Who we Help
We're the Home Loan and Investment Loan Experts for Nurses. Here are all the ways we can help
Rated 5 from 84 Reviews
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How we help
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Rated 5 from 84 Reviews
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Thea Edwards
Nick and the team were so lovely. Professional, genuine, responsive and easy to deal with. Would highly recommend.
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simon preshaw
Nick and the team were a pleasure to work with. They answered all of my questions and if they weren't immediately available, they were always quick to call me back.
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sarah ander
As a first home buyer, Carl and the team at Azura were incredibly helpful throughout the whole process. They made everything feel straightforward and were always there to answer any questions along the way. I’ve already recommended them to friends and would highly recommend them to anyone looking to get a mortgage!
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Alannah Paige
I am a first home buyer and had Carl as my mortgage broker. He worked diligently to follow up any issues or questions I had and made the process as smooth as it could. I highly recommend! Thank you Carl.
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Shaun Cunningham
As a founder, getting a mortgage requires a couple more hoops to jump through, which is why I couldn't recommend Nick O'Sullivan and the Azura team more highly. Not only were they able to offer a seamless process, but Nick was also patient with us as we changed our minds about when to buy (over a period of years!). The truth is anyone can approach a bank and get a mortgage, but when things don't go perfectly (e.g. abrupt government changes), that's when you want a pro on your team like Nick.
VT
Van Tran
Nick and the team at Azura Financial exceeded our expectations at every step. Their guidance was clear, their expertise was evident, and they handled every financial detail with care — giving us complete peace of mind throughout the process. We couldn't have asked for a better team by our side. Thank you very much, V&V.
PW
Philip Woods
Carl and team were absolutely impressive with their attentiveness to answering questions no matter how stupid they were. The urgency they put into attending to timelines and requests was superb. I would recommend them without hesitation.
めめん
Nick was amazing to work with. He's easygoing, quick to reply, and genuinely a very competent broker. He made my loan possible and secured a great deal for me. Highly recommend:)
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Carina
Nick O’Sullivan helped me with my first investment property purchase last year. As it was my first time, I had plenty of questions, but he was always happy to help and made the whole process seamless. I recently used Nick again to refinance my loan and secure a great interest rate, and once again everything was handled smoothly and efficiently. I highly recommend Nick and his team and look forward to working with them again in the future.
Registered nurses, enrolled nurses, nurse practitioners, midwives, clinical nurse specialists and nurse unit managers may all be able to access specialist lending depending on the lender and the type of finance sought. Eligibility for LMI waivers is typically limited to registered nurses and registered midwives at lenders that offer this benefit.
Some lender policies extend to other AHPRA-registered health practitioners beyond nurses. Doctors, dentists and specialists typically access more favourable LMI waiver terms than nurses at most lenders. Policies differ by lender and profession.
Lender policies on agency or labour hire employment vary. Some will accept this income type with sufficient payslip history, while others require direct employment. A broker with experience in nurse lending can identify which lenders are most flexible on employment type.
New graduate nurses can apply for home loans through standard lending channels. Access to LMI waivers that require a minimum income threshold, such as the $90,000 threshold at Westpac Group lenders, may be more difficult to meet at the start of a nursing career.
Australian residency and visa status affect home loan eligibility. Permanent residents and citizens generally have broader access to lender programs. Some temporary resident categories face restrictions and individual lender policies on residency eligibility apply.
Yes, provided the nurse meets the lender's eligibility criteria. Some lender policies apply restrictions in certain postcodes, particularly for high-density property types. Regional nurses may also access specific Australian Government incentives designed to support rural and regional healthcare workers.
Registered midwives are specifically named as eligible for the LMI waiver at Westpac Group lenders including St George Bank, Bank of Melbourne and BankSA, subject to the same $90,000 gross income threshold and 90 percent LVR limit that applies to registered nurses.
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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