John Carson-ZangorResidential Mortgage Broker Call John0451 389 800

Home loans for healthcare workers

Shift work, allowances, overtime, casual hours and agency income need the right evidence and the right lender policy.

What John checks first

John separates stable income from variable components, checks the history available and compares how suitable lenders may assess it.

  • Permanent, part-time, casual, agency or contractor employment
  • Base income, penalties, overtime and allowances
  • Length and consistency of variable income
  • Multiple employers or secondary income
  • Deposit option, credit conduct and repayment comfort

Documents that may help

  • Recent payslips showing year-to-date income
  • Employment contract or confirmation of hours
  • Income statement and bank credits where requested
  • Evidence of a second job or agency history
  • Savings, liabilities and identification through the approved application process

Important limits

  • Not every lender uses all overtime or allowance income
  • Short employment history can narrow the lender set
  • Low-deposit and government options have separate eligibility rules
  • Pre-approval is conditional and not a guarantee of final approval

General information only. Any personal credit assistance requires a review of your objectives, financial situation and needs. Approval remains subject to lender assessment and criteria.