Understanding Your Income

Tech professionals are paid differently to most people, and that complexity can create real challenges when applying for a home loan. Your total compensation package might include a base salary, RSUs (Restricted Stock Units), performance bonuses, contractor day rates, equity vesting schedules, or commission structures. You might have switched jobs recently, moved from permanent to contract work, or transitioned into running your own business. Each of these factors affects how a lender views your income, and not all lenders view them the same way. The problem is that most banks and lenders are set up to assess straightforward PAYG income. When your pay structure is more complex, applications can get flagged, undervalued, or declined, not because you can't afford the loan, but because the lender doesn't fully understand how you're paid. That's where we come in.

We Understand How Tech Professionals Are Paid

At Tech Home Loans, we work exclusively with people in the tech industry. We understand the difference between a vesting schedule and a one-off bonus, and we know which lenders will count RSUs toward your income and which ones won't. We know how to document contractor income to satisfy lender requirements, how to present a recent job change as a sign of career progression rather than instability, and how to structure a self-employed application to reflect your true earning capacity.

This specialist knowledge means we can present your application in the most accurate and favourable light from the start, saving you time, protecting your credit file, and giving you the best possible chance of approval.

What Lenders Look At

When a bank assesses your home loan application, they're trying to answer one question: can this person reliably make their repayments? To answer that, they look at your income stability, your income type, how long you've been earning it, and how likely it is to continue.

For tech professionals, this assessment can get complicated. A bonus paid in the last financial year might be counted in full, partially, or not at all depending on the lender and how it's presented. RSUs may be treated as income by some lenders and ignored entirely by others. Contract income assessed over a short period can look inconsistent even when your work history is strong.

We help you understand exactly what counts toward your borrowing capacity before you apply, so there are no surprises and no wasted applications.

Income Types We Regularly Work With

We work with tech professionals across a wide range of income structures, including permanent employees with base salary and bonuses, workers receiving RSUs or other equity-based compensation, contractors and consultants on fixed-term or ongoing contracts, commission-based sales and solutions roles, and self-employed developers, founders, and freelancers.

No matter how your income is structured, we can help you understand your position and find the right lender for your situation.

Your Next Step

Getting clarity on your income is the first step toward knowing what you can borrow and what kind of property you can realistically target. Our team is here to walk you through the numbers, explain how lenders will view your specific situation, and map out a clear path to approval.

Book a free appointment today and find out exactly where you stand