Healthcare Worker Home Loan North Brisbane
Work in healthcare? You may pay less
Doctors, nurses, dentists, vets, pharmacists and allied health can access professional lending benefits at some lenders. We'll find which ones.
Meet our directors Tom & Steve Kelly, the local Healthcare Worker Home Loan experts who work with North Brisbane buyers and investors.
What are the Healthcare Worker Home Loan steps?
1. Schedule a free chat here
Bring two recent payslips and a free chat tells you what you can borrow and whether your role sits on a lender's professional list for waived LMI.
2. We find the right loan options
Waiver lists differ between lenders, and permanent, agency and casual healthcare income are assessed very differently. We compare 60+ to find the best read on your payslip and role.
3. Start your application, no pressure
If you decide to go ahead, we lodge with the lender that reads your income most favourably, including shift penalties, overtime and salary packaging.
4. Healthcare Worker Home Loan support!
Kelly Brothers Finance works with healthcare staff across North Brisbane's hospital and health precincts. Call (07) 3847 9450.
Schedule a call today:
We negotiate with 60+ lenders for you, including the major Australian Healthcare Worker Home Loan banks & lenders.
Do healthcare workers get better home loan terms?
Yes, many can. A number of lenders treat eligible medical and allied health professionals as lower-risk, which can mean waived Lenders Mortgage Insurance (LMI) up to 90% of the property value (a 10% deposit with no LMI), and a few lenders stretch this to 95%. Roles that commonly qualify include doctors, dentists, veterinarians, pharmacists and optometrists, with nurses, midwives and many allied health roles accepted at selected lenders. Some also offer sharper rates on larger loans. The waiver list and LVR cap differ by lender and exact role, so the value is matching you to the lender whose policy fits your profession. See our professional home loans.
How is shift and casual healthcare income assessed?
It varies a lot between lenders, and that difference sets your borrowing power. Base salary is simple; the split is in overtime, shift penalties, weekend loadings and allowances - some lenders count these at 100%, others discount to around 80% or ignore casual overtime. Casual and agency staff can usually be assessed after around 6 to 12 months in the role, and salary packaging (common in public health) can be grossed up in a few lenders' servicing calculators, lifting what you can borrow. For staff around the RBWH and Herston hospital precinct, picking the lender that reads shift and packaged income most generously can change your approval amount materially. We match your payslips and packaging statement to that lender.
What do I need to apply?
Four simple steps:
1. Chat to us first - a free, no-obligation call where we check whether your role sits on a lender's professional list and give you a realistic borrowing figure, not an online guess.
2. Gather your income proof: two recent payslips, your employment contract or a letter confirming your role (important for casual or agency staff), and your latest salary-packaging statement if you package.
3. Confirm your deposit and position: even a 5 to 10% deposit can work, and we check your LMI-waiver eligibility so you may avoid LMI entirely.
4. Get pre-approved: we submit to the lender that reads your income best, so you can make offers with a firm budget behind you.
Casual or agency staff should also look at essential worker options.
Where can healthcare workers get help in North Brisbane?
Right here. We work every week with staff across the area's health precincts, including the RBWH and Herston medical precinct, The Prince Charles Hospital at Chermside, North West Private, and the surrounding clinics. Because we handle healthcare income constantly, we know which lenders treat shift penalties, overtime and salary packaging most favourably, and which waive LMI for your role. It costs nothing to find out where you stand - call (07) 3847 9450 or contact us to get started.
