Professional lending options
Selected lenders extend professional or finance-professional policy to qualifying senior tech roles. Subject to policy.
← Technology & technical professionals
Home loans for IT professionals.
Home loan support for IT professionals who want lending options matched to their income, qualifications and career path. Subject to assessment.
Who this is for
Built for it professionals like you.
- Software developers and engineers
- Systems analysts and cloud engineers
- Data analysts and data scientists
- Network engineers and IT managers
- PAYG employees and contractors
- Tech professionals buying or investing
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Why IT income can be assessed differently
Bonuses, RSUs and tech benefits are read inconsistently by lenders. The right lender counts what you actually earn.
PAYG vs contractor income
Day-rate contractors with steady history may be assessed on PAYG-equivalent terms by a small number of lenders.
RSUs, bonuses and tech benefits
Vested equity from global employers can count as supplementary income with the right lender.
Common challenges
Where this profession often hits friction.
Contract length and ABN history
Short term contracts can concern generic assessors. The right lender focuses on continuity, not engagement structure.
Foreign currency income
Some lenders apply hefty discounts to non-AUD pay. Lender choice materially changes borrowing capacity.
Bonus and RSU reliance
Where a large share of pay sits in bonus or equity, lender selection becomes the single biggest variable.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Map base, bonus, RSU and any contract income.
- 02Confirm which components each lender will count.
- 03Model borrowing capacity across multiple lender scenarios.
- 04Position the application clearly around your role.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- Degree, TAFE or certification evidence
- Employment contract
- Recent payslips
- Bonus history if applicable
- Tax returns if contractor
- Current loan statements
FAQs
Common questions.
Can IT professionals get no LMI home loans?+
Selected lenders extend professional LMI policy to qualifying senior tech roles. Eligibility varies - we confirm before lodging.
Do I need a degree?+
Not strictly. Stable income and clean credit usually matter more than the specific qualification path.
Can contractors qualify?+
Yes. A small number of lenders treat established contractors on PAYG-equivalent terms.
Can software engineers qualify?+
Yes - software roles are well understood by the lenders we use most often for tech clients.
Can RSUs or bonuses be used?+
Selected lenders count vested RSUs and consistent bonus history as supplementary income, usually with a discount.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.