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

Bill Johnson
Bill JohnsonBusiness Owner
“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.”
Bill Johnson
Bill JohnsonBusiness Owner
“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.”
Bill Johnson
Bill JohnsonBusiness Owner
“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

Specialised loans for contractors, freelancers, and self-employed.

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