Helping Not-For-Profit Workers

Not-for-profit workers

Can you get a home loan if you work for a Not-For-Profit Organisation?

If you are worried that you might not get home loan approval because you work for a non profit organisation when applying for a mortgage, we are here to help!

Charity workers in Australia are in an advantageous position to get a mortgage and can actually save money in the process as an employee of a  not-for-profit organisation (NFP). The key is working with an expert mortgage broker who knows exactly what you need to get that home loan approval.

You might be asking… how can I save money with a home loan?

How is that so? As an NFP employee, you can salary sacrifice at a higher rate than government and private sector employees when you use pre-tax dollars to service your mortgage repayments or other allowed expenses.

Not for profit organisations Australia may be less able to offer you financial perks in the job due to strict budgets and less available “bonus” funds compared to private companies, but salary sacrificing  is a great perk available to non profit organisations. Salary sacrificing allows you to have all or some of your selected expenses (e.g., mortgage repayments, car finance, or other types of living expenses) deducted as part of your pre-tax income AND pay less tax at the same time. 

This makes it feasible for you to not just have better organisation of your household budget payments: you also have more money in your pocket each pay due to lowering your taxable income. This “extra” can also be used to pay extra repayments on your mortgage, saving you thousands of dollars across the life of your mortgage.

There are lenders that are willing to work with NFP workers to make homeownership possible. With a little research and help from dedicated mortgage brokers, non profit workers can find the financing they need to purchase a home.

 

What is a not for profit organisation Australia?

There are many types of not for profit organisations in Australia, but some of the most common ones include charities, social enterprises and mutual societies.

Not for profit (NFP) organisations can be worker-owned or community-owned, and they work to benefit their members or the community as a whole rather than shareholders. They’re often smaller and more agile than traditional businesses, and they often have a higher social impact.

Australia has about 600,000 not-for-profit organisations. They play a critical part in the country’s economy.

Not for profit Org
Not for profit worker

Can a non profit worker get a mortgage?

The answer is yes! Employees at not for profit organisations can be considered for a home loan provided they have a good credit history and evidence of genuine savings. 

There are a few things to consider when it comes to getting a mortgage as a non-profit worker:

  • proof of income and debt-to-income ratio
  • evidence of your personal debt (ideally it will be very minimal);
  • an upstanding credit history
  • proof of savings for your deposit (your good rental history can be considered part of your genuine savings)

Q Financial services ALL kinds of workers for not for profit organisations

At Q Financial, we pride ourselves on working with a wide range of clients, including non-profit workers. Our mission is to help NFP employees feel confident in getting approved for a home loan and we have access to a range of lenders we can match you with for the right home loan for your circumstances. 

Any not for profit workers are a good fit for us. 

The key benefit for employees at non for profit organisations is that they can salary sacrifice and access tax savings every pay cycle which allows us to get them higher borrowing power and help them pay their loan off sooner. 

In addition, this benefit is available only with selected lenders as most lenders do not allow adding the tax-free income in a tax-free field in the borrowing capacity calculator. Fortunately, we have access to such lenders — so you can feel secure in knowing that you’re getting the best deal possible on your home loan and enjoy the peace of mind that comes with knowing that you’re taken care of by experts in the field.

If you are a NFP employee looking for the best home loan option possible for your unique circumstances, we are the mortgage specialists for you!

How we are different

At Q Financial, we pride ourselves on working with a wide range of clients, including non-profit workers. We understand that NFP employees may have doubt around being able to get a mortgage for a number of reasons but, we love helping members of our community who help others – and we do our utmost to match you with the right lender and right home loan for your needs.

Our goal is to provide non-profit workers with the same high level of service and support that we provide to all of our clients. If you’re working for non for profit organisations and looking for a mortgage, we encourage you to give us a call today. We’ll be happy to discuss the steps with you and help you find the best mortgage for your needs.

Access to ‘salary sacrifice’ friendly lenders.

Not all lenders offer benefits to NFP workers. We have built long-term relationships with lenders that offer salary sacrifice benefits.

Shorten your loan term

Yes, we want to help you buy your home – and, you’ll learn strategies to pay it off years sooner without increasing your current repayments.

No LMI for 85% LVR

We can also add in 85% no LMI, that's no lender’s mortgage insurance payable for just a 15% deposit when most lenders need a 20% deposit.

Get a quick approval

Some lenders are taking weeks simply to assess an application. For a quick approval for a purchase or to meet a finance clause, we can get approvals in just 48 hours!

Award-winning brokerage

In 2018, 2019, 2020, 2021 and 2022, our brokerage has received multiple awards for our professionalism and customer service.

Let's Do This!

Let's do this!

Choose a date and time below for a FREE phone call to see how we can help you.

What will happen next?

Once you’ve completed the form, you’ll be taken to my online calendar. I’ve put some time aside for a FREE 20-minute no-obligation consultation.

Frequently Asked Questions on Home Loans for Not For Profit Organisations

Salary sacrificing or salary packaging is an arrangement where an NFP employee’s total remuneration package is part cash and part benefits (e.g., extra superannuation contributions, flexible working arrangements or a lower taxable income). It’s a great way to save money on tax, and many employers offer salary sacrificing arrangements as part of their employee benefits package.

Salary sacrificing allows you to use part of your pre-tax salary to pay for certain expenses like super contributions, mortgage repayments, car loans, child care spending, and health insurance. As the ATO explains, salary sacrificing “is an arrangement between an employer and an employee, where the employee agrees to forgo part of their future entitlement to salary or wages. This is in return for the employer providing them with benefits of a similar value.”

Yes. Mortgage repayments and rent can be salary packaged. You can also salary package other regular fixed amount expenses like school fees and loan payments. Note that each non profit organisation has their own policy about salary sacrificing so make sure to take this up with your HR or payroll department.

 It can help you save on tax. Your mortgage repayments are deducted from your pre-tax income, which results in a reduced income as far as computing taxes is concerned. So when you salary sacrifice your mortgage, you’re essentially reducing your taxable income which helps you save quite a bit of money in taxes each year.

Another benefit is that it can help you get ahead on your mortgage, which can reduce the amount of time it takes to pay it off by making extra repayments with your extra income in your pay packet.

Some lenders may count your salary sacrifices as an expense, which can reduce how much they are willing to lend you. To know more, best to talk to a mortgage broker specialising in home loans for non profit workers.

Reviews

Testimonials for Q Financial

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them

Michael OlivottoMichael Olivotto
01:44 03 May 23
The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home.Thanks guys for all your hard work!
kaleha costanzo-joneskaleha costanzo-jones
08:49 30 Jan 23
Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!
B BOYB BOY
03:14 13 Dec 22
Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.
HeidiHeidi
08:57 01 Jun 22
Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!
Sophie HolmesSophie Holmes
08:05 29 Mar 22
As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them
Alicia MatthewsAlicia Matthews
00:08 25 Nov 21
We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property.They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule.I would highly recommend Q Financial to anyone looking to purchase a property.They are awesome!!
Tim WilsonTim Wilson
00:49 01 Nov 21
Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.
scott nealescott neale
09:36 16 Sep 21
Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!
Karalee ShieldsKaralee Shields
04:59 15 Sep 21
Quinto and Michael were both very professional and attentive throughout the entire process. As it was the first time I had taken out a mortgage, I had a lot of questions, to which I always received a prompt and helpful response.Our purchase had a very short settlement period, which could be quite stressful, but the guys at Q-Financial made sure the entire process was successfully completed in time.We would definitely use their services again in the future.
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b marb mar
05:00 03 Jun 22
Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required.Professional, punctual and very informative. Highly recommend
ChilloutHakkChilloutHakk
00:49 02 Jun 22
Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼
Jackson SimonJackson Simon
10:17 12 May 22
Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.
luke barnettluke barnett
20:29 24 Aug 18
I would personally highly recommend Q Financial to anyone. The whole experience that i have gone through has been an absolute breeze thanks to Quinto and his great team at Q Financial. Who would of thought taking out a mortgage could be so easy.Five stars from me !
Liddy O'BrienLiddy O'Brien
22:15 10 Aug 18
Q financial got us the best mortgage deal available and we are so impressed with the excellent service we received all the way. Many thanks Quinto for your support, you went over and above our expectations and we’re very happy and pleased with the outcome you achieved for us.
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Work with us for non profit home loans

We are passionate about helping people who spend their lives helping others.

We have built significant expertise to understand which lenders look most favourably on applications from not-for-profit workers. We know how to present the application to them for the best chance at approval success. We have achieved a 97% approval rate compared to a significantly lower industry average.

Hot Tip!

Make sure you get your Pre-Approval before you go making offers on your dream home.

Otherwise, you might miss out!

Emma Munro
Emma Munro

left us a 5 star review

Emma Munro
Emma Munro
August 1, 2023

Excellent service and ongoing advice when buying our first home. Absolutely recommended!

Debbie Hayer
Debbie Hayer
July 27, 2023

Quinto and the team were amazing. They answered all our questions and made sure the product we were getting was the right one for our circumstances. Michael kept us up to date with the progress and was so lovely to deal with.

Vicki Baston
Vicki Baston
July 26, 2023

Quinto and Michael have been nothing short of amazing. They are so professional and efficient, they think of everything and take the stress out of the process. I can’t recommend them highly enough. Just perfect 🤩

Aaron Price
Aaron Price
July 18, 2023

We recently used Q financial to purchase our first home. Quinto and Michael are fantastic to deal with. Very professional and personable. They made the process very easy and were there for us every step of the way. I highly recommend Q financial.

buck69ism
buck69ism
July 11, 2023

Quinto and his team not only got me a killer deal but they also recommended awesome an conveyancer and insurance broker. The whole process was fast and easy. Even for a complete novice like me! Such a sick crew to deal with.

Mr E
Mr E
July 10, 2023

I just want to share that the team at Q Financial were fantastic, Quinto and Michael made the process all too easy and drama free, they explained everything in great detail and always took time to answer questions and hold our hands through the process. I first met Quinto I don't mind leaving a review when it's deserved. This is the third time we've used these guys and I can't recommend them highly enough!

Natalie Gallagher
Natalie Gallagher
June 27, 2023

We have been very happy with Quinto. He has been helpful and informative and made the experience of purchasing a first home not so daunting.

Chris Davis
Chris Davis
June 15, 2023

Quinto and Michael were very helpful from the very beginning. Always contactable and explaining information in an easily digestible way. Would recommend to anyone.

Paty Vazquez
Paty Vazquez
recommends
June 5, 2023

I'm so excited I got a loan from a lender who helped me with my loan. It was amazing how I got a loan... I tried a different service but I could never get a loan from that service. Some of them will ask me to fill out a lot of documents and at the end of the day it will not end well. But I'm happy after meeting with KURT. I was able to get my loan of $200,000. now my business is going well and I want you all to know this today because they are fast and 100% reliable. Now I'm paying the loan I got from the company from uni-credit loans all over the world. Get in touch with them and don't waste time with those lenders: send an email to elmamilitansapla@gmail.com via WhatsApp to: +1(217)290-6702

Michael Olivotto
Michael Olivotto
May 3, 2023

The people at Q-Financial are great. I got to work with Michael and Quinto, both are highly professional, knowledgeable and personable. You can tell that they genuinely care about you getting the best possible outcome and work tirelessly to help you out. Highly recommend using them if you want some people that will go the extra mile and take on the extra stress so you can focus on finding your perfect home. Thanks guys for all your hard work!

Cherie Samson
Cherie Samson
April 19, 2023

Michael and Quinto were so great at helping us with our home loan. As first home buyers we has no idea where to start, they were able to help with all our questions, find great rates and get the most for us. The communication was great as they were able to schedule important calls with us, that fit in with our busy lifestyles. They made the process painless. Working with these guys meant I wasn't worried about the home loan so we could focus on finding our first home, which we did!!. Thanks Michael and Quinto!!

Cherie Olivotto
Cherie Olivotto
recommends
April 19, 2023

Michael and Quinto were very helpful throughout the process of applying for a mortgage. They were very knowledgeable and easy to communicate with. Would definitely recommend

Camille Lagana
Camille Lagana
April 18, 2023

Quinto and Michael at Q Financial were exceptional with helping us to purchase our home. They were incredibly prompt and professional, as well as being accomodating and flexible with our busy schedule. Being a doctor, Quinto was able to liase with the bank regarding loans specific for health professionals. I couldn't recommend more highly.

Chris Casey
Chris Casey
April 8, 2023

Best in the business, we are going through the construction loan process and due to the current industry climate have had so many changes in circumstances weather it be building companies going into liquidation or the interest hikes to name a couple these guys have stuck by us and guided us every part of the way cannot recommend them highly enough.

Amanda Casey
Amanda Casey
April 8, 2023

Great service would highly recommend for anything mortgage related! Quinto and Michael are the best in the business and go over and above to help, thank you :)

Liam McIntyre
Liam McIntyre
March 23, 2023

Q goes the extra mile. Great work.

Caleb Howell
Caleb Howell
March 8, 2023

Quinto and the team provided me with top notch service when it was time for refinancing my home. Not only did they guide me through taking over sole title of my property but also securing a great rate. I was grateful that I had a direct line to Quinto and Michael when questions came up opposed to customer service at a big bank. Cheers

kaleha costanzo-jones
kaleha costanzo-jones
January 30, 2023

Q financial was amazing! We were referred to them by a friend after the first broker we used got flaky. They took the time to make sure we understood everything, compared all the best loans and saved us thousands! They were on top of everything for the whole process even when our settlement got moved forward! Michael and quinto are amazing I can’t recommend them highly enough!!

jai gennat
jai gennat
December 13, 2022

Quinto and Micheal from Q Financial made refinancing our mortgage very easy and helped us get a very competitive interest rate. We were kept up to date the whole way through the process. I would highly recommend Q Financial.

Bec Boo Yall
Bec Boo Yall
recommends
December 13, 2022

Quinto and Michael have been fantastic to work with. They were able to simplify financial terms, give well-researched recommendations and advice. I loved how easy it was to communicate with the team throughout the process. I'd highly recommend them to anyone in need of their service.

B BOY
B BOY
December 13, 2022

Quinto and Michael have been excellent to work with. They were able to simplify financial terms and help me understand all the logistics and paperwork throughout the process. Would 100% recommend to anyone looking to buy or refinance.

jasmine preston
jasmine preston
November 3, 2022

Q financial were super helpful and walked us through everything Highly recommend using them

Meg Galloway
Meg Galloway
October 27, 2022

Best in the business. Quinto & his amazing team are outstanding. Such great people to work with. They're communicative at every step of the way and worked hard to get the best outcome for us. I work in financial services and deal with A LOT of brokers. Q Financial are by far the best in the industry. You're in safe hands, highly highly recommended. Unbeatable service. So much more than a typical broker, they checked in with us every step of the way, they do goal setting and Financial plans, they even do annual reviews to make sure you're always in the best product - just the best!

Akinyemi Abiodun Christopher
Akinyemi Abiodun Christopher
recommends
June 5, 2022

Today I am grateful to Brenda William for her great offer and help because she really changed my financial situation with an investment capital of $1,000 I’m making $9,000 profits per week right now. If you need her help, contact her via 👇🏻 Email: brendawilliam784@gmail.com WhatsApp: +1 (754) 400-0330 I advice you shouldn't hesitate to message her.

b mar
b mar
June 3, 2022

Amazing communication by the Quinto and Michael from Q financial. This is the second time we have used their services and will be engaging with them again when required. Professional, punctual and very informative. Highly recommend

ChilloutHakk
ChilloutHakk
June 2, 2022

Down to Earth and clear open lines of communication throughout the whole process of purchase. The team make a great unit. Definitely recommend, couldn’t be happier about the service. 👍🏼👍🏼👍🏼👍🏼👍🏼

Heidi
Heidi
June 1, 2022

Amazing team at Q Financial! Communication is great & and he even made time after hours (once the kids were in bed) to chat with us! Would highly recommend Quinto!

Jackson Simon
Jackson Simon
May 12, 2022

Great experience working with Q Financial. Quinto and the team got our loan approved, assisted us to find a competitive loan from an ethical provider and are fantastic communicators. Would definitely recommend to anyone.

Dave P
Dave P
April 22, 2022
Sophie Holmes
Sophie Holmes
March 29, 2022

As we are first home buyers, Quinto and Michael made the daunting process much easier. They were always available and very responsive with any questions we had. Very happy cusomers and would highly recommend to anyone needing professional lending advice and services. Happy home owners now thanks to the both of them

Jeremy Day
Jeremy Day
February 21, 2022

Quinto and Michael did a fantastic job with very short notice to get finance approved for a very short settlement. They went above and beyond battling through extremely complex business structures and coordinating with the banks.

jennyfromthegym
jennyfromthegym
February 8, 2022

Quinto and Michael were so helpful in providing mortgage advice and helping us achieve our goal of remortgaging an investment property and purchasing our dream house. Highly recommended!

Alicia Matthews
Alicia Matthews
November 25, 2021

We've worked with Quinto and his team to purchase 3 properties so far and intend to use them when we purchase our next property. They make the process so easy and stress free and provided a service that is individualised and suited to our needs. As a Trainer in adult education, I don't really have flexibility in my work day for meetings, but Quinto had always been flexible to suit my schedule. I would highly recommend Q Financial to anyone looking to purchase a property. They are awesome!!

Julia Ehemann
Julia Ehemann
November 15, 2021

Quinto & Team are informative, prompt, professional & dedicated. Can recommend highly !

Joseph Bailey
Joseph Bailey
November 10, 2021

Quinto and his team did an absolutely outstanding job in helping us secure a home loan and buy our first property. Professional, experienced and so easy to communicate with. Couldn't recommend them enough!

Melanie Singh
Melanie Singh
November 8, 2021

As first home buyers, Q Financial made the entire process of getting a loan straight forward. They accommodated our needs, were knowledgeable and professional. We highly recommend their service!!

Tim Wilson
Tim Wilson
November 1, 2021

Had such a great experience with Quinto and the team at Q Financial. We bought our first property with them after being recommended by a friend. They guided us through every step of the process and can’t recommend them enough.

Sara Schepis
Sara Schepis
recommends
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

Sara Schepis
Sara Schepis
October 4, 2021

Quinto and Michael were extremely helpful when assisting my partner and I to buy our first home. We are based in Melbourne so they organised zoom meetings to find out our needs and talked us though our options. If I ever had any questions, Michael was only one call away. They went above and beyond other brokers I had spoken with previously. Thanks Guys!

scott neale
scott neale
September 16, 2021

Q financial were such great mortgage brokers to deal with. From start to finish the whole process was very streamline and both Quinto and Michael made us feel very comfortable with their extensive knowledge of the industry, by explaining every daunting detail thoroughly, and making each step of the way easy to understand. Will definitely be working with them for future investments and refinancing. Thanks a lot guys!

Matthew Collins
Matthew Collins
June 16, 2021

Quinto and the team made the process of buying my first place really easy. Great communication and enabled me to borrow with an ethical bank that doesn't invest in fossil fuels. Highly recommended.

Linda Dalton
Linda Dalton
May 11, 2021
ariel tobey
ariel tobey
May 2, 2021

Great experience with Q Financial. We have re financed several times over the years and these guys are the best. They went above and beyond to make sure that the process was as smooth as possible. Highly recommend them!

Dylan Smith
Dylan Smith
January 25, 2021

Quinto & Michael were so helpful, were always ready to look after us and explained the process to my partner and i every step of the way. They helped us achieve our goal securing a home loan and i couldn't recommend their service more!

Lewis White
Lewis White
recommends
September 21, 2020

Quinto made what was a tedious process talking to banks into something easy and understandable. My partner and I will be talking to Quinto for any future loan requirements. Thanks for all your help Quinto!

Anthony Laye
Anthony Laye
recommends
February 17, 2020

What A Service! Quinto made what could be a daunting and complex process like a walk in the park. We had a few challenges that we were up against (self employed, time & low deposit) and Quinto came up with a solution that worked. Thank you for getting our family in our own home. 5 STARS ⭐️⭐️⭐️⭐️⭐️

Anthony Laye
Anthony Laye
February 17, 2020

Quinto's service is second to none. We were looking for finance faced with 3 major challenges (self employed, short time frame, low deposit). Quinto found an amazing solution and turned what was a stressful situation in to an easy process. I would encourage anyone looking for finance to give Quinto a call..... AMAZING!

Nicola Laye
Nicola Laye
February 17, 2020

We recently purchased our first home in Australia, I can't thank Quinto enough it was a smooth, hassle free process, Quinto explained everything clearly. Being self-employed a home loan can be hard to achieve but he helped guide us through with efficiency and a calm approach. I would 100% recommend Quinto to anyone looking for finance. Thank you Quinto..

Brian Grose
Brian Grose
recommends
October 22, 2019

Quinto is always willing to work with you to get you the best deal for your situation. He's always easy to talk to and a pleasure to deal with, plus he's one of the most genuine people you'll meet! Thanks again!

Adam Armitage
Adam Armitage
recommends
September 29, 2019

Great guy and great at what he does