Home Loan With Two Jobs Australia | Combined Income

Q: Will banks count both my jobs as income?

Depends on lender. Some 100% both; others discount second job; some don't count.

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

12-24 months BAS or tax returns. Combined with PAYG day job boosts borrowing.

Q: How long do I need at the second job?

6-12 months typical. Some accept 3 months for casual.

Q: Should I quit my second job for simpler application?

Generally no — second job income real. Find the right lender instead.

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

Yes — many lenders accept multi-employer healthcare casual.

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.

PAYG worker with second PAYG casual or part-time role
Day job + Uber/rideshare/delivery side hustle
Healthcare worker with two facility roles
Migrant workers building income with multiple jobs

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

Free two-job chat

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

Compare lender options

We identify lenders that maximise two-job borrowing.

Application support

We compile payslips and supporting documents from both jobs.

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.

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