If your income doesn’t come in a neat little monthly payslip because you freelance, contract, run a business, or your earnings are just a bit… chaotic - this one’s for you. In this month’s property podcast, we look at five key things to keep in mind when you go to apply for a mortgage when your money is “lumpy,” including what banks actually care about (stability and proof, not perfection), the paperwork that makes lenders take you seriously (income + tax records, accounts, contracts and future work), how to keep business and personal spending clean, what deposit expectations can look like, and how to boost your chances with simple moves like paying yourself regularly and cleaning up high-interest debt. Most importantly: this episode is here to kill the myth that getting a mortgage without a traditional salary is impossible, because it’s not. It’s just a slightly wiggly path, and you can absolutely prepare for it.

Watch our episode with Gabby: ‘A Property Story Gone Wrong’: https://www.youtube.com/watch?v=raE9rKH-Duo&t=1315s

We’re proud to be partnering with BNZ, who know that getting a mortgage isn’t always straightforward, especially if you don’t have the “standard” payslip setup. If you’re self-employed, contracting, freelancing, earning commission, or your income changes month to month, BNZ’s Home Loan Partners can help you understand what you might be able to borrow and what steps to take next. With the right tools and expert support, you can navigate the process with more clarity and confidence - from first search to settlement.

👉 To learn more, head here:

BNZ home loans are subject to BNZ’s lending criteria (including minimum equity requirements), terms and fees. An establishment fee of up to $150 may apply.

Credits:

Hosts: Victoria Harris & Sophie Hallwright

Producer & Editor: Emily Rigby

Social & Digital Manager: Lucy Munro

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Chapters

• 00:00:00 Coming up in this episode...
• 00:00:20 BNZ x The Curve
• 00:01:48 What even is a mortgage?
• 00:10:12 Soph’s mortgage story
• 00:21:00 5 things to keep in mind if you work for yourself & you’re trying to get a mortgage
• 00:24:09 1: Why it feels harder when you work for yourself
• 00:27:38 2: What banks actually need to see
• 00:36:51 3: The actual paperwork the bank requires
• 00:42:43 4: What deposit is needed?
• 00:47:02 5: What will help you get approved?
• 00:51:42 Final thoughts
• 00:54:41 Thank you for listening to the property podcast!
• 00:56:16 Financial Disclaimer

Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.