Home Loans for Teachers
Teachers have stable income but can hit roadblocks with fixed-term contracts or casual relief work. We help you navigate this with lenders who understand the education sector.
Fixed-term contracts
Many lenders accept your teaching contract history as stable income.
Casual & relief teachers
Casual teaching income can qualify you — we know which lenders accept it.
Long service leave
Banked LSL can boost your deposit or improve serviceability.
Fixed-term teaching contracts
Rolling fixed-term contracts are common in WA education. Most lenders accept this as stable employment if you can show 2+ years of continuous contracts. We match you with lenders who treat education contracts the same as permanent roles.
Casual and relief teaching
Casual teachers can still get home loans — you just need a lender who accepts casual income (usually with 12+ months of history). We know who says yes.
Salary packaging
Many WA teachers access salary packaging benefits. Not all lenders assess packaged income correctly. We ensure your full remuneration is counted.
FAQs
Can I buy if I'm on a fixed-term teaching contract?
Yes — most lenders accept rolling fixed-term contracts if you show 2+ years of continuous teaching.
What about casual relief teaching?
Possible with several lenders. We'd typically look at 12 months of Centrelink or income history.
Can I use my partner's income if they're also a teacher?
Absolutely. Dual-teacher households are strong borrowers — we package the application to maximise your capacity.
Ready to talk about your next home loan?
Free, no-obligation chat with Hoshang. We'll map out your options in 20 minutes.