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Guides

Your job changes the answer more than your credit file does

Lenders don't just look at how much you earn. They look at how predictable it is and how easily you can prove it. Penalty rates, allowances, agency shifts and ABN income are all treated differently, and the differences are large enough to change the answer. Each guide covers one kind of work.

Nurses

Part 9 loans for nurses

Nurses in a Part 9 debt agreement: how lenders treat shift penalties and overtime, why the essential-services rule matters, and what to have ready.

7 min read

Apprentices

Part 9 loans for apprentices

Apprentices in a Part 9 debt agreement: how lenders read an award wage and training contract, when a guarantor helps, and when waiting is the honest answer.

7 min read

Tradies

Part 9 loans for tradies

Sparkies, chippies and plumbers in a Part 9: how PAYG and ABN income are assessed differently, what low-doc actually needs, and why the ute is a special case.

8 min read

Truck drivers

Part 9 loans for truck drivers

Truck drivers in a Part 9: how travel allowances are assessed, why employee and owner-driver applications differ, and what licence class changes.

7 min read

Teachers

Part 9 loans for teachers

Teachers in a Part 9: how lenders read fixed-term contracts that expire in December, casual relief work, salary packaging and incremental pay scales.

7 min read

Hospitality workers

Part 9 loans for hospitality workers

Chefs, baristas and venue staff in a Part 9: how penalty rates and seasonal swings are assessed, why time-in-job matters most, and how to present tips.

7 min read

Single parents

Part 9 loans for single parents

Single parents in a Part 9: how Family Tax Benefit, Parenting Payment and child support are assessed, and what the dependants benchmark does to capacity.

8 min read

FIFO & mining

Part 9 loans for FIFO and mining workers

FIFO and mining workers in a Part 9: why a big income doesn't automatically mean approval, how labour hire is assessed, and what site allowances count for.

7 min read

Casual workers

Part 9 loans for casual workers

Casual workers in a Part 9: the six-to-twelve month continuity test lenders apply, how averaging works, and what to do about gaps between shifts.

6 min read

Self-employed & sole traders

Part 9 loans for self-employed and sole traders

Sole traders in a Part 9: low-doc options when returns are behind, why add-backs matter, and how ATO debt interacts with a debt agreement.

8 min read

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