Essential Worker Home Loan North Brisbane
Police, fire, ambulance or defence? We can help
Shift allowances and overtime are treated as core income by the right lenders, and that changes what you can borrow.
Meet our directors Tom & Steve Kelly, the local Essential Worker Home Loan experts who work with North Brisbane buyers and investors.
What are the Essential Worker Home Loan steps?
1. Schedule a free chat here
Send us two payslips and we'll tell you what you can borrow and which lenders count your penalties and allowances in full, so your real earning power is on the table from the start.
2. We find the right loan options
Police, fire, ambulance, defence and government roles sit on different lender policies, and no one lender covers them all well. We compare 60+ to match your roster.
3. Start your application, no pressure
If you decide to go ahead, we lodge with the lender whose policy fits your roster and allowances, so the application reflects what you actually earn rather than a discounted figure.
4. Essential Worker Home Loan support!
We're proud to help North Brisbane's essential workers into home ownership. Call (07) 3847 9450.
Schedule a call today:
We negotiate with 60+ lenders for you, including the major Australian Essential Worker Home Loan banks & lenders.
Do police, fire, ambulance or defence workers get home loan benefits?
Shift allowances and overtime are treated as core income by the right lenders, which can materially change what police, fire, ambulance and defence workers are able to borrow.
Some lenders also offer LMI concessions for certain government and emergency-service roles. It's worth checking policy before you apply — related healthcare worker options work the same way.
How are allowances and penalties assessed?
Police, fire, ambulance, defence and government roles sit on different lender policies, and no single lender covers them all well. Some count penalties and allowances in full, others discount or exclude them.
We match your roster and pay structure to the lender whose policy reads it most generously, so your application reflects what you actually earn, for buyers across Alderley and Gaythorne.
What documents do I need?
Send us two recent payslips and we'll tell you what you can borrow and which lenders count your penalties and allowances in full. Add any allowance breakdown if your payslip lumps it together.
First-time buyers should also check the schemes they qualify for — see first home loans.
How do I get started?
We're proud to help North Brisbane's essential workers into home ownership, and we'll give you a straight borrowing figure before you start looking.
Send two payslips or call (07) 3847 9450 for a free, no-obligation chat across our 60+ lender panel.
