Income Annualisation Calculator

One of the most common reasons first home buyers and students get knocked back by lenders is not because they cannot afford a loan — it is because their income looks irregular on paper. If you work casually, part time, seasonally, or have multiple income streams, lenders calculate your income differently to someone on a standard full time salary.

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Use this free Income Annualisation Calculator to see how a lender is likely to view your income based on what you actually earn across different pay periods. This gives you a clear picture of where you stand before you even walk into a bank or speak to a broker.

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At Brisbane Finance we work with a large number of casual workers, students, graduates, and young buyers who assume their income situation makes it harder to get approved. In many cases they are in a much stronger position than they realise — they just need someone who knows how to present their application correctly to the right lender.

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With access to over 30 lenders we know exactly which ones are most flexible when it comes to casual and irregular income — and how to put your application together in the strongest possible way.

Simply clear the fields and enter your own details to get started.