Complex PAYG income and tight settlement, handled together
Purchase Loan Case study
Location: Not disclosed
Broker: Adam Dufty
Loan Type: Purchase • Principal & Interest
Client: Home purchase with complex income
Client snapshot
These buyers had found their ideal home and negotiated an accepted offer with a shorter settlement period. Their existing broker had told them they probably wouldn’t be able to borrow enough, which was deflating and time‑critical. A mutual friend suggested they speak to Adam before walking away from the property.
The challenge
Our approach
How we worked our magic to help this client.
Carefully analysed the client’s payslips and income history, breaking out each component.
Structured the application to accurately represent ongoing income, not just a snapshot.
Selected a lender whose policy and assessment style suited complex PAYG mining income.
Submitted the application promptly and actively managed it to align with the tight settlement timeframe.
The outcome
The clients were approved for the borrowing amount they needed, settled on time and secured the home they had already fallen in love with. The same income that another broker saw as a barrier became acceptable once it was presented properly and taken to the right lender.
Why this worked
Good outcomes in broking rarely come down to luck. They come from knowing which lenders will look favourably on a specific situation, structuring the application correctly from the start, and moving at the right time. Here's a breakdown of the decisions and conditions that drove this result.
Key takeaways
Every borrower's situation is different, but these outcomes reflect what's possible when the right strategy meets the right broker. Reach out to explore what we can unlock for your scenario.
Complex income doesn’t automatically mean you can’t borrow — it means you need the right strategy.
Allowances, shift loadings and irregular patterns can often be used if they’re presented correctly.
A broker who understands your industry can make a big difference to how your income is viewed.
When settlement timelines are tight, experience and proactive file management really matter.
If your income isn’t “standard” or you’re under time pressure to settle, you don’t have to give up on the property straight away. Hubblit can assess your situation, translate your income properly and work with lenders that understand it.
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