u/Infamous_Accident_86

Hi,

Just wondering if anyone has experience with lenders that are more favourable towards borrowing capacity for employees of non-for-profit organisations who salary package.

I currently work for a NFP and salary package approximately $18k per year in living expenses. This increases my actual take-home pay quite a bit, but because it reduces my taxable income, some borrowing calculators/lenders seem to assess me lower than what I actually earn/spend.

Are there lenders/brokers that properly factor in:

salary packaging benefits,

FBT exempt benefits,

or adjusted net income

when calculating borrowing capacity?

Any help would be great.