Frequently asked questions

Yes. Many lenders understand the mining lifestyle and are open to FIFO and DIDO workers, but they often need extra proof of stable income. At Miners Finance Group, we know how to present your application the right way, showing lenders your true earning potential and helping you secure approval, even with complex rosters or pay structures.

They do. Contractors are often seen as higher risk because their income can vary. However, with the right strategy, it’s completely achievable. We work with lenders who understand contract work in the mining industry and can help you get assessed on your actual earning history, not just your current contract.

Most miners will need at least a 5% to 10% deposit, depending on the lender and your overall financial situation. Having a strong income from mining can actually help reduce your deposit requirement. We’ll assess your position and help you structure your savings, grants, and lender options to get the best possible outcome.

Absolutely. Working FIFO doesn’t stop you from getting finance, even if your pay comes from interstate or overseas operations. What matters most is showing consistent income and job security. We’ve helped many FIFO workers secure home loans while working in WA, NT, and overseas mine sites.

Yes. Refinancing can help you lower repayments, access better rates, or pay off your mortgage faster. We review your current loan, compare it against leading lenders, and find ways to save, often freeing up cash flow for other goals like investment or debt reduction.

We’re not just brokers, we’re part of the mining community. Our founder, Dyllan, worked in the mining industry for over 13 years before becoming a mortgage broker. He understands the FIFO lifestyle, contractor pay cycles, and how to make finance simple for mining families. That real experience means smarter strategies, faster approvals, and advice that actually fits your life.

The best home loan depends on your income structure, work type, and long-term goals. Miners often benefit from lenders who accept allowances, overtime, and variable income, not just base pay. At Miners Finance Group, we compare dozens of banks and lenders that specialise in helping mining professionals find the right loan with the best possible rate and features.

Banks can only offer their own products, but a mortgage broker like Miners Finance Group has access to a wide range of lenders, including those who understand the mining industry. We do the legwork, compare rates and features, and make sure your application is structured correctly for FIFO, DIDO, or contractor work, giving you the best chance of approval and saving you time and money.

Based in Central QLD, we work with miners from all major mining regions, including the Bowen Basin, Mount Isa, Emerald, Moranbah, and beyond. We offer virtual consultations, flexible hours, and personalised support for FIFO schedules. No matter where you’re flying in from, we make it easy to secure finance that fits your lifestyle and future goals.

Yes, it’s still possible to get approved for a home loan even with bad credit. Many miners have experienced financial setbacks, whether from time off work, contract changes, or unexpected expenses. At Miners Finance Group, we work with specialist lenders who understand real-life situations and can help you rebuild your credit while securing a loan that fits your budget. We’ll guide you through your options and help you get back on track toward owning your home.