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.
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.
Self-employed
Running your own business or practice. Add-backs, business financials, and trading history all factor into what you can borrow.
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
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.
SELF EMPLOYED
7 Things Every Self-Employed Person Should Know Before Applying for a Home Loan
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.
