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Temp / Agency Worker Home Loan

How can Agency & Temp workers get a home loan?

Are you employed by an Agency? Often agency workers choose to work through an agency to earn a higher income or to get a fresh job every few months.

Your career is your choice and you shouldn’t have to change it just to get a home loan!

So how do you get your mortgage approved?

We know which lenders can help. Read on to find out more.

How long do I have to be working?

The vast majority of lenders will require a 12 month employment history in your current job before they can consider you for a home loan.

This can be problematic if you’ve just started a job. However, we can help!

We know of lenders that will accept a shorter employment duration. Call us on 1300 889 743 or fill in our free assessment form. Discuss your situation with an expert team that can help you get approved!

Have you worked in your job for less than 12 months?

We acknowledge that some people may have just started their new job, but may nevertheless be in a strong financial position and may be able to support a loan.

One of our lenders only requires a 3 month employment history, as long as you have a track record of study or employment in the same field.

  • If you have a stable income that’s regular e.g. a set weekly salary, then we may be able to help you get a loan if you have been in your job for just one day!
  • If you have a fluctuating income then a three month track record is required so that the lender can complete an annualised Year To Date assessment of your income.

Please call us on 1300 889 743 to discuss your situation or complete our free assessment form today!

Which lenders can help?

Non-bank lenders tend to be more conservative with lending to temp and agency employees.

The exception to this would be non-bank specialist lenders which also lend to people with bad credit. These lenders are more expensive than the rest.

Luckily, a couple of our banks are happy to consider these applications as long as their other home loan criteria are met.

To find out which banks will approve your mortgage, please contact us on 1300 889 743 or complete our free assessment form today.

What do the lenders think?

To a lender, an agency worker or someone in temporary employment represents a higher risk than a full time permanent staffer.

Their guidelines are designed to stop you getting a home loan!

If they see payslips with a recruitment agency’s letterhead, that’s usually enough to get your home loan declined!

However, are the banks right in thinking that all agency and temp workers are the same? No!

If you’re in a high demand industry, you can leave your job and have a new one by that afternoon!

Some lenders know this and can take this into consideration when approving your home loan.

Please fill in our free assessment form or call us on 1300 889 743 to speak with a mortgage broker that specialises in arranging loans for temporary employees and agency workers.

How can I get approval?

In most cases, we can look at the track record of income you have received in the last year and use this to assess your loan.

In other cases, if you can prove that your employment is ongoing then there’s no reason why you can’t get a home loan while working for an agency.

What is an agency worker?

An agency worker is someone who’s hired on a temporary basis. They generally go through an intermediary such as a recruitment agency.

The employer will pay the recruitment agency, who’ll then pay the agent/temporary worker, a salary or wage.

There’s generally a large number of temporary or temp staffing jobs across many fields including:

  • IT
  • Hospitality
  • Mining
  • Healthcare

If you’re an agency worker and are looking to finance a home, investment or construction project, please fill in our free assessment form or contact us on 1300 889 743.

Our team of specialists can help you apply with the right lender who can approve you first time round!

What is a temporary worker?

As the name implies, a temporary worker isn’t committed to full-time employment and only works in a job temporarily.

There are many employment types where workers are only need for a short period of time. Some include:

  • Contract workers
  • Freelancers
  • Casual staff
  • Seasonal basis

These types of workers can be found across many industries, but seasonal workers are more common in the agricultural industry.

However, temporary workers are also common in many professional fields such as:

  • Accounting
  • Engineering
  • Consultancy
  • Project Management

Duration of agency/temporary employment

The length of employment varies according to industry. Whilst some many only be employed on a cyclical basis, others may work on large contracts and projects and some may be employed part-time or full-time.

What benefits can I receive?

Most temporary employees don’t receive any employment benefits, unless they’re working on a more permanent basis. However, some employers offer health care and other benefits that are inclusive in the salary package.

Advantages & Disadvantages of agency work

There are many advantages to agency work, including employment flexibility and the option of trying out various different employers, rather than committing to full-time work.

Further, employment is abundant and labour is in short supply.

However, there are also disadvantages!

If you’re switching from temp job to temp job constantly then your bank will have trouble with your home loan application.

Our mortgage brokers can help! Call us on 1300 889 743 or complete our free assessment form to get expert advice from our specialist team!

Which loan types are available?

All loan types are available: Professional packages, basic loans, lines of credit, fixed rates.

How much can I borrow?

You can borrow up to 90% of the property value.

If you’re in a strong financial position and have been in your current role for 6 to 12 months then we may be able to help you to obtain a 95% home loan.

What can I use the loan for?

Home / domestic use, investing, purchases, refinances and construction are all acceptable loan purposes.

Who is this loan for?

This home loan is for:

  • Agency employees/ temporary workers with a history of employment in other temp jobs, or
  • Temp / agency workers that have just started in a permanent position are all eligible for home loans.

If this sounds like your employment situation, please fill in our free assessment form or call us on 1300 889 743 to speak to a team of specialist mortgage brokers who can help you get approved!

Who is this loan NOT for?

This home loan isn’t for temporary workers with no ongoing history of work. Sorry, but if we can’t show that you can always earn a good income there’s little chance that your home loan will be approved.


Professional package and basic home loan discounts are available.

Loan features

All home loan features are available: Interest only, fixed rate, line of credit, 100% offset, redraw, extra repayments.

Apply for a home loan

Agency employees usually have a high chance of getting their home loan approved if it’s submitted to the right bank.

Temp workers may have to provide additional documents but provided that their situation is truly stable, they usually have an excellent chance of approval.

Please complete our free assessment form or call us on 1300 889 743 to speak to a mortgage broker who specialises in dealing with lenders that will consider applications from agency or temp workers.

  • Hannah

    One of my friend works in a popular hotel however he gets her payslip from other company, a recruiting firm I guess. Will she be eligible for a home loan? Is an employment letter from the hotel/ firm necessary?

  • Hi Hannah,

    Your friend may be eligible for a home loan, however some banks regard an agency worker or temporary workers as higher risk than a full time employee. However, there are a couple of banks and other specialist lenders who consider lending to agency workers if their other loan criteria can be met.

    So, it’ll be good for your friend if he or she could speak with a mortgage broker that specialises in arranging loans for temporary employees and agency workers.

  • cowlishaw

    My income is not consistent and I’ve been working for less than a year in my current job so can I qualify?

  • Hello cowlishaw, if you have a fluctuating income then you can qualify but you’ll need a 3 month track record so that the lender can complete an annualised Year To Date assessment of your income.

  • Laurenda

    What’s the max loan amount that I can borrow at 85% LVR?

  • Hey Laurenda,

    Two of our lenders currently have a special where they are offering no LMI home loan for up to 85% LVR under the condition that:
    – Your max loan amount is $1 mil.
    – You must have a clear credit history.
    – You may need to meet minimum income criteria with some lenders.
    – You’re a low risk borrower (strict criteria apply).

    Please call 1300 889 743 if you want to discuss this with one of our mortgage brokers.