Can I Get a Home Loan? — Eligibility Guide Australia (2026)
Most Australians can access a home loan — but eligibility depends on your income, credit history, deposit, employment type, and the specific lender’s policies. This hub answers the question for specific situations.
How Lenders Assess Home Loan Eligibility
Australian lenders assess home loan applications across five key areas:
| Assessment area | What lenders check |
|---|---|
| Income and serviceability | Can you afford the repayments? (Assessed at a buffer rate — typically the loan rate + 3%) |
| Credit history | Do you have defaults, judgements, or a poor repayment history? |
| Deposit and LVR | How much deposit do you have? (Affects LVR and LMI requirements) |
| Employment and stability | Are you employed and how stable is that employment? |
| Property type and location | Is the property acceptable security? |
Choose Your Situation
- Can I Get a Home Loan With Bad Credit?
- Can I Get a Home Loan If I’m Self-Employed?
- Can I Get a Home Loan With No Deposit?
- Can I Get a Home Loan on Casual Work?
- Can I Get a Home Loan at 50?
- Can I Get a Home Loan at 60?
- Can I Get a Mortgage If I’m Retired?
- Can I Get a Home Loan on a Single Income?
- Can I Get a Home Loan While on Maternity Leave?
- Can I Get a Home Loan as a New Immigrant?
- Can I Get a Home Loan After Bankruptcy?
- Can I Get a Home Loan While on Centrelink?
- Can I Get a Home Loan With a Credit Default?
- Can I Buy a House With Student Debt (HECS)?
Related Guides
- Mortgages Hub
- How Much Can I Borrow in Australia?
- HECS and Home Loans — Does Student Debt Affect Borrowing?
This hub provides general information about home loan eligibility in Australia. Lending criteria vary by lender and change over time. Speak with a licensed mortgage broker for advice tailored to your situation. Find one through MoneySmart.