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Home Loan With Two Jobs in Australia: Combining Income for Maximum Borrowing

Mortgagefy Broker Team · Published · Last reviewed

Working two jobs to save faster? Some lenders count both at 100%; others discount the second. Lender choice makes a huge difference.

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Who this guide is for

Australians working a primary job plus a secondary job (PAYG, casual, or ABN) wanting to combine income for home loan borrowing.

The local picture

Two-job income is more complex for lenders. Most need 6-12 months' history of the second job to count it. Some lenders count second-job at 80%; others 100%. Some don't count it at all.

Wrong lender choice can mean $100K+ less borrowing capacity.

How Mortgagefy helps locally

Mortgagefy works with lenders that maximise two-job borrowing. We document both income streams properly, choose the lender that counts your specific second-job type best, and present applications cleanly.

Free advice.

How it works — 4 simple steps

1

Free two-job chat

20-minute call about both jobs, hours, history, and target home.

2

Compare lender options

We identify lenders that maximise two-job borrowing.

3

Application support

We compile payslips and supporting documents from both jobs.

4

Settle into your home

You move in with full income recognised.

Frequently asked questions

Will banks count both my jobs as income?

Some lenders count both at 100% with 6-12 months' history. Others discount second job to 80% or won't count it at all. Lender choice matters significantly.

I have day job + Uber side. How is rideshare income counted?

Specialist lenders count rideshare income via BAS or tax returns. Some accept 12 months' BAS; others want 2 years tax returns. Combined with PAYG, this often boosts borrowing significantly.

How long do I need at the second job?

Typically 6-12 months for full income recognition. Some lenders accept 3 months for casual second jobs.

Should I quit my second job for simpler application?

Generally no — second-job income is real income that increases borrowing. Better to find the right lender than abandon the income.

I work two healthcare jobs at different hospitals. Will banks accept that?

Yes — multi-employer healthcare casual is acceptable to many lenders. Some specifically handle healthcare casual well.

Maximise your borrowing with two-job income

Free 20-minute call about both your jobs.

Start Your Free Assessment Call 0432 634 648

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