FIFO Home Loans for Fly-In Fly-Out Workers in Perth and Mandurah
Your income looks good on paper. Some banks look at your roster, your overtime and your contract and get nervous anyway.
Andy has worked with FIFO workers across WA for years. He knows which lenders assess FIFO income properly and how to present your application so it gets a fair look.
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
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For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
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Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
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Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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Let's Chat
Complete the form below and Andy will be in touch to discuss your finance needs.
Home and Investment Loans FIFO Workers Ask About
First Home Buyer Home Loans
Andy's been helping Perth and Mandurah first home buyers since 2000—plain-English walkthroughs of every loan document, real deposit guidance, and…
First Home Buyer Home Loans →
Next Home & Upgrader Loans
Moving from your first home to your next? Andy helps Perth families structure upgrader loans, use equity, and manage timing—plain…
Next Home & Upgrader Loans →
Investment Home Loans
Investment property loans in Perth and regional WA, explained by a broker who's been working with property investors since 2000.
Investment Home Loans →
Owner-Builder & Construction Loans
Andy arranges construction and owner-builder loans for Perth families managing their own build or working with a registered builder. He…
Owner-Builder & Construction Loans →
Motor Vehicle Finance
Finding the right vehicle loan doesn't have to be hard.
Motor Vehicle Finance →We Query Over 30 Lenders to Find an Outcome That’s Right for You
Why FIFO Income Trips Up Some Lenders
Most FIFO workers earn a solid income. The trouble is not the money, it is how some lenders read it.
A few lenders shade or leave out overtime and allowances altogether. Others get cautious about fixed-term or labour-hire contracts, or want extra proof if you are still on probation.
If your income moved around between swings, or you took unpaid leave, it can look inconsistent on paper. That does not mean anything is wrong, it is just normal for FIFO work.
None of this means you cannot get a loan. It usually means the lender’s policy does not fit your income shape, not that your income is the problem.
How Lenders Look at Your Roster Income
Lenders usually break your income into parts: base salary, overtime and penalties, site and travel allowances, and any bonuses.
Full roster cycles matter. A lender wants a consistent pattern across your swings, not just one or two good payslips.
A clear employment contract that spells out your roster and pay structure makes the assessment easier for everyone.
| Income type | What lenders usually want to see |
|---|---|
| Base salary | Payslips, employment contract |
| Overtime and penalties | A consistent history across full roster cycles |
| Site and travel allowances | Evidence they are regular and ongoing |
| Bonuses | History of payment, often over two years |
Every lender’s policy differs, which is why the lender choice matters.
FIFO Situations Andy Helps With
New to FIFO or Still on Probation
Starting a new FIFO role does not rule you out. Some lenders will consider your application once you have a signed contract and a payslip or two, even before probation ends.
Fixed-Term, Labour-Hire or Casual Rosters
Contract and labour-hire work is common in FIFO. Andy knows which lenders are comfortable with these arrangements and what they need to see.
Moved to an ABN or Day Rate
Gone from a payslip to invoicing as a contractor? That changes how your income is assessed. See our self-employed and low doc home loans page for how this works.
Changed Contractors or Employers
A recent change does not have to reset the clock. Andy will tell you what a lender needs to see to bridge the gap.
Unpaid Leave Between Swings
Time off between rosters is normal for FIFO work. Andy presents this in context so it does not read as a gap in employment.
Working Interstate or Overseas
Fly in fly out to an interstate or overseas site? Andy arranges home loans for WA based borrowers on these rosters too.
Couples Where One Partner Is FIFO
Andy combines both incomes and works around whichever partner is home to get paperwork signed and questions answered.
Home Loans for FIFO Workers
Whether you are buying your first home, upgrading, refinancing or building, Andy arranges the finance and manages the process while you are rostered on.
As a first home buyer, you may be eligible for WA government support such as the Home Guarantee Scheme or a Keystart loan, both of which can reduce the deposit you need.
Keystart’s Low Deposit Home Loan currently has income limits of $155,000 for singles and $228,000 for couples or families, with a property price cap of $860,000. FIFO workers based in the Pilbara or Kimberley may qualify under higher regional income limits.
The federal Home Guarantee Scheme lets eligible buyers purchase with as little as a 5% deposit and no lenders mortgage insurance. Income limits were removed from 1 October 2025.
You need to be a first home buyer, or not have owned property in Australia in the past 10 years, and the home must be owner occupied. The WA property price cap under this scheme is $850,000.
Eligibility and limits can change, so Andy will confirm what applies to you and whether Keystart or the federal scheme suits your situation better.
He also arranges next home, refinancing and construction loans for FIFO workers, and first home buyer loans if this is your first purchase.
Investment Property Loans for FIFO Workers
FIFO income is often strong enough to build an investment property portfolio, not just buy one home.
Andy structures your loans so your cash flow is protected if your roster changes, your contract ends, or you move between employers.
Buying while you are on site is straightforward. Andy manages the lender communication and keeps you updated by phone or video on your days off.
If you already own a home, you may be able to use your equity to fund the next purchase without touching your savings. If this would be your first investment property, our first home and first investment property loans page covers how that works too.
Structuring an investment loan properly also has tax implications. Andy will talk you through the finance side, and recommends you discuss the structure with your accountant as well.
See our investment home loans page for more on how investment finance works.
Car and Vehicle Finance for FIFO Workers
Need a reliable vehicle for the drive to the airport, or something for your time on R&R? Andy also arranges vehicle finance.
This covers utes, 4WDs and everyday cars, whether you are PAYG or working under an ABN.
See our motor vehicle finance page, or if you are contracting, car loans for self-employed workers.
Getting Your Loan Done While You're on Swing
You do not need to be home to get your finance sorted. Here is how it works.
Secure document upload
Send your payslips, contract and ID through a secure online portal, wherever you are.
A call or video chat on your days off
Andy fits calls and video chats around your roster, including on R&R, so nothing has to wait for you to be home.
Digital signing and settlement
Where your lender allows it, documents are signed digitally. Andy manages the lender and settlement even while you are on site.
Documents to Have Ready
Having these ready speeds things up.
- Recent payslips covering full roster cycles
- Your employment contract or a letter confirming your role, roster and income
- Your latest ATO income statement or tax return
- Recent bank statements
- Identification
- For contractors: tax returns, BAS and invoices
Andy will tell you exactly what your lender needs before anything is submitted.
Why FIFO Workers Work With Andy
Andy has worked with FIFO clients for years and understands rosters, contracts and how lenders read them.
You deal with Andy directly. No call centre, no junior processing your file while someone else answers your questions.
He explains every document in plain English, and looks at your whole position, not just what pays the most commission.
Andy works with FIFO workers across Mandurah, the Peel region, Rockingham, Baldivis and the wider Perth metro area. See all the areas we service on our locations page.
Reviewed By
Credit Representative & Mortgage Broker · Dip. FMBM
Andy reviewed this page to make sure the FIFO lending information is accurate and genuinely reflects how these loans are arranged in Western Australia.
FIFO Home Loan FAQs
Yes. Most lenders will consider FIFO income, though policies vary on how they treat overtime and allowances. Andy compares lenders so your application goes to one that assesses your income properly.
Many do, though how much they count and how much history they want to see varies by lender. Andy knows which lenders take a sensible approach to FIFO pay structures.
It is possible with some lenders once you have a signed contract and at least one or two payslips. Andy can tell you which lenders will consider your situation.
It can, but it does not rule you out. Andy will explain what a lender needs to see to bridge a recent change in employer or contractor.
This depends on the lender and your overall situation, the same as any other borrower. Andy will run through realistic deposit requirements for your circumstances in your first conversation.
Yes, and strong FIFO income can support building a property portfolio over time. Andy structures loans to help protect your cash flow if your roster or contract changes.
Yes. Andy arranges home loans for WA based borrowers who fly in fly out to interstate or overseas sites.
Yes. Documents are handled through a secure portal, calls and video chats fit around your roster, and where your lender allows it, signing is done digitally.
In most cases Andy is paid by the lender, not by you, and he will explain exactly how before you go ahead.
No. Andy works with FIFO workers across Mandurah, the Peel region and the Perth metro area, wherever you call home.
