From Subcontractor to PAYG? Some Lenders Prefer It That Way
Switching from ABN to PAYG often signals greater income stability - and some lenders actually see that as a positive.
Why This Switch Can Be a Good Thing
If you've recently gone from ABN subcontractor to full-time PAYG - and it's within the same company - you're likely seen as more stable by some lenders. But other may still apply a "new job probation" rule.
We partner with experienced brokers who understand this specific transition and assess the full story to ensure a fast and easy approval from the lenders.
Why Lenders Like This Profile
Same company and duties = strong employment continuity
ABN history shows prior income strength
PAYG provides regular, verifiable income
Less perceived risk than other "new job" applicants
Likely not subject to full 3 or 6-month probation scrutiny
