How long do I need to be in my job before I can apply for a loan?

April 26, 2016
Rebecca Crommelin

Typically, if you are PAYG, banks want you to have been in your job for 6 months before considering your loan application. However, there are several banks on our panel of lenders who will consider 3 months employment and being out of probation. 

There are also several banks who will take into consideration your employment history when assessing your application. If it is the same occupation or similar to your new occupation, then typically these banks will not insist on the 3 to 6 month employment term with your new employer. 

If you have any queries or concerns regarding applying for a home loan, contact me today on (08) 9485 0090.


If you are self-employed, most lenders have a standard requirement of 2 years personal and company tax returns. However, there are some lenders on our panel that will consider just the last years tax return when considering your application. 

Interested in starting your home loan journey? Take a look at our recent video on the home loan application process. 

If you have any further questions regarding home loans, don't hesitate to give me a call at Mortgage Choice in Perth today on (08) 9485 0090.

Rebecca Wilson,

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