5.29
%
p.a.
Interest rate *
LMI waivers up to 90% LVR, First Home Guarantee, and shift-income assessment that actually counts your penalty rates.
Nurses and midwives are the largest group of AHPRA-registered healthcare professionals in Australia and home lending policies for nurses have improved dramatically in the last five years. Westpac, NAB, Macquarie, and several others have built nurse-specific home loan programs with LMI waivers up to 90% LVR. Combined with the federal First Home Guarantee scheme (5% deposit, no LMI) and proper recognition of shift penalties, allowances, and casual hours, nurses today have more home loan options than ever before. We know which lender is right for which nurse and we package your application to maximise borrowing capacity.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
Nurse in clinical setting — uniformed, warm, professional
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your situation
Through nurse-specific medical-pro programs at Westpac, NAB, Macquarie and others. Borrow up to 90% of property value without paying LMI.
Federal government scheme — nurses and midwives access on the same basis as any first home buyer, often the best pathway for early-career nurses.
Penalty rates, weekend loadings, night-shift allowances and overtime properly credited — not discounted by lender assessment models.
Casual nurses and agency nurses face the same income-assessment challenges as locum doctors. The right lender credits 12 months of consistent shifts at full value.
Midwives are AHPRA-registered (often dual-registered as nurses) and access the same medical-pro lender programs as nurses. The main difference shows up for self-employed midwives in private practice. Income assessment becomes more complex, but the right lender can still credit private midwifery income alongside any hospital salaried work.
Base salary, penalty rates, casual shifts, agency work, second jobs.
And pick the pathway with the lowest deposit and best long-term cost.
Application, paperwork, lender negotiation, and all the leg work is done by us so you have more time with your patients.
Relax and enjoy your new home or investment!
Every loan product an Australian nurse or midwife is likely to need, under one specialist team.
5% deposit, no LMI, $680K purchase. Penalty rates and weekend shifts credited at full value, lifting borrowing capacity by $90K.
12 months of consistent shifts treated as continuing income — 90% LVR through nurse medical-pro program.
Combined PAYG and ABN income properly assessed — borrowed at full capacity.
Moved from a standard product to a nurse medical-pro program — saved $7K/year on $620K loan.
LMI waivers up to 100% LVR for AHPRA-registered doctors. First home, upgrader or refinance.
Build a property portfolio with structures suited to high-income, irregular-billing doctors
Move to a lender that actually credits medical income, locum work or trust distributions
Practice buy-ins, fit-outs, equipment, vehicles, and expansion finance for medical professionals.
Book a 15-minute call and we’ll point you in the right direction — no obligation, no jargon.
Some lenders include vets, others don’t. BOQ Specialist and Macquarie have vet-specific programs with LMI waivers up to 90% LVR. Most of the Big 4 don’t include vets in their standard medical-pro tiers. We know which is which.
Practice ownership generally increases your borrowing power (higher income) but requires more sophisticated income assessment (BAS, financials, distributions). We work with lenders who properly read vet practice financials.
Yes. Locum vet income is treated like locum doctor income — most lenders penalise the variability, but the right specialist lender will credit it at full value with the right placement history.
Generally treated under the same vet program, but penalty rates and after-hours billing can push borrowing capacity significantly higher with the right lender.
Yes — practice purchase, partner buy-in, equipment finance, and fit-out are all available. See our /loans/business-lending/ page.
Most nurse medical-pro programs cover both registered nurses (RN) and enrolled nurses (EN), provided AHPRA registration is current. The waiver caps and rates may differ slightly between lenders.
Yes — most lender programs cover graduate-year nurses, though income evidence requirements may be slightly higher (you’ll typically need at least 3 months of payslips).