Our Services

Home Loans
Home Loan Refinancing
Investment Loans
Investment Loan Refinancing
Low Deposit Loans
No Deposit Loans
No LMI Loans
Interest Only Loans
Debt Consolidation Loans
Self Employed Loans
House & Land Package Loans
Construction Loans
Car Loans
Equity Release Loans
Bridging Loans
Low Doc Loans
Guarantor Loans
LMI Waivers
Mortgages for Nurses
SMSF Loans

How we help

Getting loan pre-approval
Home Guarantee Scheme
Help to Buy Scheme
First Home Owner Grant for Nurses
5% Deposit Scheme for Nurses
Buying your first investment property
Buying your first home
Debt Recycling
Getting a Lower Interest Rate
Renovating your House
Rentvesting
LMI Waivers for Nurses
Expanding your property portfolio
Buying your next home

Calculators

Borrowing Capacity
Loan Health Check
Fixed Rate Expiry

Get in Touch

Contact Us
Book Appointment
Request a Call Back
Free Property Report
Book AppointmentCall

Guides and Resources for Nurses & Midwives

Practical articles on buying your first home, investment loans, refinancing, and government schemes for nursing professionals

Featured Articles

Image for The Dos and Don'ts of Property Search for Nurses

28th September 2026

The Dos and Don'ts of Property Search for Nurses

How to identify the right property when you're working shift patterns, managing deposit constraints, and balancing location with affordability.
Image for Why Should Nurses Finance a Holiday Home Now?

27th September 2026

Why Should Nurses Finance a Holiday Home Now?

A permanent rental property in a coastal or regional location can outperform traditional holiday ownership and open access to capital that a discretionary asset never could.
Image for How to Use Variable Rate Home Loans

26th September 2026

How to Use Variable Rate Home Loans

Variable rate loans offer flexibility and access to offset features, but the repayment movement can be unsettling. What nurses and midwives need to know before choosing this structure.
Image for Top tips to save on stamp duty as a nurse or midwife

25th September 2026

Top tips to save on stamp duty as a nurse or midwife

Registered nurses and midwives can access stamp duty concessions worth thousands of dollars across most states and territories when buying their first home or upgrading.

First Home Buyers

Image for The Dos and Don'ts of Property Search for Nurses

28th September 2026

The Dos and Don'ts of Property Search for Nurses

How to identify the right property when you're working shift patterns, managing deposit constraints, and balancing location with affordability.
Image for Why Should Nurses Lock Fixed Rates and What Are the Costs?

18th September 2026

Why Should Nurses Lock Fixed Rates and What Are the Costs?

Fixed rate break costs can reach thousands if you need to exit early. What registered nurses and midwives need to know before locking in.
Image for Unlock the Secrets to Multiple Offset Accounts for Nurses

18th September 2026

Unlock the Secrets to Multiple Offset Accounts for Nurses

How splitting your home loan structure across multiple offset accounts can give first home buyers in nursing and midwifery more control over their repayments and savings.
Image for Pre-Purchase Planning: What Not to Do as a First Home Buyer

12th September 2026

Pre-Purchase Planning: What Not to Do as a First Home Buyer

Getting mortgage-ready takes more than saving a deposit. Avoid these planning mistakes that delay or derail home loan applications for nurses and midwives.
Image for The Pros and Cons of Property Search Timing for Nurses

5th September 2026

The Pros and Cons of Property Search Timing for Nurses

When to start looking, how to pace your search, and what deposit options mean for registered nurses buying their first home in Australia.
Image for Why Should Nurses Consider LMI Waivers When Buying

31st August 2026

Why Should Nurses Consider LMI Waivers When Buying

Registered nurses can access LMI waivers with a 10% deposit through specific lenders, but eligibility criteria and income thresholds vary significantly across institutions.
Image for When to Use an LMI Waiver as a Registered Nurse

31st August 2026

When to Use an LMI Waiver as a Registered Nurse

How registered nurses and midwives can borrow up to 90 percent without paying Lenders Mortgage Insurance, and which lenders offer the waiver.
Image for How to Get a Home Loan as a Registered Nurse

31st August 2026

How to Get a Home Loan as a Registered Nurse

Understand deposit options, lender requirements, and government schemes available to nurses purchasing property in Australia
Image for Common Mistakes Paediatric Nurses Make Before Applying

9th August 2026

Common Mistakes Paediatric Nurses Make Before Applying

The planning decisions that shape your borrowing power, deposit options, and lender appetite long before you submit a home loan application.
Image for When to Claim First Home Ownership Benefits

29th July 2026

When to Claim First Home Ownership Benefits

Critical care nurses entering the property market can access federal and state-based schemes that reduce upfront costs and deposit requirements substantially.
Image for Avoid These Variable Rate Mistakes as a First Home Buyer

28th July 2026

Avoid These Variable Rate Mistakes as a First Home Buyer

For paediatric nurses entering the property market, understanding variable loan features can mean the difference between flexible repayments and locked-in limitations.

Home Loans

Image for Why Should Nurses Finance a Holiday Home Now?

27th September 2026

Why Should Nurses Finance a Holiday Home Now?

A permanent rental property in a coastal or regional location can outperform traditional holiday ownership and open access to capital that a discretionary asset never could.
Image for How to Use Variable Rate Home Loans

26th September 2026

How to Use Variable Rate Home Loans

Variable rate loans offer flexibility and access to offset features, but the repayment movement can be unsettling. What nurses and midwives need to know before choosing this structure.
Image for Top tips to save on stamp duty as a nurse or midwife

25th September 2026

Top tips to save on stamp duty as a nurse or midwife

Registered nurses and midwives can access stamp duty concessions worth thousands of dollars across most states and territories when buying their first home or upgrading.
Image for Top Strategies to Finance a Holiday Home for Nurses

24th September 2026

Top Strategies to Finance a Holiday Home for Nurses

How registered nurses and midwives can structure a holiday home purchase using investment loan features, LMI waivers, and offset accounts to protect cash flow.
Image for Top tips to save on stamp duty as a nurse in Australia

20th September 2026

Top tips to save on stamp duty as a nurse in Australia

Registered nurses and midwives can access multiple stamp duty concessions and exemptions that reduce upfront costs when buying property across every Australian state and territory.
Image for The Pros and Cons of Low Deposit Home Loans for Nurses

17th September 2026

The Pros and Cons of Low Deposit Home Loans for Nurses

What registered nurses and midwives need to know about deposit requirements, LMI waivers, and accessing home loans with less than 20% saved.
Image for Simple hacks to avoid timing the home loan market

13th September 2026

Simple hacks to avoid timing the home loan market

Why waiting for lower rates often costs more than locking in the right loan structure now, with practical strategies for nurses and midwives buying property.
Image for The Easiest Way to Save Your Deposit as a Nurse

11th September 2026

The Easiest Way to Save Your Deposit as a Nurse

How registered nurses and midwives can reduce deposit requirements and access home ownership faster through profession-specific lending options and government schemes.
Image for Smart ways to approach your next home purchase

10th September 2026

Smart ways to approach your next home purchase

How registered nurses and midwives can structure their next home loan to match their career stage and financial position.
Image for Understanding Self-Employed Home Loan Requirements

6th September 2026

Understanding Self-Employed Home Loan Requirements

How registered nurses and midwives running their own practice or working as contractors can prepare for a self-employed home loan application and what lenders assess.
Image for What are the Home Loan Options for Nurses Relocating?

4th September 2026

What are the Home Loan Options for Nurses Relocating?

From deposit support to LMI waivers, understanding how registered nurses and midwives can access finance for a property purchase closer to family.
Image for Understanding the basics of loan structure options

31st August 2026

Understanding the basics of loan structure options

How different loan structures affect your repayments, equity, and flexibility as a nurse or midwife buying or refinancing property
Image for Understanding the basics of buying a house

28th August 2026

Understanding the basics of buying a house

A practical guide for nurses and midwives looking to purchase property, covering loan structures, deposit strategies, and what lenders assess when you apply.
Image for How to Calculate Your Borrowing Capacity as a Nurse

27th August 2026

How to Calculate Your Borrowing Capacity as a Nurse

Understanding how lenders assess your income and expenses helps you plan your home purchase with realistic expectations and avoid wasting time on unsuitable properties.
Image for Apartment vs House Financing for Nurses

24th August 2026

Apartment vs House Financing for Nurses

How lenders assess apartments differently to houses, and what that means for your borrowing capacity and loan structure
Image for Which Banks Waive LMI for Nurses in Australia?

22nd August 2026

Which Banks Waive LMI for Nurses in Australia?

Only four lenders waive lenders mortgage insurance for registered nurses and midwives at 90% LVR with a $90,000 income threshold.
Image for Serviceability Assessment: The Ins and Outs

21st August 2026

Serviceability Assessment: The Ins and Outs

How lenders calculate what you can borrow, what counts in your favour as a nurse or midwife, and where the assessment process differs from standard applications.
Image for When to Consider Property Location for Your Home Loan

20th August 2026

When to Consider Property Location for Your Home Loan

The suburb you choose affects your deposit, borrowing capacity, and lender options more than most nurses and midwives realise.
Image for Cashback Offers & What Not to Overlook - August 2026

19th August 2026

Cashback Offers & What Not to Overlook - August 2026

A breakdown of current cashback promotions for registered nurses and midwives, plus the LMI waivers that often deliver more value long-term.
Image for Understanding the basics of the home buying process

14th August 2026

Understanding the basics of the home buying process

A step-by-step look at how nurses and midwives move from loan approval through to settlement and what to expect along the way
Image for How to Use an Offset Account on Your Home Loan

13th August 2026

How to Use an Offset Account on Your Home Loan

A practical guide to offset account benefits for nurses and midwives, including how they work and when they make sense for your situation.
Image for Beginner's Guide to Using Home Equity for a Second Property

7th August 2026

Beginner's Guide to Using Home Equity for a Second Property

How critical care nurses can leverage existing property equity to fund their next purchase without saving another full deposit
Image for How to Choose a Home Loan for Different Property Types

6th August 2026

How to Choose a Home Loan for Different Property Types

The structure you need depends on whether you're buying a house, unit, townhouse or land, and how lenders assess each one differently.
Image for What are the Home Loan Options for School Zones?

4th August 2026

What are the Home Loan Options for School Zones?

How paediatric nurses can structure finance to buy in zones with strong education outcomes without overextending their borrowing capacity.
Image for Simple hacks to secure a three bedroom home loan

3rd August 2026

Simple hacks to secure a three bedroom home loan

Clinical nurse specialists buying a three bedroom property can access rate discounts and loan features that match shift work income and career progression.
Image for The Costs and Benefits of Low Deposit Home Loans

30th July 2026

The Costs and Benefits of Low Deposit Home Loans

How Clinical Nurse Specialists can access property with less upfront cash, and what to weigh before choosing a low deposit path.
Image for Top Strategies to Secure Off-the-Plan Home Loans

27th July 2026

Top Strategies to Secure Off-the-Plan Home Loans

How registered nurses can structure finance for off-the-plan purchases, protect their position during construction, and manage the settlement gap.
Image for Unlock the secrets to interest rates and property prices

25th July 2026

Unlock the secrets to interest rates and property prices

How shifts in home loan interest rates influence what nurse practitioners can afford and when timing matters most in the property market
Image for Do you know what happens at settlement on your home loan?

23rd July 2026

Do you know what happens at settlement on your home loan?

Settlement is when ownership legally transfers and your loan funds are released. Here's what enrolled nurses need to know before settlement day arrives.
Image for Smart Ways to Manage Rate Lock-ins and Break Costs

22nd July 2026

Smart Ways to Manage Rate Lock-ins and Break Costs

How fixed rate home loans lock in your rate, what triggers break costs, and how community health nurses can structure loans to avoid unexpected charges.

Investment Loans

Image for Do Property Values or Rate Changes Impact Your Borrowing?

23rd September 2026

Do Property Values or Rate Changes Impact Your Borrowing?

Investment loan amounts shift when property values rise or rates move, and both are reshaping what registered nurses can borrow across Australia right now.
Image for Property Investment Challenges You Need to Know

22nd September 2026

Property Investment Challenges You Need to Know

What registered nurses and midwives face when securing investment loans and how recent legislative changes shape your borrowing strategy from the 2027-28 income year.
Image for Common Mistakes with Fixed Rate Investment Loan Costs

16th September 2026

Common Mistakes with Fixed Rate Investment Loan Costs

Fixed rate investment loans carry fees and charges many nurses overlook when building a rental property portfolio.
Image for Negative Gearing: Avoid These 5 Mistakes for Nurses

15th September 2026

Negative Gearing: Avoid These 5 Mistakes for Nurses

How negative gearing works for registered nurses and midwives building wealth through investment property, including the legislative changes affecting new purchases.
Image for Do you know duplexes and investment loan features?

14th September 2026

Do you know duplexes and investment loan features?

Understand how investment loan structure, occupancy classification, and serviceability rules apply when you're purchasing a duplex as a registered nurse or midwife.
Image for Investment Pre-Approval Mistakes Nurses Make

8th September 2026

Investment Pre-Approval Mistakes Nurses Make

Why rushed investment property applications fall over and how to structure pre-approval properly before you start searching for rental stock
Image for When to Choose Interest-Only for Investment Loans

2nd September 2026

When to Choose Interest-Only for Investment Loans

Understanding interest-only repayments, offset accounts, loan portability and redraw features that suit nurses building a property portfolio.
Image for How to avoid break costs on investment loans

30th August 2026

How to avoid break costs on investment loans

Rate lock-ins can protect you from rising rates, but breaking a fixed investment loan early can trigger thousands in fees if your circumstances change.
Image for Beginner's guide to Investment Risk Management

29th August 2026

Beginner's guide to Investment Risk Management

Practical strategies for nurses and midwives to protect investment property loans from vacancy periods, rate rises, and portfolio exposure.
Image for Top Strategies to Overcome Property Investment Challenges

26th August 2026

Top Strategies to Overcome Property Investment Challenges

How nurses and midwives can address serviceability limits, deposit hurdles, and new tax rules when building a rental property portfolio.
Image for What Are the Steps to Owning Multiple Investment Properties?

25th August 2026

What Are the Steps to Owning Multiple Investment Properties?

How nurses and midwives can build a multi-property portfolio using structured lending, equity release, and the right timing between purchases.
Image for Understanding Investment Loan Structures for Nurses

23rd August 2026

Understanding Investment Loan Structures for Nurses

How to set up borrowing that supports long-term property wealth while protecting your salary and cashflow as a registered nurse or midwife.
Image for Common Mistakes When Buying Your First Investment Property

18th August 2026

Common Mistakes When Buying Your First Investment Property

What nurses and midwives need to know about investment loans, tax changes, and structuring your first property investment correctly from the start.
Image for Proven Tips to Finance an Established Investment Property

17th August 2026

Proven Tips to Finance an Established Investment Property

How registered nurses and midwives can structure investment loans for established properties with the right repayment strategy and deposit requirements.
Image for Simple hacks to build wealth with rental property

15th August 2026

Simple hacks to build wealth with rental property

Investment loans designed for registered nurses and midwives who want to create passive income and build financial security through property.
Image for Top tips to navigate property investment challenges

10th August 2026

Top tips to navigate property investment challenges

Investment lending rules have changed significantly in the past 18 months and midwives looking to build wealth through property need to understand the new landscape.
Image for Why Should Midwives Build a Multi-Property Portfolio?

5th August 2026

Why Should Midwives Build a Multi-Property Portfolio?

Accessing the right loan structure and strategy to acquire multiple investment properties while working in midwifery
Image for Do you know you can borrow in a company name?

24th July 2026

Do you know you can borrow in a company name?

Why some nurses who invest through a company structure need a different loan approach and what lenders actually assess

Refinancing

Image for What are the Steps to Release Equity for Renovations?

21st September 2026

What are the Steps to Release Equity for Renovations?

A practical guide for registered nurses and midwives looking to unlock property equity to fund home improvements without selling or switching careers.
Image for Refinance Application Fees and What Nurses Pay

7th September 2026

Refinance Application Fees and What Nurses Pay

Application fees vary by lender when refinancing, and some charge nothing at all while others add hundreds to your upfront costs.
Image for Common Mistakes When Refinancing Payment Frequency

19th August 2026

Common Mistakes When Refinancing Payment Frequency

How changing your payment schedule during a refinance can reduce your interest burden and improve your cash flow without increasing your monthly outlay.
Image for 10 Ways Refinancing Your Mortgage Saves You Money

12th August 2026

10 Ways Refinancing Your Mortgage Saves You Money

How registered nurses and midwives can reduce loan costs, unlock equity, and improve cash flow with a targeted refinance strategy
Image for Understanding the Basics of Using Equity for a Second Property

2nd August 2026

Understanding the Basics of Using Equity for a Second Property

How registered nurses can refinance to release equity from their current home and use it as a deposit for an investment property.
Image for Proven Tips to Access Home Equity Without Selling

31st July 2026

Proven Tips to Access Home Equity Without Selling

Refinancing lets midwives unlock property equity for investment, renovations, or debt consolidation while keeping your home and maintaining your career flexibility.

Property Market Insights

Image for Why September 2026 Could Be the Right Time for Nurses to Buy Property

15th September 2026

Why September 2026 Could Be the Right Time for Nurses to Buy Property

Mortgage demand has softened and buyer competition has thinned. For nurses with secure employment, that creates an opportunity most people are missing.

First Home Buyer

Image for Nurse First Home Buyer Scheme: What's Available

13th September 2026

Nurse First Home Buyer Scheme: What's Available

Registered nurses and midwives qualify for multiple federal and state schemes that can stack to reduce upfront costs significantly when buying your first home.
Image for Proven Tips to Access Home Buying Programs for Nurses

29th July 2026

Proven Tips to Access Home Buying Programs for Nurses

How nurses and midwives can combine federal and state programs to reduce deposit requirements, avoid LMI, and lower upfront costs

Bridging Loans

Image for The Pros and Cons of Bridging Loans for Nurses

9th September 2026

The Pros and Cons of Bridging Loans for Nurses

How bridging finance works when you need to purchase your next home before selling, including costs, risks, and what registered nurses should know before applying.
Image for Top 10 Ways Bridging Loans Fund Emergency Property Purchases

22nd August 2026

Top 10 Ways Bridging Loans Fund Emergency Property Purchases

When you need to secure a property quickly without selling first, bridging finance gives registered nurses and midwives temporary funding until your current property settles.

Car Loans

Image for Top 10 Ways Nurses Can Finance a Used Car in Australia

3rd September 2026

Top 10 Ways Nurses Can Finance a Used Car in Australia

Practical guidance on securing car finance as a registered nurse or midwife, including what lenders look for and how to structure a loan that fits your roster.
Image for Do you know what paperwork you need for a car loan?

1st September 2026

Do you know what paperwork you need for a car loan?

The documentation you'll need to have ready when applying for a car loan as a registered nurse or midwife in Australia.
Image for What Not to Do When Financing a Reliable Used Car

31st August 2026

What Not to Do When Financing a Reliable Used Car

The application mistakes and loan structure decisions that cost nurses thousands when buying their next vehicle, and how to avoid them.
Image for How to Finance a New Car as a Nurse

16th August 2026

How to Finance a New Car as a Nurse

A practical guide to securing car finance when you work in nursing, including what lenders look for and how to structure your application.
Image for Common Mistakes When Financing a Hybrid Car

8th August 2026

Common Mistakes When Financing a Hybrid Car

What nurse practitioners need to know about hybrid vehicle loans, tax benefits, and structuring finance to protect both clinical income and borrowing capacity.
Image for Do you know the Car Loan Application Process?

1st August 2026

Do you know the Car Loan Application Process?

A clear walkthrough of how car finance works for aged care nurses, from application to approval and settlement

No LMI Loans

Image for Do you know the difference between LMI Waiver and Lender-Paid LMI?

11th August 2026

Do you know the difference between LMI Waiver and Lender-Paid LMI?

Two types of no LMI loans exist for nurses and midwives, but they work differently and one costs you more than you think.
Image for Do Self-Employed Nurses Qualify for LMI Waivers?

10th August 2026

Do Self-Employed Nurses Qualify for LMI Waivers?

Why running your own nursing practice or working as a contractor doesn't automatically disqualify you from professional LMI exemptions
Image for Do you know LMI waivers work for high-value properties?

10th August 2026

Do you know LMI waivers work for high-value properties?

How registered nurses and midwives access professional LMI waivers on properties above typical thresholds, and what changes at higher loan amounts.
Image for Unlock the secrets to No LMI Loans and who pays for it

10th August 2026

Unlock the secrets to No LMI Loans and who pays for it

Understand what Lenders Mortgage Insurance is, how much it costs, and which registered nurses and midwives can avoid paying it entirely.
Image for Understanding No LMI Loans and Income Thresholds

10th August 2026

Understanding No LMI Loans and Income Thresholds

How income thresholds determine access to professional LMI waivers for nurses and midwives borrowing at high LVR
Image for LMI Waivers for High-Value Properties & Nurses

10th August 2026

LMI Waivers for High-Value Properties & Nurses

How registered nurses and midwives can access LMI waivers on properties above typical professional exemption caps
Image for Avoid These 3 Mistakes with No LMI Investment Loans

10th August 2026

Avoid These 3 Mistakes with No LMI Investment Loans

How registered nurses and midwives can access LMI waivers for investment property purchases and where most borrowers get it wrong
Image for Do you know what LMI is and who pays for it?

10th August 2026

Do you know what LMI is and who pays for it?

Lenders Mortgage Insurance can add thousands to your loan, but nurses and midwives can access waiver options that most borrowers never hear about.
Image for Do you know nurses can avoid LMI with the right loan?

10th August 2026

Do you know nurses can avoid LMI with the right loan?

Registered nurses and midwives have access to professional LMI waivers that can save thousands and unlock property ownership sooner.
Image for Beginner's Guide to Maximum Borrowing with No LMI Loans

10th August 2026

Beginner's Guide to Maximum Borrowing with No LMI Loans

How critical care nurses can use professional no LMI eligibility to increase their borrowing capacity without paying insurance premiums.
Image for Understanding the Income Requirements for No LMI Loans

10th August 2026

Understanding the Income Requirements for No LMI Loans

What enrolled nurses need to earn to access professional LMI waivers and how lenders assess your income eligibility

Construction Loans

Image for Proven tips to secure land for townhouse construction

26th July 2026

Proven tips to secure land for townhouse construction

How aged care nurses can fund land purchase and multi-dwelling builds using construction loans designed for progressive drawdown
Image for Simple hacks to fund your custom home build

21st July 2026

Simple hacks to fund your custom home build

How construction loans work for midwives building from scratch, including progressive drawdowns, council approvals, and managing costs through the build process.

SMSF Loans

Image for Understanding the basics of SMSF loan-to-value ratios

20th July 2026

Understanding the basics of SMSF loan-to-value ratios

How much you can borrow through your self-managed super fund depends on property type, lender appetite, and timing under the new rules.

Ready to get started?

Book a chat with a Finance & Mortgage Brokers at Nurse Loans today.

Book Appointment

Loans for Nurses

Home LoansInvestment LoansNo Deposit LoansNo LMI LoansRefinancingDebt ConsolidationCar LoansLMI Waivers

Loans for Midwives

Home LoansInvestment LoansNo Deposit LoansNo LMI loansSelf Employed Loans Refinancing

About

Nurse LoansWho we HelpThe Mortgage Broker for NursesOur Latest ArticlesOur Privacy Policy

Calculators

Borrowing CapacityLoan Health CheckFixed Rate Expiry

Contact

Sydney, NSW

0422699383

Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.

Site by Broker Studio