Background photo: a genuine FIFO worker accommodation corridor (dongas) on site at night.
SPECIALIST FINANCE FOR FIFO WORKERS
Home finance that works around your roster
You work hard for your income. You should not have to spend your R&R chasing banks, paperwork or properties. FIFO Finance helps you secure suitable finance and, if you choose, source an investment property, with a streamlined service designed around FIFO life.
Jordan, one of our founding partners, and his dad Michael, the husband of the other founding partner.
WHY FIFO FINANCE
Built by people who understand what FIFO work makes possible, and what it asks of you
One of our founding partners spent more than three years working FIFO. He used that time to save a deposit and buy his first home. Another partner has spent over 13 years with a husband who works FIFO, so they know how much the lifestyle asks of the whole family: the time apart, the changing rosters and the R&R that goes by too quickly.
Those experiences shaped FIFO Finance. We've helped hundreds of FIFO workers navigate their finance, and we understand that buying a home is often part of a bigger plan. It can be a step towards building wealth, feeling financially secure and, one day, having the choice to spend more time at home with the people you love.
We've built our service around your life on and off site. That means clear guidance, communication that works around your swing and practical help making the most of the income you've worked hard to earn.
Specialist lender knowledge
We understand how roster income, allowances and overtime can affect a home loan application. We help present your circumstances clearly and find lenders whose policies suit the way you earn.
Communication that works around your roster
Night shift, limited reception or precious R&R time? We can keep in touch by SMS, email or a call at a time that works for you.
You've put in the hours away from home. Let's help you turn that hard work into a future you're working towards.
What are you working towards?
Buying your first home
Understand your position and move towards pre-approval with confidence.
Buying your first home may be more achievable than you think. Several government schemes, first-home-owner grants and stamp-duty concessions may help reduce the deposit and upfront costs required. Depending on your circumstances, there may also be low-deposit, or even no-deposit, lending options available, including government-supported and family-guarantee solutions.
Understanding what you qualify for can feel overwhelming, especially when FIFO income, allowances and overtime are involved. FIFO Finance will assess your position, explain your eligibility and compare suitable options to help you find the right pathway into your first home. Call us today: you may be closer to owning your first home than you realise.
Ask about buying your first homeBuying your next home
Coordinate lending around your sale, equity and future needs.
Ready to upgrade, relocate or find a home that better suits your next stage of life? We understand that FIFO income, overtime, allowances and roster arrangements can be assessed differently by each lender. We'll review your circumstances, borrowing capacity and available equity, then help identify a suitable finance option for your next purchase.
With appointments around your roster, a streamlined application process and support from start to settlement, we take care of the legwork so you can protect your R&R time. Call FIFO Finance today to discuss your next move and find out what may be possible.
Ask about buying your next homeRefinancing
Review whether your current loan remains competitive and suitable.
Your current home loan may no longer be the right fit. Refinancing could help you secure a more competitive interest rate, reduce repayments, consolidate debts or access equity for your next property. Because lenders assess FIFO income, overtime and allowances differently, choosing the right option can make a meaningful difference.
FIFO Finance compares suitable loans across our lender panel and manages the refinancing process around your roster, from reviewing your current loan to settlement. Call us today for a home-loan review and find out whether refinancing could put you in a better financial position.
Ask about refinancingAsset finance
Finance for cars, utes, bikes, boats and other essentials or toys.
Work hard and ready to enjoy the rewards? FIFO Finance can help arrange finance for cars, utes, motorbikes, boats, jet skis, caravans and more, whether it's essential for work or one of the toys that makes your R&R even better.
We'll compare suitable options, manage the paperwork and work around your roster, saving you the time and hassle of approaching lenders yourself. Tell us what you're looking to buy, and we'll help get the finance moving.
Ask about asset financeInvestment property sourcing
Help defining a brief, researching suitable opportunities and coordinating the purchase process.
Want to build wealth through property without spending your valuable R&R researching markets, comparing locations and searching through endless listings? Our investment property sourcing service takes care of the time-consuming work for you. We'll understand your goals, budget and investment strategy, then research and identify suitable property opportunities aligned with your financial position.
From finance through to finding the right property, FIFO Finance provides one coordinated service, so you can keep building your future without sacrificing your time off.
Ask about property sourcingDebt consolidation or equity access
Explore whether restructuring is appropriate for your objectives.
Juggling credit cards, personal loans and vehicle or recreational loans can make managing your finances unnecessarily complicated. Debt consolidation may allow you to combine multiple debts into one manageable repayment, potentially reducing your monthly commitments, improving cash flow and making it easier to stay in control while working away.
FIFO Finance will review your current debts and home loan to determine whether refinancing and consolidation may be suitable. Call us today for a confidential review and find out whether consolidating your debts could simplify your finances.
Ask about debt consolidationYou make the decisions. We handle the legwork.
Tell us what you want to achieve
Start online or schedule a short call at a time that suits your roster.
We assess and compare
We review your income, commitments and goals, then identify suitable lending options from the available panel.
We manage the application
We coordinate documents, lender questions and updates through to settlement.
Our happy clients Darren, Kylie and kids in front of their second investment property.
FINANCE + PROPERTY, TOGETHER
Want to invest without spending your R&R searching for property?
Many FIFO workers want to turn strong earning years into long-term wealth, but researching markets, comparing properties and coordinating finance takes time. FIFO Finance can combine lending support with an optional property-sourcing service, giving you a more coordinated path from borrowing strategy to potential purchase.
Define the goal
What you want your finance and property strategy to achieve.
Confirm the finance position
Understand what's realistically available to you.
Establish the property brief
Set the criteria for what we're looking for, and where.
Source and assess opportunities
Research and shortlist properties that fit the brief.
Coordinate the purchase
Bring lending and purchase together through to settlement.
What our clients say
Swipe or use the arrows to read more reviews.
Frequently asked questions
Lending criteria, assessment and timeframes vary by lender and application.
It depends on the lender and how the income is documented. We help identify which of your allowances and overtime are likely to be recognised, and by which lenders, based on your specific payslips and contract.
Often, yes. Options vary by lender and by your individual circumstances. We'll talk through what's realistic for your specific employment situation.
Typically payslips, identification, bank statements and details of any existing debts. Exact requirements vary by lender and by loan type. We'll give you a specific checklist once we understand your situation.
Our process is designed to work digitally wherever possible, with document upload and e-signing options.
Yes. Tell us your roster and preferred contact method (SMS, email or call) and we'll work around it, including your R&R dates.
Yes, with your consent we can keep a nominated partner informed and involved in updates while you're on site.
Our mortgage broking service is typically completely free to you as our clients, as we receive our commission payments directly from the lenders once your loan successfully settles. We maintain complete transparency throughout the entire process by clearly explaining all potential costs upfront and ensuring you have a full understanding of any fees or charges before we proceed with your application.
GET STARTED
Get your finance moving without giving up your time off
Tell us what you are working towards, your roster and the easiest way to reach you. We will help you understand your position and the next practical step. Prefer to lock in a time yourself? You can do that too, or just leave your details below and we will call or text you instead.
No need to book a fixed time if that doesn't suit. The form here is just as good. Tell us to call, text, or email and we'll work around your roster.
