ll find the best loan personalised for you, ensuring a smoother and stress-free experience.