I think the issue is more likely to be that you are casual rather than part time. If you can establish an extensive history of consistent earnings that is what they are going to look at along with your actual income. I obtained my first home loan while working part-time (half-time) but had a substantial deposit and it was a government job.

I don’t know sorry, but would be interested to find out if you can or not?

does anyone know

I think it would be harder to get a home loan on casual hours, especially on your own. My partner and I had to combine just to get a car loan! You are right about renting though, if you have a good rental history, it works in your favour. It’s also good to have savings in your bank that have been there for a while

This is an old post; I hope you had success with a loan!

get a secured loan. Put a car or something valuable against the loan. Make sure you can pay this loan or you will lose the car. Or get someone to go guarantor for you.

great story to read

great to read

it a a great and exellent story

I so know how u feel ,,as far as I know u can & some first home owener can get grants .

I definitely agree, see a mortgage broker. The banks will want to know how much you earn on average and how much the loan is. If you can afford it, being casual shouldn’t matter.

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  • • mom93821 replied
    • 28 Jun 2015 , 6:35 am

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  A mortgage broker is a good idea too.

Yes you can it may have a few more conditions on it but you can the bank or morgage broker is the place to start

I think if you go to your bank and tell them your circumstances they will tell you your chances pretty quick.

I really hope your dream comes true. I have no other advice other than a mortgage broker can advise you of the best possible loan. Best of luck

In short, yes it is possible. Your mortgage broker will be able to lead you to the right loan. They do take into consideration that you have managed to pay rent with no problems.

I agree with the other comments and think your first step is to speak to your bank or a mortgage broker. They are the best ones to assess your situation. It goes in your favour that you’ve had a good rental history, a paid off car and still managing to save. They will be able to advise if they will lend you money and to what amount. You may be required to have a guarantor possibly so you may want to give consideration to that. Be carefu not to over extend yourself but all the best to you in securing a loan!

I would definitely start with either approaching your current bank or a mortgage broker. They should be able to give you some ideas. They will want to look at some recent payslips and I think you will find they take into consideration casual work as long as you have been working for the company or business for more than a certain period of time I think it is 12 months.

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  • • mom69971 replied
    • 18 Nov 2014 , 1:06 am

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  Good advise, you are giving me hope. Thank you.

I think it depends on a lot of things – whether you’re permanent is more important than full or part time. Other sources of income, savings record, and the size of the loan you want will all be factors.

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  • • mom69971 replied
    • 11 Nov 2014 , 8:57 pm

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  Thank you BellaB. It is very encouraging. I will start approaching some banks to see what they can offer me.

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    • • mom57522 replied
      • 16 Jan 2015 , 8:26 am

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    Hi, just wanting to know if you ended up speaking to an insurance broker and are now looking for a house?