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Aged Care Worker

Aged Care Worker Home Loan Australia: Real Lending for Sector Workers

Mortgagefy Broker Team · Published · Last reviewed

Aged care worker income — casual loadings, multiple facilities, shift work — banks default to conservative serviceability. Mortgagefy knows lenders who count it properly.

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Who this guide is for

Australian aged care workers — PCAs, ENs, AINs, support workers — wanting home loans that recognise casual loadings and multi-facility employment.

  • Casual and part-time aged care workers across multiple facilities
  • PCAs and personal care assistants in residential aged care
  • NDIS support workers in disability care
  • South Asian aged care workers (Filipino, Indian, Nepali) needing cultural support

The real challenge

Aged care worker income is often built from multiple casual roles, weekend and night penalties — and major banks discount this aggressively. Many aged care workers are told they can't qualify when they actually can.

Specialist lenders count casual income at 100% with 12+ months' history and handle multi-employer applications smoothly.

How Mortgagefy helps

Mortgagefy works with lenders who treat aged care worker income properly. We document multi-facility income, identify lenders comfortable with casual structures, and present applications that maximise borrowing capacity.

Free advice. Honest assessment.

How it works — 4 simple steps

1

Free aged care chat

20-minute call about your facilities, shifts, casual income and target home.

2

Compare lender options

We identify lenders that maximise aged care worker borrowing.

3

Application package

We compile your payslips, employment letters and shift documentation.

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 aged care worker home loan assessment

Free 20-minute call about your real options including weekend penalties and multi-facility work.

Start Your Free Assessment Call 0432 634 648

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Mortgagefy

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

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