Home Loans for FIFO Workers
FIFO income looks great on paper, but not every lender understands it. Site allowances, LAFHA, rotation bonuses — some banks discount them heavily. We match you with lenders who treat your income fairly.
FIFO-friendly lenders
We know which lenders accept 100% of your site allowance as income.
Rotation understood
2/1, 4/1, 8/6 rosters all normal — we package your application correctly.
Remote settlement
Signing documents from site? We make it work around your swing.
How lenders assess FIFO income
Some lenders accept 100% of your gross FIFO salary. Others discount site allowances by 20-50% or require 2+ years of proven income. Choosing the right lender can mean the difference between approval and decline, or between borrowing $500k and $700k.
Common FIFO loan structures
Many FIFO workers use offset accounts heavily — income hits the offset during swings and reduces interest. We help structure loans so your offset works hardest for you.
Applying while on swing
We can run the entire process via email, text and phone while you're on site. Electronic signing and remote settlement agents mean you can buy without taking time off.
FAQs
Can I use my site allowance to borrow more?
Yes — with the right lender, 100% of your site allowance counts as income. We know which lenders to approach.
Do I need to be off swing to apply?
No. We handle the entire process remotely. We've settled loans for clients still on site.
Will FIFO hurt my chances of approval?
Not with the right lender. In fact, many FIFO workers borrow well because of strong income. The key is presenting the income correctly.
Ready to talk about your next home loan?
Free, no-obligation chat with Hoshang. We'll map out your options in 20 minutes.