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Accountant Contractor

Accountant Contractor Home Loan Australia: Lending for Professional ABN Income

Mortgagefy Broker Team · Published · Last reviewed

Whether you're an independent CPA running your own practice or contracted to firms on ABN, Mortgagefy specialises in accountant contractor lending.

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Who this guide is for

Australian accountants working as contractors or running their own practices wanting home loans that maximise borrowing on professional ABN income.

  • CPAs and CAs running independent accounting practices
  • Contracted accountants working for firms on ABN day-rate
  • Tax agents and bookkeepers with established BAS history
  • South Asian accountants (Indian, Pakistani, Bangladeshi) needing cultural support

The real challenge

Accountant contractors should be model borrowers — but the ABN structure confuses some major banks. Day-rate income, fixed-term contracts and irregular client billing all create complexity that mainstream banks default away from.

Specialist lenders treat accountant contractor income well — particularly with 2+ years' history and consistent BAS.

How Mortgagefy helps

Mortgagefy works with lenders comfortable with professional contractor income. We document your day rate or practice income properly and identify lenders that maximise borrowing.

Free advice.

How it works — 4 simple steps

1

Free accountant contractor chat

20-minute call about your structure (practice or contracted), income and target home.

2

Compare lender options

We identify lenders that maximise professional contractor borrowing.

3

Application package

We compile your tax returns, BAS, contracts and supporting documents.

4

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.
Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.
Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.
If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.
Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.
ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Get an accountant contractor home loan assessment

Free 20-minute call about your real borrowing capacity as an accountant contractor.

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Mortgagefy

Sydney mortgage broker — Specialist in self-employed and unconventional income loans

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