Home Loans for Casual Workers
Made Simple

You work differently, so we help you connect with lenders who lend differently.

Talk To Our Experts

95% LVR

Get up to 95% LVR if employed steadily 6–12 months

Flexible Income

Payslips, bank statements, or ATO tax returns accepted

Fast Approvals

Quick pre-approval with expert support every step

Wide Lender Access

50+ lenders who specialise in casual and gig work

Adelaide Bank ANZ St George Firstmac Westpac NAB ING Peppermoney Amp Bank Bankwest Macquarie Suncorp

Why Choose Us for Your Casual Worker Loan?

Custom Assessments: Show your earnings even from gig or part-time jobs.

50+ Lenders: Access to lenders who specialise in non-traditional employment types.

Need Help? We’ll help you find lenders who see your potential.

hand shake
building with tree branches appearing from side

Why Consider A Home Loan As A Casual Worker?

  • Flexible Eligibility: Get approved with just 6 months of income, without a full-time role.
  • Low Deposit Options: Buy with as little as 5% down, or use a guarantor to boost your borrowing power.
  • Tailored Loan Solutions: Lenders that understand gig, contract, and part-time work. appreciate.
  • Build Long-Term Security: Start creating stability and wealth through homeownership.
  • Expert Support: Our brokers help present your income in the best light, maximising your chances of approval.

$8.7 Billion

Home Loan Settlements

We’ve helped Australians secure over $8 billion in home loans—because everyone deserves a place to call home.

16,435 

Happy Customers

276

Team Members

Casual worker ready to own a home?

Tell us about your job and goals, our experts will guide you every step of the way.

Start Your Enquiry

Prefer to talk it through?

Call us on 1300 889 743 and speak directly with a commercial loan expert.

Call Us Now

Testimonials

Reviewer

I’m writing this from the lounge of my new home — something I didn’t think was possible as a casual worker. But the Home Loan Experts team proved otherwise. They understood my situation, guided me through every step, and kept me informed the whole way. Their expertise and support were crucial from start to finish, even beyond settlement.

Owen R

Sydney, NSW

Reviewer

They got me across the line despite very complex income circumstances – Aseem and Hrimun were excellent every step of the way. As a self-employed person that is also getting a PhD stipend, I didn’t think I’d be able to get approved for a home loan but they got me approved and helped me every step of the way. Thanks so much! 10/10 Highly recommend!

BWinner

Greater Melbourne (Metropolitan), VIC

Reviewer

So grateful to Home Loan Experts – I am a sole parent, self-employed and with an Airbnb income. My situation was considered a ‘hard case’ by many brokers. Home Loan Experts actually got me the loan and in a timely fashion.I am more than grateful that they stayed with me when two previous brokers just stopped communicating in my two previous attempts.

Odeliska

Perth, WA

How it works

1

Start in minutes

Fill out our quick assessment form or call us at 1300 889 743

2

Receive expert guidance

A home loan expert will reach out to understand your needs.

3

Smart lending solutions

We’ll match you with lenders that align with your home loan goals.