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Real Estate Agent Home Loan Australia: Real Lending for Commission Income

Mortgagefy Broker Team · Published · Last reviewed

Real estate agent income — commission-based, irregular, peak/trough cycles — banks default to conservative assessments. Mortgagefy knows lenders who handle agent income properly.

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Who this guide is for

Australian real estate agents — sales agents, leasing agents, principals — wanting home loans that recognise commission income.

  • Commission-based real estate sales agents with 2+ years' history
  • Leasing agents on retainer plus commission
  • Real estate agency principals and senior agents
  • South Asian real estate agents needing cultural support

The real challenge

Real estate agent income has a lot of variation — high months when properties settle, low months between sales. Commission income is treated differently by different lenders, and major banks often discount it conservatively.

Specialist lenders look at 2-year averaged commission income, smoothing out monthly variation.

How Mortgagefy helps

Mortgagefy works with lenders that handle real estate commission income properly — using 2-year averages, including retainer income, and applying realistic serviceability.

Free advice. Honest assessment.

How it works — 4 simple steps

1

Free real estate agent chat

20-minute call about your commission structure, retainer (if any), 2-year history.

2

Compare lender options

We identify lenders that maximise borrowing for commission income.

3

Application package

We compile your payslips/commission statements, tax returns 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 a real estate agent home loan assessment

Free 20-minute call about your real options on commission income.

Start Your Free Assessment Call 0432 634 648

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