Rated 5 from 63 Reviews
Nurse Loans is dedicated to assisting midwives in Australia with their home buying aspirations. As a specialised Home Finance & Mortgage Broker, we understand the unique challenges faced by healthcare professionals. Our services are tailored to provide you with the best possible access to Home Loan options from banks and lenders across Australia. Whether you're buying a home for the first time or looking to build, our expertise can guide you through the process, ensuring you secure the most favourable terms.
The Home Guarantee Scheme for Midwives is a pivotal Australian Government initiative designed to help eligible first home buyers and those who haven't owned property in the past decade. This scheme is particularly beneficial for midwives, offering an opportunity to buy or build your home sooner with a low deposit. With limited places available each year, it is crucial to act promptly to take advantage of this scheme. The scheme supports eligible single parents or legal guardians with at least one dependent child, making it an invaluable resource for many families.
Understanding how much you can afford to spend on a home is essential. Our Mortgage Brokers are here to help you assess your borrowing capacity, taking into account your income and financial commitments. The Home Guarantee Scheme for Midwives allows you to purchase a new or existing home with a deposit of between 5% and 20% of the property's value, significantly reducing the need for lenders mortgage insurance (LMI). This can make a substantial difference in your overall loan amount and interest rate, ultimately affecting your monthly repayments.
To qualify for the Home Guarantee Scheme, applicants must meet specific criteria. You need to be at least 18 years of age, hold a valid Medicare card, and be an Australian citizen or Permanent Resident. Additionally, there are income criteria and property price caps that vary by state. The purchased property must also be an acceptable type and within the property price threshold for the suburb and postcode. Once approved under the scheme, you have 90 days to purchase a home, providing a clear timeline for your home buying journey.
The application process for the Home Guarantee Scheme for Midwives can be straightforward with the right support. Using the Housing Australia website, you can find detailed information on eligibility and application requirements. Our team at Nurse Loans will assist you every step of the way, from preparing your Home Loan application to finalising your purchase. With our guidance, you can confidently approach lenders and secure a loan that aligns with your financial goals.
Buying a home is a significant milestone, and the Home Guarantee Scheme offers midwives an exceptional opportunity to achieve this dream with reduced financial barriers. By partnering with Nurse Loans, you'll gain access to a wealth of knowledge and resources designed to support your home buying journey. We are committed to helping you find the right Home Loan options that suit your needs and circumstances.
Reach out to Nurse Loans today to discover how we can assist you in accessing the Home Guarantee Scheme for Midwives. Our expert Mortgage Brokers are ready to provide personalised advice and support, ensuring you make informed decisions about your future home. Whether you're looking to buy or build, we are here to help you every step of the way.
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Louise Griffiths
Carl and the team have been fantastic. I've used them twice - for my first home purchase and again more recently for a refinance. I both highly recommend them and would use them again.
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Jared Ridler
Big thanks to Carl for your help through the process! Made it all a breeze with clear quick communication and got us into our new home!
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Alexander Dongas
Got referred by my general manager. Got me in touch with Carl. To say the least - absolute pleasure. This guy knows it all; he’s confident, knows his role, never heard the man stutter. He wants what’s best for you, answers every question, ...
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Assad Hamid
My unconditional approval was rejected just two days before settlement in Aug 2025, and you can imagine the pressure at that stage. Luckily My team refer me to Azura Team and there I e- meet Mr. Carl Elsass. He took the case under his wings and after submitting requested documents in just two days I got unconditional approval and also refinance of one of my unit to make the settlement possible. He really did the work like he is doing for himself. This is only I can feel through out the process. I definitely recommend Azura for their dedicated support and very soon I will be getting into the next one. Thanks Azura for helping the community.
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Ingrid Rollero
Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!
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Elizabeth Bottomley
Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...
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Kirsten Turco
Nick gave us a friendly service & was extremely helpful. Highly recommended!
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
All the Mortgage Brokers at Nurse Loans hold accreditation and are members of the Mortgage and Finance Association of Australia (MFAA), ensuring their adherence to professional standards. Their commitment to excellence is evident in the exceptional service they deliver across a diverse array of lending options. Moreover, they possess the requisite qualifications to assist Nurses and Midwives with their financial needs, offering expert guidance tailored to individual circumstances. Whether you're considering refinancing your Home or Investment Loan, securing a Car Loan, or seeking a new Loan for a purchase, our brokers stand ready to provide knowledgeable support every step of the way.
Refinancing your home or investment loan offers numerous benefits for nurses and midwives. One major advantage is the potential to secure a lower interest rate, significantly reducing monthly repayments. This helps manage finances more efficiently, freeing up funds for other essential expenses. Additionally, refinancing allows for adjusting loan terms to better fit individual financial circumstances, such as extending or shortening the loan term or changing the repayment frequency to align with income cycles. This flexibility empowers nurses and midwives to tailor their loans to their specific needs and goals. Refinancing also provides access to equity, enabling them to release funds for various purposes like home renovations, purchasing a vehicle, planning a holiday, or investing in additional properties. Consolidating multiple loans into a single facility simplifies financial management and may reduce overall interest costs. Lastly, transitioning from a variable to a fixed-rate home loan through refinancing offers the advantage of locking in a stable interest rate and repayment term, providing peace of mind amid fluctuating market conditions. Overall, refinancing presents nurses and midwives with valuable opportunities to optimise their loan arrangements and enhance their financial well-being.
We're passionate about assisting First Home Buyers! Nurse Loans supports Nurses and Midwives who are first-time buyers in accessing a Home Loan and understanding applicable Grants and Discounts. Purchasing your first home with a Home Loan is a significant financial decision for many, marking an investment in the future, a cornerstone for family life, and a stride towards financial stability. At Nurse Loans, we recognise the significance of this milestone. Our personalised approach ensures clients have the knowledge, options, and support needed to make informed decisions. Our Home Loan solutions cater specifically to the diverse needs of Nurses, Midwives, and first home buyers, offering competitive rates, flexible terms, and benefits tailored to the service life and career path of healthcare professionals
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Working with a Mortgage Broker simplifies the mortgage journey, offering access to a wider range of options, expert guidance, and a smoother application process, potentially leading to time savings and improved loan terms. Mortgage Brokers act as intermediaries between borrowers and lenders, providing valuable expertise and support throughout the process. An advantage of using a broker is the access to diverse loan products from various lenders, allowing tailored solutions to individual needs. Additionally, brokers often have established relationships with banks and lenders, potentially resulting in better terms and rates for borrowers compared to their primary bank.
We can help with Home Loans and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help. We're also experts in helping people into their first home, next home or when they haven't yet sold their home prior to buying their next one. We can help arrange the finance to get you in a position to buy.
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.
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