Engineer trying to get a home loan?

Your bank probably isn't showing you the best way

PAYG, on contract, or running as an independent contractor? The way you're paid changes everything about how much you can borrow and when. Most banks only know how to read one of them. We know all of them.

A free strategy call replaces the guesswork with a straight answer specific to your situation, your income structure, and where you want to be.

Book Your FREE 15 Minute Chat

WE HEAR THIS EVERY WEEK

Does any of this sound familiar?

You're an engineer. You earn well. So why does buying feel harder than it should?

Maybe your income is structured in a way your bank doesn't handle well. Maybe you've been told to wait two years, or been quoted far less than you expected. Maybe overtime and bonuses make up a big chunk of your pay and the bank barely counts them.

Meanwhile, prices keep climbing and you're still on the sidelines getting nowhere.

The problem usually isn't you. It's that your bank only reads your income one way.

  • If you're PAYG
    Overtime, bonuses, allowances and shift loadings are often discounted or ignored by your bank. The right lender counts far more of it which can lift your borrowing power without you earning a cent more.

  • If you're on contract
    Fixed-term and day-rate income makes banks nervous, so they shrink it or ask you to wait. The right lender can recognise your full earning capacity instead, often the difference between borrowing sooner and borrowing more.

  • If you're a contractor
    You might be treated as "self-employed" and told to come back in two years. There are nearly always faster pathways than your bank is letting on.

FREE STRATEGY CALL

See where you actually stand

Book a free 15-minute strategy call to see how much you may be able to borrow

Your details are kept private. We'll never share them with third parties.

ABOUT NIK

Your trusted Broker.

Before mortgage broking, I studied engineering and spent years working in robotics and manufacturing, alongside engineers every single day. I understand how you're paid, how contracts and projects actually work, and the realities of the industry.

I moved into broking after investing in property myself and getting hooked on the strategy behind it. Turns out the analytical, problem-solving mindset that engineering drills into you is exactly how good finance works. Finding the smartest path through 30-plus lenders to the one that actually fits your situation.

That's the difference between a bank that sees a "risky" income type, and someone who sees the full picture.

I’m regularly on Youtube on Instagram posting purely educational content, so check it out.

CLIENT RESULTS

Here’s What Our Clients Say!

150+ five-star Google reviews. Here are a few of the stories behind them.

 

THE PROCESS

From first call to keys in hand

We make the process straightforward. No chasing paperwork alone, no guessing what the bank wants. We manage it all.

  • Free strategy call

    We understand your income structure, goals, and timeline. We'll tell you honestly where you stand.

    ~15 MINUTES, VIA ZOOM OR PHONE

  • We build your plan

    We identify the right lenders for your setup and structure your application to show your income the right way.

    STRATEGY-FIRST APPROACH

  • Application lodged

    We handle the paperwork, liaise with the lender, and keep you updated at every step. No chasing required.

    WE DO THE HEAVY LIFTING

  • Approval & settlement

    Conditional approval, then formal approval, then keys. We’ll be there for you during the whole process to confirm everything runs smoothly.

    GUIDANCE THROUGH EVERY STAGE

  • Together for the long haul

    This is just the beginning of our partnership. Our ambition is to help your financial future thrive. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for your changing situation and goals.

    ONGOING SUPPORT

WHY KINGFISHER

There’s a reason we have 150+ 5-star reviews

and ridiculously high approval rates

  • Long-term strategy, not just this loan

    We look at your finances holistically, structuring your loan to also support your future investment goals, not just get you across the line today.

  • Policy experts

    Knowing which of 30+ lenders will look favourably on your income type, structure, and tax returns is genuinely specialised knowledge. This is what we do every day.

  • Education first, always

    We won't push you into a product. We explain your options, the trade-offs, and what makes sense for your situation. So you can make a confident, informed decision.

READY TO FIND OUT?

Stop guessing.

Book a free call and get a real answer.

In 15 minutes, we'll tell you exactly where you stand, your realistic borrowing power, the right lender for your situation, and a clear timeline. No obligation & No BS.

✓ Free 15-minute strategy call via Zoom or phone

✓ Access to 30+ lenders including self-employed specialists

✓ No fee, ever - we're paid by the lender at settlement

✓ Honest advice even if now isn't the right time

Book My 15 Minute Chat

frequently asked questions

 

  • Our services are completely free for you as a buyer. We’re paid by the lenders, not by you. Our role is to help you secure the right loan and set up the right strategy from the very beginning.

    We’re also bound by the Best Interest Duty, which means we have a legal obligation to act in your best interest at all times.

    It’s important to know that banks don’t have the same obligation. They are not required to put your best interests first. That’s why having us on your side makes a real difference.

  • Not necessarily! Depending on your circumstances, you may be able to buy with as little as a 5% deposit by using certain government schemes.

    If you have support from a parent or close family member, they may be able to act as a guarantor, which could allow you to purchase a property without needing a deposit at all.

    And if these options aren’t available, you may still be able to enter the market by paying Lenders Mortgage Insurance (LMI). In some cases, certain professionals can even qualify for an LMI exemption, helping you save thousands.

  • That’s completely fine, many people are in the same boat. This initial consultation helps us understand your goals so we can walk you through both options and what works best for you.

  • Yes, having some debt doesn’t automatically stop you from buying. We’ll look at your full financial picture and show you what’s possible.

    Some lenders have even started excluding HECS/HELP debt for eligble borrowers, giving some people a big boost in borrowing capacity.

  • Once we’ve collected the right information, pre-approvals can often be arranged within a few days. The earlier you start, the sooner you’ll know your buying power.

  • Absolutely! Even if your goal is 6–12 months away (or longer), speaking with a broker early can make a big difference.

    By understanding your borrowing power, the deposit you’ll need, and any government schemes you may be eligible for, you’ll be able to plan and save with confidence. So when the time is right, you’re ready to move quickly.

  • That’s exactly what we help with. Our first chat should give us enough info to calculate some initial figures and give you clarity.

  • Not necessarily. While your declared income matters, many lenders use "add-back" calculations that factor in depreciation, company profits, and other adjustments specific to self-employed borrowers. We know which lenders assess income this way and how to present your financials to give you the strongest possible outcome.

  • Possibly. While some lenders want two years of self-employment history, others will assess applications with much less history. This is exactly the kind of situation the strategy call is designed to assess honestly.