I was living and working in the UK as a teacher for the past year and just got back in December 2015. Before I left Australia i purchased a unit, Off the plan with pre approval, completion was meant to be in late 2016, giving me enough to time to return to Australia and find a full time teaching position. however, now i've been told the Unit will be completed at the end of this month. I am currently working as a casual teacher and started at the beginning of the school year- February 2016, therefore i don't have a long work history in Australia to apply for a home loan nor do i have a 20% deposit. I did put down a 10% deposit before i left though. I want to know what my options are as a casual teacher with 2 months work history in Australia and a 10% deposit. I am not being approved right now because of this. How can i now qualify for a loan? What can I do if I don't qualify for a home loan or an Investment loan? Will i loss my deposit?