How to get a home loan as a casual worker

Many Australians work in industries such as hospitality where it’s normal to be casually employed.

Of course the credit departments of banks are full of full-time employees, so what do they know about being casual? Not much! And it shows in their lending guidelines.

Read on to find out how the banks think and how to show them that your loan application should be given the stamp of approval!

Do you qualify for a home loan?

Most lenders require a casual employee to be in their job for at least 12 months. We have access to banks that understand the modern workforce and will accept other situations:

  • Permanent casual: If you work the same hours each week then you must be 1 month in your job.
  • Irregular hours: You must have been in your job a minumum of 3 months.
  • Max loan size: You can borrow up to 95% of the property value or more if you have a guarantor.

Do you need help to get approved? Please call our expert mortgage brokers on 1300 889 743 or enquire online and we’ll call you to discuss your options.

How can you get approval?

If you’re a casual worker, it may be difficult for you to obtain a mortgage based on your current employment situation.

To the banks, a casual employee is someone with a fluctuating income. If your income fluctuates, how can the bank be sure that you’ll make your next mortgage repayment?

Lenders also tend to think that if your employer was to lay off staff, that as a casual employee, you’d be the first to go!

Of course that isn’t always the case, this is just how a credit assessor sees it. It’s our job to make them see the truth, not the guidelines, and get your loan approved.

We work with lenders who understand that many Australians are now casually employed, and consequently we’re often able to get your loan approved when other brokers and lenders have failed.

Fill in our free assessment form or call us on 1300 889 743 to speak with a specialist mortgage broker.

How much can you borrow?

You can borrow up to 90% of the property value. If you’re in a strong financial position and have been in your job for 6 to 12 months, we may be able to help you get a 95% home loan.

Talk to a mortgage broker!

Unlike other brokers, we’re specialists in lending to casual employees and so can quickly work out which lender is the most suitable for your situation.

Complete our free assessment form or call us on 1300 889 743 to speak to a casual employment loan specialist.

Although a lender may be able to give you approval, you should still only apply for a loan if you truly believe that your employment is stable. Casual employment is subject to more instability so please borrow with care.

Who is this loan for?

All casual employees are accepted, including:

  • Normal casual employees with fluctuating hours.
  • Permanent casuals.
  • Casual teachers.
  • Casual nurses.
  • People with multiple casual jobs.

You must have been in your job for at least 3 months or have a track record of employment in the same line of work or in the same industry.

Are you a casual teacher?

If you’re a teacher who’s employed on a casual basis, then you may have trouble proving your income to a bank. This is because:

  • You may work only 40 weeks per year.
  • You may work for several schools, yet have all of your pay come from the Department of Education.
  • The Year To Date (YTD) figure on your payslips may not be a true indication of your income due to recent holidays.
  • During school holidays you may not have an income at all and so providing your payslips will not prove your income.

Some of our banks can assess your true income based on either your group certificate or your weekly income multiplied by 40.

Please call us on 1300 889 73 or complete our free assessment form and one of our specialist mortgage brokers will help you to get approved.

How do lenders calculate my income?

Each lender has their own method of calculating the income of loan applicants that have a casual job.

Most lenders want to see your last two years group certificates and then they use the lower of the two. Because of this method of assessment, they’re unable to lend to casual employees that haven’t been in their job for several years.

Other lenders use the Year To Date (YTD) gross income shown on your payslip to calculate your annual income. This method is used by lenders that accept casual employees who have only been in their job for a few months.

Use our Year To Date Income Calculator to work out your assessable income.

Lenders use these methods because your income may fluctuate from week to week. If they just use the income that you’ve received in your last few payslips then their assessment will be inaccurate.

Which lenders can help?

There are major lenders who can consider your home loan application while casually employed but the outcome depends on the specifics of your situation.

Non conforming and non-bank lenders may also be able to help with your finance application. Some of our lenders can accept people who’ve been casually employed for as little as 3 months!

Complete our free assessment form or call us on 1300 889 743 to speak with a specialist mortgage broker who knows which lenders can approve your home loan while you’re casually employed.

More Info

Which loan types are available?

All loan types are available for casual employment home loans:

  • Professional packages
  • Basic loans
  • Lines of credit
  • Fixed rates

What can I use the loan for?

This loan can be used for a variety of purposes:

  • Home / domestic use
  • Investment
  • Purchases
  • Refinances
  • Construction

What are the loan features?

All loan features are possible here:

  • Interest only
  • Fixed rate
  • Line of credit
  • 100% offset
  • Redraw
  • Extra repayments

Can I get any discounts?

For this type of loan, we can get you professional package and basic loan discounts.

Who should not apply?

Self employed and low doc borrowers can’t apply for a casual employment home loan.

Casual Job Calculator

Job details

How long have you been in your job?
Was your previous job in the same line of work?
How regular are your hours?
What % of the property value are you borrowing (LVR)?
Do you have 5% in genuine savings?

Contact a mortgage broker

Talk to one of our mortgage brokers about your situation: Yes No  
  • Drucker

    Hello, I have a question. I just started working as a casual worker for a couple of months. Is it possible to get a home loan?

  • Hi Drucker,

    Although it is not usually accepted by all lenders but there are some who would still consider lending to you while you are casually employed. It depends on a number of factors such as your previous employment history, credit history, the amount and type of deposit you have and few more things.

    Moreover, if you have set hours (e.g. 20 hours per week every week) and your payslips and employer confirm this then, we can possibly help you to get approved. If not then we would need a longer employment history.

    It is better to speak to a mortgage broker so that they can analyze your complete situation and see if you qualify for a home loan or not.

  • Grace Apilado


    I am a casual worker earning roughly 46k per year and been with the company for 2 years and half and been renting at same time for 380 a week.My husband and I are planning to get a home loan,he’s unemployed but have investments that we can use to pay deposit.His investment is roughly 85k.Are we eligible for home loan?



  • Hi Grace,

    Yes you are eligible. However it would depend on how much you want to borrow. As your husband isn’t currently working your borrowing power may be lower than you need. Either you can buy now for a lower price or you can wait until your husband is one day in a new job and then we can get you approved.

  • Grace Apilado

    We are looking at 450k loan and were wondering if we could put a deposit of 50k maybe..would that be possible?We dont have any other loan but my husband has a good credit history and so do i.

  • Hi Grace,
    I’d say your income wouldn’t allow you to borrow that much. Is your husband planning to start working soon? This is your best option. Alternatively you could consider a family member being a serviceability guarantor however this is messy

    Ultimately what is most important is that you borrow an amount that you can afford comfortably so you have a good life :)

  • Ban

    Hi , my name is Ban
    I’m single mom with one little boy and I started worked a few months ago like a casual job, I have a plan to buy a new house soon and I also have $20000 saving, do you think possible to buy a new house for me? and how much could I loans?

  • Hi Ban,
    You’ll likely need a minimum of 3 months in your job. Best to enquire on our website then one of our brokers can complete an assessment of your situation. If you’re not ready to buy now then our Prepare To Buy team can stay in touch with you and let you know what you need to do to buy in the next year or so.
    Family Tax Benefits and Child Support can be included as income in some situations.

  • Vanda

    Hi, I’ve been a stay at home mum for 6 years and have just started casual work for 3 months. My husband is currently unemployed. We own and live in a house which has been fully paid for. We have a cash savings of about $200K. We intend to buy another property for investment. Given our circumstances, are we eligible for a bank loan?

  • Hi Vanda,
    You may be eligible if your income is high enough. We can get your loan approved with only 3 months in your role in most cases. We may need to provide additional evidence depending on the bank you choose.

    We’d also recommend that you have cash on standby or have a talk to your boss to make sure your employment and income is secure and ongoing just for your own peace of mind.

    If you’d like our help then click here

  • Henry

    I lost my full-time job, of six years, last month and have recently been employed on a casual basis with plenty of work. I need to borrow 165k for a home. Would I qualify?

  • Hi Henry,
    Potentially you may qualify, we’d need to know the full details of your situation. What’s most important is that we can confirm what your income is. E.g. if you work 3 days a week and earn a certain amount and we can see this from payslips and a letter from your boss then we’re good to go. Whereas if your income fluctuates a lot then we may need a minimum 3 – 6 month history to get approved.

  • Katie

    Hi. My husband and I are wanting to purchase our second home. We are both casual employees. Are there home loans available where we can borrow more then 80% LVR ?

  • Hi Katie,
    Yes we can help with this. As a general rule if you’ve both been casual more than 3 months and we can calculate your ongoing income then we can get you approved. Having savings or a property already will help with getting you approved.
    Also it depends on the hours you are working. Your income must be sufficient to afford the loan of course.
    If you’d like our help then click here and one of our mortgage brokers will call you to discuss your options.

  • Jonathan Goff


    I have a F/T job $52k a year. My partner has just started a casual job (Regular hours) 3.5 days per week. We have a 5% deposit. Would we be eligible for a home loan?

  • Hi Jonathan,
    We can potentially help. We’d need two payslips and an employment letter to confirm that the hours are regular. We’d also need to provide evidence of your partner’s previous employment.
    Depending on the type of property that you’re buying a 5 – 10% deposit is required to cover the deposit and costs like stamp duty. Being a first home buyer may reduce this amount.
    Worst case if we wait until your partner is three months in her job then we should be fine.
    Contact us here and we’ll let you know what you need to do to get approved. Best of luck!

  • David Petran


    I am a casual employee, what proof of income do I need for a low doc home loan, will previous 2 years of group certificates do?

  • Hi David,
    We can use your previous two year’s group certificates plus a letter from your employer OR we can use two recently payslips with some lenders. Please contact us if you’d like our help

  • David Petran

    Thanks for the quick reply, what would the letter from the employer need to say?

  • We can provide the personalised template for you and your employer during the application process. Generic templates can be found here

  • Nick

    I have a full time permanent job with annual income of $71,438 with net pay of $2,116 fortnightly. My wife is curently doing some casual work with two companies and on average she earns $800/fortnightly (net pay). We recently made a 5% deposit for a house and land package worth $617,150 as a first home buyer and now we need to apply for a home loan to pay the rest. Our current saving is atleast $2500 a month. We don’t have any debt. Do you think we can qualify?

  • Hi Nick,
    It would depend on how long your wife has had her casual jobs for. It’s best if you talk to one of our brokers and send your full details so that we can assess your situation the way a bank would

  • Nick

    With one of the company she has been employed for 1.7 yrs.

  • That will be ok for some of our lenders. Borrowing 95% and being casual is a difficult combination but assuming everything else is ok I expect we’d get an approval as you have a full time job and she’s been there a long time.

  • Melissa


    I am self employed (5+ years) and have been working casually for 6+ months aswell. My partner is permanent part time. My casual average for 6 months is roughly 550, my self employment at the moment is about 100 average (previous years i earnt 20-22k) and my partner earns 750 per fortnight. We currently rent at 200 per week plus outgoings. I am looking at houses less than 200k. I have 5000 of my own savings for a deposit and my parents will gift (no pay back to them, happy to put it down officially eg stat dec) 5000 towards the deposit. Do u think u can help? Or do we still not qualify.


  • Hi Melissa,
    Unfortunately we can’t help with loans under $300,000 at the moment as we’re inundated. But I’ll email you some potential avenues to pursue.

  • Bethany Allen

    Im a single mum of 3… i work casually but the same hours each week.. usually more rather then less.. i have been in this job for 11 months.. im looking a applying for my 1st home loan.. i have a 5000 deposit. My fortnightly income in on average 2600.
    Would you guys be able to help at all

  • Hi Bethany,
    It’s unlikely that you’d qualify unless you have child support or significant family tax benefits. Unfortunately the borrowing power calculators used by the banks are quite strict. You might like to try this calculator to see if you can borrow the amount needed

  • Kris

    Just a question, I started working as a casual worker for more than 3 months now. I get 24 hrs to 32 hrs a week and extra 5 hours per week for babysitting. I also have a partner who is a part time worker for 2 years now and have 21 hours a week. Is there any possibilities that we can get a home loan?

  • Hi Kris,
    It’s unlikely that we can use your babysitting income unless you get payslips or it’s in your tax return. However your casual income is likely to be acceptable and so would your partners.
    The question then is around if you have a deposit or not. If you don’t then a guarantor loan is the only way to get approved

  • Teeanna Thomsen

    Both my partner and myself are employed casually, hours vary but not dramatically either..
    More of some week we have more hours than normal not less..
    We have both been with our companies for over 2 years each and my hours are about to go up again (yay)
    But my question is (and including our employment situation) my partner has had bad credit history, and we would like to buy our first home and pay out the rest of his debt with it into our repayments.
    Will we not get accepted, I have really good credit history and all of our bills are always paid on time
    I’m really worried

  • Kyle

    Hi there, I’m not looking for a house loan but a loan to fix my car, I have been at my job for 3 months plus, and am looking to borrow only a small amount of $10000 over 5 years, I’ve been in the same industry for 6 years now but move to new places, I get an average of 30 hours to 40 hours a week, am I able to apply?

  • Hi Kyle,
    Likely you can. Consider calling Pepper Money as they can likely assist. We’re experts in home loans so it’s not our area.

  • Tara

    Hi, was just wondering me and my partner are looking to apply for a home loan of only 200,000. The only thing is, is that we have recently just had a baby so I’m on maternity leave pay. Prior to that I was working and am returning to work in 4 months. I am full time and have been for almost three years. Also my partner will be going for loan too but he is casual always works the same hours and has been in his job for 6 months
    His line of work before wasn’t really the same. What would be the go for us? And also we have 5% of the savings for 200000 t

  • Hi Tara,
    This may be possible however the lenders that accept casual income easily my not accept maternity leave when borrowing 95%. Also the lender will want to know how you can afford payments while not at work. If you’re borrowing 95% then you probably don’t have the funds on standby to cover the payments for a few months.
    So in this case it may be best to wait four months.

  • Tara

    Thanks for that. Also just wondering if we were to have a gaurantor what banks would look at accepting us?

  • Yes with a guarantor you would likely be accepted.
    We don’t do loans under $300,000 but I’ll email you some tips in case you would like to apply now.

  • Samantha Tayler

    Can you use the first home owners grant as your initial 5% deposit?

  • Hi Samantha,
    We’ve got a page on low deposit loans here
    In most cases the grant on it’s own isn’t enough and lenders like to see some contribution of your own. Do you have some savings?

  • Natalia Lill


    My partner and I have been in our job for 5 months (our previous jobs were the same line of work) we are both casual employees and average around $1300 per week gross income together. We have $20,000 saved and are looking at a mortgage for an investment property of around $160,000. We are young (19 & 21) but both have good credit scores and our parents have both agreed to go guarantor should we not be approved on our own. Is it worth applying on our basis or is it likely we will get rejected?

    Thank you!

  • Hi Natalia,
    Congratulations on saving $20,000 while working casually, not many people your age have got that far.
    Yes you would both be eligible to buy one or potentially one property each if your incomes were both good. Just be careful of remote areas as they can be riskier and hard to get tenants. So please do your research.
    Your casual incomes should be fine but I’d recommend that you stay in your jobs until you buy that way you aren’t seen as unstable. Some lenders don’t like casual employees unless you are 12 months in your job but others can consider 3 months casual.

  • Ish

    My partner and I bought a house last year and we pay 2500 per month p+I mortgage. Last year my partner was a casual lecturer higher education doing only 10hrs per week with $30000 annual income before tax. I’m full time from last 6 years with $60000 annual income before tax. Our financial situation is the same.
    Now, we have saved up another 10% ($30000)for a land only($300000).
    Settlement is end of next year which means il have time to save up another 10% deposit. Total 20% deposit on land only.

    My question is are we eligible for 80% loan on land only during settlement with our existing home loan commitment.

  • Hi Ish,
    This is a complicated calculation and we need a full application to assess it fully.
    In all likelihood if you can save another 10% deposit then you can afford the land loan without too many problems.

  • Ish

    How to put thru a full application? What else do you need to know? I have no other loans or credit cards.

  • Hi Ish,
    I’ll email you and cc one of our casual employment specialists. They’ll take it from there. Good luck

  • Cecilia Ho

    If my hubby and I are both casual, (hubby is permanent casual) and made avg. 1400 per week net in total + I got an investment property (100% owned without any mortgage) which rental income are 340 per week. And also we got another mortgage 420K (property valued @ 480K) and rent out for 430 per much we can borrowed? and I got 150K deposit

  • Hi Cecilia
    Lenders dont look at your weekly income they’ll use either a 3 month YTD figure from your payslips and annualise it or your last year’s group certificate income.
    It’s best if you wait until your payslip at the end of the month is ready then we have a 3 month YTD in this financial year.
    If you dont need to maximise your income we can apply now using your group certificate income.
    Different lenders assess borrowing power in different ways and with casual income we cant accurately work out your borrowing power without seeing your documents.
    I’ll email our employment specialist broker and cc you so he can sort this out for you.

  • Tim Lesina

    Hi Cecilia, I’ve completed an indicative calculation from the information that you have provided, and I estimate that you could borrow up to $445,000. This amount coupled with your savings, means that you could spend up to $595,000 for your new purchase. Obviously, this is a rough estimate but I would be happy to provide you with a more accurate figure. My email address is tim@homeloanexperts:disqus or my direct line number is 02 9194 1727 if you want to discuss.

  • Nicola Jayne Taylor

    Casual Employment Home Loan
    I just tried to get a free assessment for a casual employment home loan but was told this is not possible due to the amount I am wanting to borrow being under $300,000. I live in an area where properties can be purchased well under this price. Are you able to give me the names of the banks that are likely to provide casual employees with home loans so that I can contact them directly?

  • Pearljam

    I work as a maid and it’s not with a recruiting company. Will banks accept my income?

  • Hi Pearljam,
    There are a few lenders who may accept you for a home loan, however, you must have been in your job for at least 3 months or have a track record of employment in the same line of work or in the same industry. Also, you need to provide evidence of your income outlining your work hours and frequency.

  • Firoon

    I’m a freelance photographer and have been in the business for almost 5 years. I’m planning to buy a property and want to settle down with my girlfriend. What documents do I have to give to obtain a home loan?

  • Hi Firoon,
    As most freelancers are self-employed and work on a contractual basis. You will need to provide at least:
    – Three of your most recent bank statements
    – Two years tax returns
    These documents will help prove that your income is consistent and ongoing. We can help you understand and prepare all the documents you’ll need to get approval on a freelancer mortgage . Complete our free online assessment form or call us on 1300 889 743 and speak with one of our credit specialists.

  • Rhonda

    I am a permanent casual data analyst working in a tech company in Sydney. What proof of income would I need to qualify for a home loan?

  • Hey Rhonda,
    You need to submit your two most recent payslips or you can use your previous 2 years group certificates and a letter from your employer to verify your income. As long as your income is consistent, you’ll have a good chance of getting approved for a mortgage.

  • Haunner

    I am a regular casual teacher earning $630 weekly and I also work as a studio musician. How long do I need to have been working to be considered for a home loan?

  • Hello Haunner.
    If you’re a teacher and also working as a part-time musician, you can use the income from both professions to assess your borrowing power. However, you need to be in your job for at least 3 months if the hours in the studio are irregular and 1 month if you’re a permanent casual.