Fly-in fly-out workers often earn strong, stable incomes — but a large share can come from allowances and overtime that some lenders discount. Knowing which lenders understand FIFO income matters. General information only.
How FIFO income is viewed
Lenders differ on how much of your overtime, site allowances, and bonuses they'll count. Some take 100% of regular overtime for established FIFO roles; others apply a haircut.
Length of time in the role and the stability of your roster generally influence how income is assessed.
Living and working away
Spending weeks at a remote site is normal for FIFO work and isn't itself a barrier. Lenders mainly focus on the reliability and continuity of your income.
Finding a FIFO-friendly lender
Because treatment varies so much, matching to lenders who understand roster-based income can make a real difference.
Use Scenario Match to see which lenders typically operate in FIFO scenarios like yours.
See which lenders match your scenario
Answer five quick questions — no name or contact details required — for an indicative likelihood and the specialist lenders that typically work with situations like yours.
Run Scenario Match →This guide provides general information only and does not constitute financial or credit advice. gosearch.loans does not hold an Australian Credit Licence and does not assess applications. Always confirm details directly with the lender or a licensed credit professional.