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 76 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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Shaun Cunningham
As a founder, getting a mortgage requires a couple more hoops to jump through, which is why I couldn't recommend Nick O'Sullivan and the Azura team more highly. Not only were they able to offer a seamless process, but Nick was also patient with us as we changed our minds about when to buy (over a period of years!). The truth is anyone can approach a bank and get a mortgage, but when things don't go perfectly (e.g. abrupt government changes), that's when you want a pro on your team like Nick.
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Van Tran
Nick and the team at Azura Financial exceeded our expectations at every step. Their guidance was clear, their expertise was evident, and they handled every financial detail with care — giving us complete peace of mind throughout the process. We couldn't have asked for a better team by our side. Thank you very much, V&V.
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sarah ander
As a first home buyer, Carl and the team at Azura were incredibly helpful throughout the whole process. They made everything feel straightforward and were always there to answer any questions along the way. I’ve already recommended them to friends and would highly recommend them to anyone looking to get a mortgage!
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Alannah Paige
I am a first home buyer and had Carl as my mortgage broker. He worked diligently to follow up any issues or questions I had and made the process as smooth as it could. I highly recommend! Thank you Carl.
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Philip Woods
Carl and team were absolutely impressive with their attentiveness to answering questions no matter how stupid they were. The urgency they put into attending to timelines and requests was superb. I would recommend them without hesitation.
めめん
Nick was amazing to work with. He's easygoing, quick to reply, and genuinely a very competent broker. He made my loan possible and secured a great deal for me. Highly recommend:)
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Carina
Nick O’Sullivan helped me with my first investment property purchase last year. As it was my first time, I had plenty of questions, but he was always happy to help and made the whole process seamless. I recently used Nick again to refinance my loan and secure a great interest rate, and once again everything was handled smoothly and efficiently. I highly recommend Nick and his team and look forward to working with them again in the future.
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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
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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