Income Continuity Evidence
How lenders verify that income is ongoing and likely to continue — the documentation, history, and continuity evidence required before income can be fully recognised.
Core Assessment Analysis
Mainstream banks have a hard rules: if you are on a probation period in a new job, they will reject your application. However, select lenders will override this probation exclusion if you can prove at least 12 to 24 months of continuous history in the same industry. Understanding which lenders have relaxed postcode/security policies prevents automatic declines.
Why Underwriters Focus Here
Probationary periods allow employers to terminate contracts without notice, creating high risk of sudden income loss.
Key Outcome Assessment Factors
Industry continuity duration, whether your new role is contract or permanent, and prior PAYG histories.
You are reading this now
Model Mortgages explains the lending mechanics behind the topic above.
Structur ↗
Map how these mechanics apply to your specific borrowing position.
3 — ApplyFinance on the Coast ↗
Specialist mortgage broking — licensed credit assistance.
Continuous PAYG history is key to proving employment character.
Model Mortgages Pty Ltd | Australian Credit Licence 387460
Continue building your understanding