Can You Buy a Home While on Maternity Leave? Yes—Here’s How.

1 July

If you’re preparing for a new baby and thinking about buying your first home (or even your next one), you’re probably asking the question:

“Can I really get a loan while I’m on maternity leave?”

The short answer? Yes—sometimes.

The longer answer? With the right support, plan, and strategy—absolutely.

Here at She Owns, I’ve worked with women navigating this exact moment. And whether you’re expecting your first or holding your newborn in one arm and reading this with the other—we’re here to show you what’s possible.

The Myth: “Maternity Leave = Mortgage No-Go”

‘Let’s clear this up: being on maternity leave does not mean you can’t apply for a home loan.

In fact, many lenders are open to assessing your application while you’re on leave, especially if:

You were employed prior to taking leave,
You have a formal return-to-work date,
And you can demonstrate you’ll be able to service the loan.

That might mean returning full-time or part-time, depending on your income and borrowing needs. Some lenders may also consider government parental leave payments in their income assessment, though this varies.

What Banks Are Really Looking For

Most lenders just want to know one thing:

Can you realistically manage the repayments once you’re back at work?

Here’s what helps:

A letter from your employer confirming your return-to-work date and hours
Evidence of your previous income (before leave)
Any savings, partner income, or additional support (like Centrelink payments)
A clear picture of your expenses and living costs

Buying with a partner? Their income will be factored in too, which can really strengthen your application.

Real Talk: Is Now the Right Time?

Every situation is different. For some women, it makes sense to buy before going on leave—while income is still full. For others, it’s more practical to buy during leave or just after returning.

There’s no perfect time. But there is a smart way to do it—with clarity, confidence, and guidance from someone who sees the whole woman, not just the numbers.

What You Can Do Next

If you’re:

On maternity leave and curious about your options,
Thinking of buying but unsure about the timing,
Or want to start planning before baby arrives…

Download my free guide: Mum Money – How to Buy Property on Maternity Leave

And if you’re ready for a personalised plan, let’s chat. Book your free She Owns Strategy Session—we’ll map it all out, with no pressure, and lots of support.

You’re growing something incredible.

Your future, your family, and yes—your financial independence.

Let’s make sure your money is growing with you.