Do you earn commission income?
You can still get a home loan!

  • 100% of your income can be considered for a mortgage.
  • Borrow up to 95% of the property value.
  • Get approved even if you only have 3 months history in commission work!

As seen in…

Our award-winning mortgage brokers will find you the right home loan for your situation.

HLE Awards-Top10 HLE-Awards-AMA Finalist HLE-Awards-Telstra Award

What most lenders think about commission income?

Some lenders will only accept 50% of your commission while others accept any commission income at all.

This reduce your borrowing power (if you also earn a base salary) or may see you declined for a mortgage altogether, if commission is your sole income source. Banks are cautious of relying on commission income because commission income is not guaranteed and can fluctuate.

We say that commission income is reliable!

In our experience, salespeople tend to have very stable incomes and can support a loan without posing a higher risk to themselves or the lender. This is because of a few factors that many lenders don’t take into account, such as:

  • You can always work more to earn more money.
  • Salesmen cost a company very little to keep employed in comparison to salaried employees. As a result, they are less likely to be made redundant during economic downturns.

What financial do I need to provide?

Most lenders require you to provide:

  • Your two most recent payslips. This must show your Year To Date (YTD) income which the bank can then extrapolate to calculate your annual income. Your YTD income must cover a period of at least 3 months to be acceptable on its own.

We’ve lent more than $1 billion+ Australia-wide.

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us… I recommend this service for those who find it very hard to purchase a property going directly to a bank. Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you. You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession… I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey… We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing! We really love it and are so happy with our purchase. Amine was right all along – things happen for a reason! Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change! Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan…. With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes…. We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

We are experts at finding the right home loan solution
for our customers. Let us help you.

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