Most banks will decline your loan application outright because there’s a risk that you’ll not return to your previous job, will have another baby or because they can only assess your current income.
Although some banks have strict lending policies, we know lenders that will still allow you to borrow. Under a maternity leave home loan package, banks accept your return-to-work salary for assessing your income. Most banks allow up to 1 year of leave period but we also have a lender in our panel who accepts 2 years of leave period.