Hello!

22 Comments

I am a professional working casual shifts. I earn enough to pay rent and household items and save a bit.
I have heard a lot of people saying you can’t get a home loan without a full time job. Is this true?

I have a paid up car. i believe if you have been paying rent for a period of time that is taken into consideration.
I have been renting for about 7 years and really really need a place I can call my own.

You know, that feeling of owning your own house and have a garden and pets!
I know mums from Mouths Of Mums have all kinds of experience, knowledge and skills. Please advice. You can even give me links to flow up. I am game for any constructive information.

Hoping to hear more from anyone.

Thanks in advance!!!


Posted by mom69971, 6th November 2014


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  • 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.

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

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  • does anyone know

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  • 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

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

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  • 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.

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  • great story to read

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  • great to read

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  • it a a great and exellent story

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

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  • 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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  • 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

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

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  • 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

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  • 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.

    Reply

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