Can You Get a Home Loan With Irregular Income?
Yes, lenders accept irregular income. See how five averaging methods turn one $80k wage plus overtime into $94k to $106k, plus contractor and seasonal tips.
9 min read
Director and Finance Broker
Dylan Bertovic
Dylan is the Director and lead broker at Stryve Finance, helping clients across Australia with home, investment and non-traditional lending. He is known for finding a way through the applications other brokers hand back.
10+
Years of experience
301
Google reviews for the team
$20m+
Loans settled
About Dylan Bertovic
Dylan Bertovic is the Director and Senior Finance Broker at Stryve Finance, specialising in non-traditional lending solutions. He helps clients across Australia with tiny home loans, construction finance, equipment and asset lending, refinancing, and investor loans.
With deep expertise in self-employed and renovation mortgages, Dylan is known for crafting tailored strategies that get results.
What Dylan handles
Where Dylan lends
- New South Wales
- Australia-wide (remote)
Including Victoria, Queensland, Australian Capital Territory, South Australia, Western Australia, Tasmania and Northern Territory.
What clients say about Dylan and the team
Verified Google reviews. The ones that mention Dylan by name come first.
Emil
13 Oct 2026
The team is awesome. Douglas and Dylan, are very thorough and are generous with their time to explore the best product that meets my needs and when they cover all the details, they follow through to the last details ensure the transaction is complete. They will also check after the issue is settled to see if any more support is needed. Simply A service. Best wishes and am sure where to go fir my next mortgage or financial advice.
Melvin Chan
08 Oct 2026
We are very happy with our experience with Stryve Finance and would highly recommend them. They helped us secure the finance for our purchase on and made the whole process straightforward and easy from start to finish. They were always quick to respond, easy to deal with and happy to help with anything we needed, whether it was a big question or a small one. What really stood out was how approachable, friendly and proactive they were. They kept us informed throughout the process and made sure everything kept moving along smoothly. We really appreciated the personal service and the time and effort they put into helping us with our purchase. Their communication was excellent, and we always felt that we were in good hands. A big thank you to the Stryve team - Dylan & Marko for making the finance side of our purchase so simple and seamless. We are very happy with the service we received and would gladly recommend Stryve Finance to anyone looking for a responsive, helpful and genuinely caring finance broker.
Paul Coleiro
22 Sept 2026
Dylan and his staff have been fantastic, they have made the process very easy and stress free. They walk through everything with you from start to finish and guide you to the best options. Thank you guys much appreciated
Michael O'Malley
30 Aug 2026
Dylan and the Stryve Team have been so amazing during our search for a first home. Dylan was so communicative, patient and knowledgable and kept us updated throughout the whole process. I can’t recommend them enough!
Tanvi Mara
19 Aug 2026
My partner & I have had a fantastic experience with Stryve Finance. Dylan and Douglas were incredibly helpful, responsive and supportive throughout the entire process. We’re very grateful for their help and would highly recommend Stryve to anyone looking for a reliable and knowledgeable mortgage broker.
JAMES HARVEY
18 Aug 2026
Dylan and the team at Stryve are exceptional. He made the process so easy to understand and helped secure the loan I was after. A special mention to how efficient the team are and can move things really quickly when needed. Can’t thank them enough for everything they’ve done. Strongly recommend if you’re looking for a first class mortgage broker!
Alexia
18 Aug 2026
Dylan and the team at Stryve made the pre approval process feel exciting and easy as it should! Cannot recommend them enough
Hollie
12 Aug 2026
Dylan and the team from Stryve are absolutely incredible. So grateful we have Dylan as our broker, he explains things very clearly, and has always been very reliable and dependable if we have ever had any questions - incredible customer service where you feel really taken care of, heard and supported. Stryve have their finger on the pulse when it comes to their knowledge of the current market and the lenders to go with. I highly recommend going with these guys as your brokers, especially with navigating the current climate!
Emil
13 Oct 2026
The team is awesome. Douglas and Dylan, are very thorough and are generous with their time to explore the best product that meets my needs and when they cover all the details, they follow through to the last details ensure the transaction is complete. They will also check after the issue is settled to see if any more support is needed. Simply A service. Best wishes and am sure where to go fir my next mortgage or financial advice.
Tanvi Mara
19 Aug 2026
My partner & I have had a fantastic experience with Stryve Finance. Dylan and Douglas were incredibly helpful, responsive and supportive throughout the entire process. We’re very grateful for their help and would highly recommend Stryve to anyone looking for a reliable and knowledgeable mortgage broker.
Alexia
18 Aug 2026
Dylan and the team at Stryve made the pre approval process feel exciting and easy as it should! Cannot recommend them enough
Dillon Andrew Krogh
12 Aug 2026
Service. Quality. Integrity. 3 words I would use to summarize my experience with Stryve. Genuinely, these guys are the best in the business! Thanks again to Dylan and the team.
Katie Field
11 Aug 2026
We can't recommend Dylan and his team at Stryve (shout-out Stefano) highly enough. We came to them with a fairly involved refinance request and expected it to be stressful. Instead, it was the exact opposite. Every step was explained clearly and concisely, with clean, easy-to-understand breakdowns and no confusing jargon. They consistently offered insights that helped my partner and I feel genuinely informed and confident in the decisions we were making. What could have been a complicated, drawn-out process felt easy from start to finish. Cheers to the team at Stryve!
Sadie Yammine
11 July 2026
Dylan and Douglas from Stryve Finance came recommended to us. Im so glad we decided to go ahead and use them as our brokers. They got the loan approved in a very short time period. They also managed to get us a very competitive rate. They responded to emails and phone calls immediately. Dylan has been working in the industry for over 10 years and has made the process easy and got us to settlement in a timely manner. They were both very approachable and cannot recommend them enough
Mark Brady
24 Apr 2026
Absolutely outstanding. From start to finish my broker Dylan and hands on marko were there to get the best lender and great percentage on mortgage. Marko was there to walk me thru any misunderstandings rite to the very end. Not only got a better interest rate but less monthly repayments. Can't thank these guys enough. Thankyou kindly
Melvin Chan
08 Oct 2026
We are very happy with our experience with Stryve Finance and would highly recommend them. They helped us secure the finance for our purchase on and made the whole process straightforward and easy from start to finish. They were always quick to respond, easy to deal with and happy to help with anything we needed, whether it was a big question or a small one. What really stood out was how approachable, friendly and proactive they were. They kept us informed throughout the process and made sure everything kept moving along smoothly. We really appreciated the personal service and the time and effort they put into helping us with our purchase. Their communication was excellent, and we always felt that we were in good hands. A big thank you to the Stryve team - Dylan & Marko for making the finance side of our purchase so simple and seamless. We are very happy with the service we received and would gladly recommend Stryve Finance to anyone looking for a responsive, helpful and genuinely caring finance broker.
Hollie
12 Aug 2026
Dylan and the team from Stryve are absolutely incredible. So grateful we have Dylan as our broker, he explains things very clearly, and has always been very reliable and dependable if we have ever had any questions - incredible customer service where you feel really taken care of, heard and supported. Stryve have their finger on the pulse when it comes to their knowledge of the current market and the lenders to go with. I highly recommend going with these guys as your brokers, especially with navigating the current climate!
B
12 Aug 2026
Dylan and his team were proactive, professional and kept us informed throughout the entire process. Cannot recommend them highly enough. They listen and tailor the needs of their clients and focus on getting the abosulte best results. 5/5 for us.
Jack Aird
30 July 2026
Cannot recommend Dylan and the team at Stryve enough! We've had an awesome experience and have had excellent results. The team has amazing communication, responsiveness and gives great guidance.
B Owen
25 May 2026
Awesome experience dealing with Dylan at Stryve Finance. He made the whole process easy to understand and seamless from start to finish. Highly recommend Stryve if you're looking for a top-tier broker.
Khrystyne Cordi
24 Apr 2026
The whole team at Stryve are absolutely amazing, communication is flawless and they keep you informed every step of the way. Nate and Dylan explain processes and next steps clearly and are always proactive. I've used them for two mortgages and they have been able to get me great deals and work around any issues I've had. I highly recommend Stryve and the team.
Hernandeezzz Christopher
27 May 2026
The team at Stryve have a great work ethic and it shows from their ongoing support to questions and assistance throughout the whole process. They have also maintained continuous communication making this a seamless journey from start to finish.
Paul Coleiro
22 Sept 2026
Dylan and his staff have been fantastic, they have made the process very easy and stress free. They walk through everything with you from start to finish and guide you to the best options. Thank you guys much appreciated
Michael O'Malley
30 Aug 2026
Dylan and the Stryve Team have been so amazing during our search for a first home. Dylan was so communicative, patient and knowledgable and kept us updated throughout the whole process. I can’t recommend them enough!
JAMES HARVEY
18 Aug 2026
Dylan and the team at Stryve are exceptional. He made the process so easy to understand and helped secure the loan I was after. A special mention to how efficient the team are and can move things really quickly when needed. Can’t thank them enough for everything they’ve done. Strongly recommend if you’re looking for a first class mortgage broker!
Deborah Chouart
12 Aug 2026
Dylan has done a sensational job in helping me achieve my dream of purchasing a property. He has always been prompt in responding to my numerous enquiries, supporting me and guiding me through the whole process. Dylan and the stryve team have conducted themselves very professionally with brilliant results, I would recommend them to anyone in need of a broker. Dylan has been a pleasure to deal with, Thank you for everything.
joshua day
06 Aug 2026
Dylan and the team are second to none! Great advice, combined with prompt approvals. I wouldn’t use anyone else.
Josh George
30 July 2026
Could not recommend Stryve enough. Dylan and the rest of the team are experts who always provide great advice, and they're also very prompt and patient with every question. Their communication throughout the whole process made everything so much easier. Highly recommend them to anyone looking for a team that truly knows what they're doing!
Luke Walsh
22 May 2026
Dylan and the team at Stryve are absolute legends. My partner and I are extremely grateful to have Dylan as our mortgage broker. Their knowledge of the banks and problem solving made my new loan feel so easy and their customer service was extremely efficient. I can't recommend them highly enough!
Ashley Robins
22 Apr 2026
Dylan and Douglas made this transaction very easy, the communication was great and they did not shy away from any challenges. I will most definitely be using them in the future and referring them to friends and family .
Tamara P.D
12 May 2026
A big thank you to the team at Stryve Finance, especially Marko and Nate, for making the whole process seamless and easy. They made everything clear from start to finish. I couldn’t recommend them more.
And many other satisfied clients
See 250+ satisfied clientsArticles by Dylan
Guidance Dylan has written for the Stryve Journal.
What Credit Score Do You Need for a Home Loan?
There's no set minimum credit score for a home loan in Australia. See what lenders read on your Equifax and Experian files, self-employed included.
8 min read
Sole Trader Home Loan vs Company and Trust Income
How lenders assess a sole trader home loan, a company director's salary and add-backs, and trust distributions, plus the documents each structure needs.
10 min read
Low Doc and Alt Doc Home Loans Explained
Low doc and alt doc home loans let self-employed borrowers prove income with BAS and bank statements. See the requirements, rates and trade-offs.
14 min read
What the HSBC Home Loan Sale to Pepper Money Means for You
HSBC is selling its Australian home loans, with Pepper Money taking over servicing in 2027. What changes for your loan, what stays the same and your options.
6 min read
1 year tax return home loan: is it possible?
Some lenders will accept one year of tax returns. See what makes a one-year file work, plus a first-year sole trader example with illustrative figures.
12 min read
Line of Credit Home Loan vs Refinancing: Which Suits You?
Compare a line of credit home loan to a cash-out refinance across cost, flexibility and risk. Independent broker guide with worked equity examples.
9 min read
How does equity work when buying a second home
Learn how equity works when buying a second home in Australia. Compare sell-first vs buy-first paths, calculate usable equity, and explore your options.
8 min read
Low doc refinance home loan: a guide for self-employed borrowers
Self-employed and struggling to refinance? Learn how low doc refinance home loans work, what documents you need, and how a specialist broker can help.
11 min read
Switching home loans from one bank to another
A step-by-step guide to switching home loans from one bank to another. See the week-by-week timeline, costs, and how a broker manages the entire process.
9 min read
How long does it take to refinance a home loan
Most refinances take 4 to 8 weeks. See the full stage-by-stage timeline, costs to watch, and how a broker can speed up the process.
11 min read
How to increase borrowing capacity before refinancing
Learn how to increase borrowing capacity before refinancing. Covers the APRA serviceability buffer, credit card limits, income evidence and more.
10 min read
