Understanding Your Income
We're the Home Loan and Investment Loan Experts for Tech Industry Workers. Here are all the ways we can help
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Rated 5 from 69 Reviews
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
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Joey Shatari
The ONLY broker i will use in the future is Carl Elsass. That is all.
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Menefrida Horbino
Nick made the entire mortgage process seamless and stress-free. He was incredibly knowledgeable, responsive, and took the time to explain every step clearly. We always felt supported and confident in our decisions thanks to his guidance. Highly recommend Nick to anyone looking for a reliable and trustworthy mortgage broker
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Alexander Nicolaou
A massive thank you to Carl Elsas for assisting us with our loan. He was always available to us and made the process incredibly easy. I would recommend him to any first home buyer who’s scared to go through the process as Carl will have your back! Thanks again mate!
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Ritu Alwadhi
Carl is excellent .He was very prompt and very knowledgable .He did not waste any time and gave me very quick answers. I will highly recommend any one in need of mortgage.
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Zoie Carroll
Carl was excellent to work with. So reliable and very knowledgeable. He was a great communicator which made the whole process less stressful and more enjoyable. I highly recommend Carl, Nick & the team at Azura!
DA
Dan Ally
Nick O'Sullivan has guided us through multiple mortgages. Always patient, professional and partnering. A pleasure to deal with. We will always go to Nick when we need Mortgage assistance. I couldn't recommend him more!
MM
Michael M
Nick is a great advocate and gets the best deal for you. Always feel comfortable with outlining our requirements to him, even when you do your own research, and he comes back with the best deal. Thanks Nick
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Didi Sapin
We had a great experience working with Nick on our mortgage refinance. From the start, Nick showed a really strong level of knowledge and experience when it came to structuring the loan and explaining the options available to us. He was very easy to talk to, relatable, and always responsive whenever we had questions or needed something clarified. What really stood out was how proactive and prompt he was in taking action on our requests. His team was also fantastic — everyone we dealt with was professional, organised, and clearly worked well together to keep things moving smoothly. The whole process felt well managed and we were really happy with the outcome and the structure put in place for us moving forward. We genuinely enjoyed working with Nick and appreciate the support he and his team provided throughout the process. We would absolutely recommend Nick to anyone looking for a knowledgeable and reliable broker, and we look forward to working with him again for our next phase. Thanks again Nick, Ray & Team
JR
Jared Ridler
Big thanks to Carl for your help through the process! Made it all a breeze with clear quick communication and got us into our new home!
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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