Maximize Borrowing Power With 100% Income Recognition.
Many banks shade or discount overtime, shift allowances, performance bonuses, and sales commissions. We package your salaried income with specialized lenders who recognize 100% of your earnings to maximize your borrowing capacity.
Overtime & Allowances
100% recognition of overtime and shift allowances with qualifying lenders.
Bonuses & Commission
Include your performance bonuses and commission income to boost loan size.
Bank-Beating Rates
Secure sharp, competitive interest rates across Australia’s top banks and non-bank lenders.
Simple Documentation
Standard payslips, PAYG payment summaries, and bank statements for rapid approval.
How We Maximize Your PAYG Loan
- Compare 30+ lenders to find those with the most generous servicing calculators
- Include secondary employment income, allowances, and penalty rates
- Structure loans with offset accounts & redraw facilities to save interest
- Specialist medical, legal, and professional LVR waiver options up to 90%
- Fast-track 48-hour turnarounds for time-critical property purchases
- Ongoing rate reviews to ensure your mortgage stays competitive
Required Documents For PAYG Workers
Getting approved as a salaried employee is simple and straightforward:
*Rates are subject to credit criteria and lender policies. Available to qualifying borrowers.
Ready to Calculate Your PAYG Borrowing Rate?
Find out how much you can borrow with 100% overtime and bonus recognition. Get a free, non-binding quote from James Janai today.