Buying a home as a chef comes with its own set of challenges. Casual rosters, split shifts, overtime, tips, and irregular hours can make standard loan applications tricky. But at SaaN Home Loans, we know how to present your income in the strongest possible way and find lenders who understand how hospitality professionals earn.
The savings are significant. The process is simple.
Why Choose Us?
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
not all lenders treat casual income the same way.
base pay, overtime, penalties, and allowances — to maximise your borrowing capacity.
we are paid by the lender after settlement.
FAQs
- Can I get a loan if I work casually as a chef?
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Yes. Some lenders accept casual income if you have a consistent employment history. We identify the most suitable lender for your situation.
- Do overtime and penalty rates count as income?
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With the right lender, yes. We work with lenders who factor in your full earnings, not just your base wage.
- How long do I need to be employed?
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Most lenders prefer at least 6 to 12 months with your current employer. We assess your history and find the best fit.
- What deposit do I need?
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Standard lending policy typically requires a minimum 5% to 10% genuine savings deposit. We confirm what applies to your situation.
Free Consultation
We review your income structure, employment history, and borrowing capacity.
Lender Match
We identify lenders with flexible income assessment policies suited to hospitality workers.
Application
We handle all paperwork and communicate with the lender on your behalf.
Settlement
Your loan settles and you get the keys to your new home.
