Different income types, assessed correctly
Whatever your employment situation, we'll get you to the right outcome. Where we add the most value is with contracting and self-employed income, which standard assessments frequently get wrong.
PAYG contractors, ABN contractors, and self-employed professionals are all assessed differently by lenders, and getting matched to the wrong lender or the wrong loan structure can cost you borrowing capacity you didn't need to lose.​​
We specialise in getting this right for every income type, including the complicated ones.​​
Permanent PAYG
The most straightforward path. We move quickly to get you the best outcome, with no unnecessary friction.
PAYG contractors
Paid through an agency on a day rate. Assessed differently to permanent staff, but correctly handled, the outcome can be the same.
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ABN contractors
Invoicing under your own ABN, often to a single client. A different risk profile to a small business owner, but frequently lumped in together.
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Self-employed
Running your own business or practice. Add-backs, business financials, and trading history all factor into what you can borrow.
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We match each of these to lenders who assess the employment type favourably - not a one-size-fits-all approach.
See what you could actually borrow
Our borrowing capacity calculator considers your employment type - whether that's PAYG, ABN contractor or self-employed - to give you a realistic picture before you talk to a lender.​​​​
OTHER CALCULATORS ALSO AVAILABLE
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20+ years in financial services. One clear focus
Want A Loan is run by Noah, who has spent over two decades in financial services, and specialises in mortgage broking for contractors and self-employed professionals. We compare options across a panel of over 30 lenders, matching each client to the lenders who assess their employment type favourably.​
20+
Years experience in financial services
30+
Lenders on panel
Contractor and self-employed lending explained
The detail most brokers don't go into.
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SELF EMPLOYED
7 Things Every Self-Employed Person Should Know Before Applying for a Home Loan
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Based in Earlwood, working across the Inner West and Sydney-wide
Locally based in Earlwood and serving Inner West and Canterbury-Bankstown clients face-to-face, with the flexibility to work remotely with contractors and self-employed clients anywhere in Australia.
