How The Banks Treat Maternity Leave

Can you buy a home while you’re on maternity leave? Yes, but most people have no idea how banks actually assess your income, job history, or borrowing capacity when you’ve just had a baby. In today’s video, we break down exactly how home loans work during maternity leave in Australia, what lenders look for, and the biggest mistakes new parents make when trying to buy a home. If you’re Googling “Can I get a home loan on maternity leave?”, “borrowing capacity after having a baby”, or “how banks treat maternity leave income”, this video gives you the full step-by-step clarity you need. We cover: • How banks assess your income when you’re on maternity or parental leave • What documents lenders ask for • Why job history matters and what counts as “returning to work” • How long you need to be employed before maternity leave • What lenders actually want to see in your return-to-work letter • Can you buy your first home with a newborn? • Real examples from clients in this exact situation This is the most complete maternity-leave home loan breakdown you’ll find online (especially if you’re a first-home buyer in Queensland). CHAPTERS 00:00 Can you buy a house during maternity leave? 00:34 How the banks see it 01:05 Return to Work Salary Letter 01:45 What If I Work Casual on Maternity Leave 02:25 Real World Example 02:52 Why you should come see us For more information visit https://www.madd.com.au/ DISCLAIMER: These videos are NOT personal advice; these are general information videos and should not be taken as advice for your personal situation. If you want personal advice, you should speak to a qualified financial planner about your personal situation. For home loan enquiries: https://www.madd.com.au/contact/ For financial planning enquiries: https://www.madd.com.au/madd-life-con... Get in touch with George here: https://www.georgesamios.com/ Madd Loans Brisbane Mortgage Broker 12 The Corso, Seven Hills, QLD 4170 07 3899 0009 save@madd.com.au Not all Mortgage Brokers and Financial Planners are the same. At Madd, we focus on the journey not just the destination, giving our customers a Madd experience every time. We stand out as one of Australia’s leading mortgage brokerages because we prioritise educating and mentoring our clients on effective strategies to reach their version of financial freedom. Navigating home loans whether you are investing, buying your first home or refinancing, can be daunting. Skip the stress and complexity of dealing directly with lenders by partnering with a Madd Mortgage Broker.