Purchase a new property or refinance an existing home loan
Apply with payslips, tax returns or accountant's declaration
Suitable for salaried, ABN and contract-based income
Simple, digital application with personalised lending support
Our dedicated team of local Loan Consultants is here to help you
An IT professional mortgage is a home loan suited for tech-sector workers, including IT contractors, consultants, developers and software engineers. These loans account for the varied ways income is earned in the technology industry, whether through salaried roles, fixed-term contracts, freelance ABN work, or day rates. Whether you're buying your first home, refinancing to consolidate debt, or upgrading your property, Yard offers flexible home loan solutions tailored to your employment type and income structure.
Working in tech? We get it. Yard understands the unique income structures of IT professionals whether you're contracting, freelancing or consulting through an ABN. If you don’t have a long employment history or standard payslips, we offer tailored home loan options using alternative documentation like accountant's letter or business activity (BAS) statements.
If you're earning a strong income but don’t meet traditional lending criteria, a specialist IT mortgage may be right for you.
Every IT Professional’s situation is different, which is why we can consider a variety of income verification documents:
Salaried employees: 2 most recent payslips and bank statements
Contractors: payslips, a copy of current contract and contract history
Self-employed: depends on your business structure, we typically require personal tax returns and company tax returns (if available)
Self-employed without tax returns: we offer flexible income verification options (e.g. accountant's letter and business activity statements)
Our team will guide you on the best combination of documents depending on the nature of your employment, how you generate income, and your overall work history.
Flexible solutions to help with your owner-occupied or investment property purchase.
We can help you refinance an existing loan from another lender to obtain a better interest rate, access new loan features or restructure your current mortgage.
We can assist with debt consolidation including personal debt, business loans and ATO debts.
You can release equity from your property to do renovations, purchase another property or for business purposes.
We’ll help you find a loan that fits your circumstances and supports your long-term goals.
Pros
Competitive rates for eligible applicants
Ideal for self-employed borrowers
Faster application and approval process
Cons
May attract higher interest rates depending on your available income documentation
Loan options may have tighter eligibility criteria
Lenders Mortgage Insurance (LMI) could apply if you have less than 20% deposit
Market leading Principal & Interest and Interest Only rates for owner-occupiers and investors
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Our loans have all the bells and whistles - online access with redraw, early repayment and offset functionality
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We can help you purchase, refinance, consolidate debts or release equity/get cash out from your property.
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Simple smarter journey to financing, online application - complete anytime, from any device
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Yes. Yard specialises in home loans for IT professionals with ABN, contract or freelance income. We can assess self-employed income using tax returns where available, and consider a range of ABN lengths depending on your circumstances. Where tax returns can’t be provided, we offer flexible income documentation options such as accountant letters, Business Activity Statements (BAS) or business bank statements.
While we typically look for time spent working in the industry, we assess each application on its own merits. If you're a full-time permanent employee with no prior experience, we may consider your application once your probation period has ended. For self-employed applicants, we generally prefer at least two years of relevant industry experience, but flexible options may be available depending on your overall personal and financial situation.
If you're a salaried employee or contractor, you'll typically need to provide recent payslips. If you're working under an ABN, we can review tax returns, business activity statements (BAS), business bank statements or accountant letters.
You may be able to borrow up to 90% of the property value depending on your financial situation and documentation.
Yes. We offer a range of refinancing solutions tailored to IT professionals, whether you're a salaried employee, contractor, or self-employed. Refinancing can help you secure a more competitive interest rate, reduce your monthly repayments, consolidate existing debts, or unlock equity in your home to fund renovations or investments. Our team can assess your situation and guide you through a refinancing option that fits your needs based on your employment structure and income type.
Yes. At Yard, we understand that many IT professionals - such as contractors, consultants, and freelancers - may not have consistent month-to-month income. We assess your overall income pattern, not just recent payslips, and offer flexible documentation options including tax returns, ABN income verification, contract agreements, and business bank statements. Whether you’re earning through day rates, fixed-term contracts or project-based work, we may be able to help you secure a home loan.
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