All income types should be considered when applying for a home loan. Different lenders may not accept some types of income or may only accept a lesser percentage of certain income types.

Some types of income to declare are as follows.

• PAYG income, wages or salary permanent full-time employment 2 years +
• PAYG income, wages or salary permanent part-time employment less than 1 year
• PAYG income, wages or salary permanent part-time employment less than 2 years +
• PAYG income, wages or salary permanent part-time employment 2 years +
• PAYG income, wages or salary permanent casual employment less than 1 year
• PAYG income, wages or salary permanent casual employment less than 2 years +
• PAYG income, wages or salary permanent casual employment 2 years +
• PAYG income, wages or salary permanent second job less than 1 year
• PAYG income, wages or salary permanent second job less than 2 years +
• PAYG income, wages or salary permanent second job 2 years +
• PAYG income, wages or salary overtime 12 months history
• Self employed directors salary or dividends
• Self employed depreciation
• Self employed net business profit
• Self employed net business loss
• Family Allowance Part A
• Family Allowance Part B
• Pension
• Investment rental income current
• Investment rental income proposed
• Investment income other
• Maintence payments recieved
• Other taxable income
• Other non taxable income
• Negative gearing benefit

Next the actual details of the property to be purchased or refinanced are required.