Yes! IT contractors can qualify for a home loan.
- Get approved without having to provide your last two years tax returns.
- Borrow up to 95% of the purchase price with some of our lenders.
- Get the same interest rates and home loan packages as a full-time worker.
- Speak to a specialist mortgage broker who actually understands IT contractors.
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Our award-winning mortgage brokers will find you the right home loan for your situation.
Why do banks have a problem with contractors?
Banks see your working situation just like they see a casual employee who just started a new job. Bank policy hasn’t caught up with the IT industry so, on paper, contracting doesn’t look good when trying to determine your financial stability.
The truth about IT consultants.
IT consultants choose to contract because they get paid a lot more money and it gives them the freedom to work on different projects.
They are actually in higher demand than ever before, particularly in the infrastructure space.
- We understand how IT contractors work.
- They tend to get consistent pay.
- They get paid really well.
- They work a minimum amount of hours.
- They have minimal work expenses because they’re mostly covered by their employer.
What if I’ve just changed jobs?
Not a problem! If you have at least two years of experience in the same line of work and a consistent work record then you may get approved.
With that under your belt, some lenders will approve your loan even if you’ve only been on the job for a day. Just don’t change jobs before your loan is settled!
What if I can’t provide tax returns for the last two years?
No worries! We can get your loan approved if you can provide the any of the following as alternative evidence:
- Tax invoices from the last 3 months.
- Bank statements from the last 3 months showing regular salary credits.
We’ve lent more than $4 billion+ Australia-wide.
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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
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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
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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
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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
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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
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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