Yes! You can get a home loan as a contractor.
Specialised Loans for Contractors, Freelancers, and Self-Employed


















What Type of Contractor Are You?
Understanding your income type will determine your home loan options. Banks will either treat you as a PAYG employee or a self-employed contractor depending on how you are paid.
Are you a PAYG Contractor?
- Fixed Term, Short term, or Longer Term Contractor
- One main employer
- Receives regular holiday and sick leave benefits
- Receives regular payslips
- Tax withheld and super paid by the employer
- +2 years’ experience in industry
- +3 months in role
Are you a self-employed contractor?
- Fixed Term, Short term, or Longer Term Contractor
- Multiple employers
- Does not receive regular holiday and sick leavebenefits
- Invoices employer or receives a day rate
- Sole Trader or company with registered ABN
- +2 years’ experience in industry
- +12 months in role
Specialised solutions for specific industry professionals




Mining
- High salaries, but often face fixed-term contracts.
- Frequent moves between mines based on work availability.
- We work with lenders who understand these dynamics.
- Secure competitive rates and favorable terms.
IT Consultant
- Among the highest-paid workers in Australia.
- Many lenders don’t understand IT industry, often declining applications.
- High demand and low supply of skilled IT consultants.
- We partner with banks that recognize the stability of IT contract work.
Construction
- Work on projects until completion or have rolling contracts.
- Providing own materials may classify you as self-employed.
- Requires two years of recent tax returns if self-employed.
- We help navigate complexities to get the best loan terms.
Freelancer / Journalists
- Typically paid per article or for multiple projects.
- Income assessed based on frequency, reliability, and ongoing nature.
- We use tailored methods to accurately assess your income.
- Secure a home loan that fits your financial situation.
What our clients say

“I've been working with Flint for several years now, and I couldn't be happier with their service. Their expertise has been invaluable to my business’ success.”

“I've been working with Flint for several years now, and I couldn't be happier with their service. Their expertise has been invaluable to my business’ success.”

“I've been working with Flint for several years now, and I couldn't be happier with their service. Their expertise has been invaluable to my business’ success.”
Our award-winning team excels in providing exceptional service











