Mount Waverley's specialist for tech workers, Monash academics and self-employed buyers — Mount Waverley Secondary zoning, tech RSU income, PAYG+ABN hybrid all use Halo Loan

Not wrong but conservative — classic case of tech compensation being undercounted by big-4 servicing. CBA's standard read: $180k base full + $80k RSU × 50% = $40k + $30k bonus × 50% = $15k = $235k serviceable. The 5 tech-friendly lenders Halo Loan works with (St.George / Macquarie / Bank of China Australia / MA Money / ING) use 'past-24-month actual-vesting average' for RSU + bonus, counting nearly 100%: $180k + $72k RSU + $27k bonus = $279k. The gap: CBA calculates $1.2M borrowable, tech-friendly lenders calculate $1.55-1.65M. Documents needed: 3 years' payslips + 2 years' RSU vesting schedule + 3 years' bonus letters + brokerage monthly statements. Pre-check returns indicative in 48 hours.

Tech job-hopping vs servicing is the most common decline reason in Mount Waverley. Three responses: (1) Wait — lenders generally require 12 months at new employer before counting new base + RSU/bonus history. Safest play is to wait 12-15 months. (2) Lender shortlisting — 3 lenders accept <12-month tenure if trailing employer reference + same-industry continuous employment ≥5 years documented. Rate typically +0.2%. (3) Bridging strategy — if only RSU/bonus history broke but base is stable, hybrid lenders apply 'full base + prior employer's 24-month RSU history × 75%' transitional algorithm. 3 lenders run this. We pull pre-quotes from all 3 at pre-check.

Mount Waverley Secondary's valuation gap is shallower than Glen Waverley's — zoned stock makes up a larger share of total Mount Waverley supply, so the intra-suburb comparables pool is bigger and bank valuers can't get as conservative. Zoned premiums Mount Waverley 8-12% vs Glen Waverley 12-18%; valuer recognition Mount Waverley 5-7% vs Glen Waverley 4-8%. 80% LVR Mount Waverley zoned routinely lands at 76-78%, Glen Waverley zoned at 73-75%. Budget a 5% deposit buffer for either, but Mount Waverley needs less buffer engineering than Glen Waverley.

Monash + IT contractor is the signature Mount Waverley hybrid case. 14 months' ABN sits below big-4's 2-year threshold — route via alt-doc. The 6 hybrid-friendly lenders Halo Loan works with (St.George / Suncorp / MA Money / Bank of China Australia / Bankwest / Bendigo) apply: Monash $130k full + IT contractor $180k × 80% (6-month bank evidence) = $144k → $274k total serviceable. Owner-occupier at 80% LVR, 6.49% rate, 30-year P&I gives ~$1.45-1.55M borrowable. Budget a 5% deposit buffer if buying zoned stock. Documents: 3 months' Monash payslips + IT contract letters + 6 months' AU bank statements + ABN registration.

Workable but manage 3 things: (1) Liquidity timeline — lender needs deposit funds in account before settlement. If ESPP / RSU sits in blackout (around earnings announcements), the sale can't happen on time. Start releasing 4-6 weeks before settlement. (2) Sale CGT — held <12 months attracts no 50% CGT discount, full marginal rate; held >12 months gets the discount. If you can wait past the 12-month mark before selling, you save half the marginal tax. (3) Collateral alternative — 3 lenders accept unsold stock as secondary collateral without forcing sale — fits long-hold strategy. Valuation: market price × 50% concentration risk discount. We model NPV trade-offs across all 3 at pre-check.