Can I Get A Home Loan With A Casual Job?
Yes! It is possible to get approval for your home loan while casually employed. The secret to getting approved is to know what the lender’s policy is, and to apply with a bank who can accept people in your current employment status.
Typically lenders see casual employees as unstable. Your income may fluctuate from week to week or you may go for some time without shifts at all. In addition to this you are not paid for holidays and have less job security than a full time employee.
Lenders simply haven’t come to the realisation that in this day and age nobody has the same job security that was available in the past. Many industries such as hospitality or nursing tend to have a very high number of casual employees, yet the experienced staff are never out of work. However other industries (such as finance!) tends to have many permanent full time employees that are concerned about their job security!
As a result of the way banks see casual employees they typically will not accept any of your income until you have been in your job for 12 months and even then may only use 50% of the income that you earn!
So what is the secret to getting your home loan approved?
It’s simple! Apply with a lender that has flexible policy for casual employees. Some lenders will accept 100% of the income that you earn and only require you to be in your current job for 3 months or more. They will confirm the date you started then use the Year to Date (YTD) figure from your payslip to work out your annual income.
Some lenders can also use your group certificate to calculate your earnings. A good mortgage broker can help you to decide which documents to provide to your lender so that they assess your income in the most favourable way.
You can apply with a specialist mortgage broker who understands casual employees such as the Home Loan Experts who can quickly work out which lenders can help you. Generally there are no fees for the services of a mortgage broker, they can quickly work out which lenders you qualify with even help you with the paperwork.
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