Get the Home Loan Your Income Deserves — Even on a FIFO Roster

Alot of lenders don't know how to read a FIFO payslip. We do. We find lenders who count your allowances, overtime, and roster income — so you can borrow what you've actually earned.

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TESTIMONIALS

What others are saying

For People Who Deserve a Home Loan Built Around Their Life

First Home Buyers

Refinancers Chasing a Better Rate

Property Investors

High Earners with Complex Income

Fly-In Fly-Out & Remote Workers

Anyone Who's Been Told No BY a BANK Before

STILL NOT SURE?

Frequently Asked Questions

Here's what we usually get asked

How much can I borrow?

It depends on your income, expenses, and deposit. Book a free chat and we'll give you a real number based on your actual situation — no guessing.

How much does it cost to use a mortgage broker?

Nothing. Our service is completely free to you — we're paid by the lender once your loan settles.

Can I get a home loan on a FIFO income?

Absolutely. FIFO income is great for borrowing — the key is finding the right lender who knows how to assess it. We work with lenders who understand rosters, allowances, and site-based pay structures.

Do lenders count my allowances and overtime?

Many do, but not all. Site allowances, living-away-from-home allowances, and overtime can all count toward your borrowing capacity with the right lender. We know who's FIFO-friendly.

How long does the process take?

Once we have everything we need, pre-approval can come through within a few days. We'll walk you through exactly what's required so there are no surprises.

What's the difference between a broker and going straight to a bank?

A bank can only offer their own products. We compare across many lenders to find the best fit for your goals, income, and timeline — then do all the legwork for you.

I work away for weeks at a time — can I still apply?

Yes! We work around your roster. Everything can be done remotely — phone, email, or video call. You don't need to be in Perth or sit in an office.

I'm not sure if I'm ready yet — is it too early to reach out?

Never too early. The sooner we chat, the more time we have to get everything in order before you apply. No pressure, no obligation.

I've been knocked back by my bank — can you still help?

More often than not, yes. Banks have strict criteria and can only offer their own products — if you don't fit their exact mould, they'll say no. But that's just one lender. We have access to a wide panel of lenders, each with different policies and appetites. What one lender won't touch, another will look at differently. Getting knocked back by your bank is not the end of the road — it's just a sign you need the right broker in your corner.

How We Get You Approved

We Listen First

Tell us about your income, your goals, and your timeline. No forms, no pressure — just a real conversation so we understand exactly what you need.

We Do the Research

We compare lenders across the market to find the ones that suit how you earn and what you're trying to achieve

We Get It Done

We handle the paperwork, liaise with the lender, and keep you updated every step of the way

MEET THE FOUNDER & CEO

Hey, I'm Debra

I started Spice Finance because I saw too many hardworking people — including FIFO workers — getting knocked back or undersold by lenders who didn't understand their income. I'm here to change that. Real talk, real results — I'm in your corner from first chat to settlement and beyond.

Mortgage broker with over 18 years of experience across home loans, refinancing & investment lending

Specialist in FIFO and non-traditional income structures

Based in Perth, helping FIFO workers and homebuyers right across Australia