Lifte Loans

A lot of people in casual or contract work assume they just have to wait. Get a permanent job first, then apply.

That’s not always true.

The question most lenders are actually trying to answer isn’t “what does your contract say.” It’s “is this income real and is it going to keep coming in.”

If you’ve been in the same role for a while, working consistent hours, in the same industry - that tells a story. Some lenders read that story well. Others don’t look past the employment type.

That gap between lenders is often the difference between a yes and a no.

If you’ve been waiting to apply because you’re not permanent, it might be worth finding out if you actually need to wait at all.

Book in → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

Most people don’t think about finance until they have to.

A loan falls due. A property comes up. A business needs cash. And suddenly you’re Googling rates at 11pm wondering if you’re making the right call.

That’s usually when we get the call too.

But the clients who end up in the best position aren’t always the ones who came to us at the right time. They’re the ones who came to us early enough to actually plan.

Because here’s what most people don’t realise until later - the loan you get matters less than how it’s structured. The lender you choose matters less than whether that lender fits your actual situation. And the rate you start with matters less than whether your finance is set up to grow with you.

At Lifte Loans we work across home loans, investment lending, business finance, SMSF and commercial - but the way we approach every single client is the same.

We start with where you’re trying to get to. Not just what you need to borrow today.

Whether that’s buying your first home in Brisbane, building a property portfolio, funding a business, or just figuring out if you’re in the right loan right now - that’s the conversation we’re here for.

If you’ve been meaning to get your finance looked at properly, this is a good place to start.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

Starting a business doesn’t automatically mean you need to wait two years before buying a home or investment property.

Some lenders will consider a shorter trading history if you can clearly show your income is genuine, consistent, and ongoing.

Every situation is different, though if you’ve been putting plans on hold simply because your ABN is new, it may be worth exploring your options sooner than you think.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

If you work in emergency services - paramedic, nurse, police, firefighter - overtime is often baked into your role, not a bonus on top of it.

Most lenders only count a portion of overtime income because they treat it as inconsistent. But for rostered essential workers, that overtime is often just as reliable as base pay - and some lenders recognise that, counting more of it toward what you can borrow.

This depends on the lender’s specific policy and how your income is documented, not your job title alone.

If you’ve been given a borrowing number based on standard treatment of your overtime, it’s worth getting a second opinion.

Get in touch and we’ll go through your numbers properly: lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

There's a question I ask every client before we even open a calculator.

"What does this property need to do for you?"

Getting into a house and land package isn't just a finance decision.
The land, the location, the build - they all shape whether it actually works for your situation long-term.

I help clients think through both sides - the finance and the property.
That's what a property journey looks like when it's done properly.

Book a chat → lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209

More Brisbane buyers are looking at house and land packages right now - and there are a few reasons why.

Fixed pricing. No auction stress. You know what you’re paying from the start.

Stamp duty on the land only. With most H&L packages in Queensland, you don’t pay stamp duty on the build - just the land. That’s a meaningful saving compared to an established property at the same price.

For investors - the May 2026 Federal Budget restricted negative gearing on established investment properties purchased after budget night. New builds are fully exempt. The tax treatment for new builds has actually strengthened.

And for first home buyers in QLD, eligible contracts from 1 May 2025 attract $0 stamp duty on new homes and H&L packages.

The most common thing I see is people assuming they’re not in a position to move. Usually, one conversation changes that.

If you’re thinking about it, start here - link in bio or:
lifte.com.au/finance-enquiry

Jolly Dua | Credit Rep No. 531734 | National Mortgage Brokers ACL 391209



Jolly Dua, CRN 531734 | Lifte Loans | Australian Credit Licence 391209 (National Mortgage Brokers)