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Fixed, Variable or Split? How Healthcare Workers Can Choose a Rate That Works For Them
Let’s make rate types less confusing and more aligned with your lifestyle, income, and financial goals.
Choosing between fixed, variable or split rate loans can feel like trying to predict the future. But it doesn’t have to be daunting. When you understand how each option works, especially through the lens of healthcare work, the choice becomes much clearer.
20 hours ago2 min read


Guarantor Home Loans for Healthcare Professionals: How to Buy Sooner and Avoid LMI
If you’re a doctor, nurse, or allied health professional, your stable income puts you in a strong position to buy a home, but saving a large deposit while renting and working long shifts can be tough.
A guarantor home loan can help you get into the market sooner, often without paying costly Lenders Mortgage Insurance (LMI), potentially saving you tens of thousands.
This guide covers what a guarantor loan is, the benefits for healthcare workers, key considerations for guaranto
Aug 184 min read


Interest-Only vs Principal & Interest - What’s the Real Difference for Healthcare Workers?
Choosing the right repayment type could save (or cost) you thousands and it all depends on where you’re at in your career or property journey.
When it comes to repaying your home loan, you typically have two options: interest-only, or principal and interest (P&I). They may sound similar, but they have very different impacts on your cash flow, equity, and long-term goals.
Aug 152 min read


🏡 Case Study: How Sharni Bought Her $750K First Home with Just a 10% Deposit – Saving Over $117K in Upfront Costs
Sharni, a proud Aboriginal woman and full-time nurse, had long dreamed of owning her first home. With a property goal of $750,000, she was excited to begin her journey, until her previous broker left her deflated.
Aug 112 min read


Rentvesting for Healthcare Professionals: A Smart Property Strategy for Doctors and Nurses on the Move
If you're a doctor in training, a nurse working locum shifts, or a healthcare worker regularly relocating for placements, you might feel like owning property is out of reach. How do you buy a home when your work demands flexibility and constant movement?
That’s where rentvesting comes in. It’s a powerful strategy that lets healthcare professionals invest in property, build long-term wealth, and maintain lifestyle flexibility, all at once.
Aug 43 min read


Offset vs Redraw: What’s the Difference, and Which One Is Better for Healthcare Workers?
What is an Offset Account? Think of it as a transaction account directly linked to your home loan. Every dollar you keep in there reduces the amount of interest you’re charged. Why? Because your lender calculates interest on the loan balance minus what’s in your offset.
Jul 283 min read


Client Story: Michael & Daniel
A healthcare couple, a smarter deposit strategy, and the freedom to dream beyond their first home.
Jul 212 min read


Don’t Know Where to Start? Let’s Map Your Next 3 Steps.
If you're a healthcare worker thinking, "I should buy soon… but I don’t even know where to begin" - you’re not alone. Life is demanding. The property market feels confusing. But the truth is: You don’t need to figure it all out on your own, and getting started is easier than you think.
Jul 142 min read


How to Check if Your Rate Is Still Competitive
Step 1: Know Your Current Rate
Log into your internet banking or grab your last loan statement. Find the interest rate listed - make sure it’s your current variable or fixed rate, not the comparison rate.
Jul 112 min read


Same Income, Different Strategy: Unlocking Your Borrowing Power in Property Investing
Understand the Difference in Borrowing Power Between Owner-Occupied and Investment Properties
As a healthcare professional planning to enter the property market in FY25/26, it's crucial to understand how your borrowing capacity can vary significantly depending on whether you're purchasing a home to live in or an investment property.
Jul 72 min read


Are You Paying the Loyalty Tax?
Many Australians, including healthcare professionals, assume that their banks will automatically adjust their mortgage rates in line with market changes. However, this assumption can be costly.
Jul 42 min read


Financial Triage Webinar Recap: What Every Healthcare Professional Needs to Get Right Before June 30
Webinar Highlights – EOFY 2025
With EOFY fast approaching, our recent webinar helped healthcare professionals get clear on the key financial actions to take before June 30. Here’s a quick summary of what you missed, and how to take advantage now.
Jun 301 min read


Good Debt vs. Bad Debt: What Every Healthcare Worker in Australia Needs to Know
Debt can either work for you - building wealth, freeing up cash flow, and unlocking opportunity or quietly erode your financial security. Knowing the difference between good debt and bad debt is essential for healthcare professionals who want to make smart, stress-free money decisions, especially in the lead-up to EOFY.
Jun 233 min read


Reminder: Free Financial Health Checks This June
Amid the busy end-of-financial-year rush, it's easy to push your own financial well-being to the bottom of the list. But this June, we’re making it easier than ever to prioritise yourself with a free Financial Health Check designed exclusively for healthcare professionals.
Jun 162 min read


Case Study: How Dr. Amy Secured Her $2.2M Dream Home with Just a 5% Deposit - Saving $93K in LMI & $948K in Interest
Dr. Amy was ready to buy her $2.2M dream home—but her new private billing income wasn’t accepted by the bank. Healthcare Home Loans stepped in, secured a 5% deposit approval without payslips, waived $93K in LMI, and dropped her rate to 5.99%. She saved $257K upfront, cut nearly $950K in interest, and reduced her loan term by 6+ years. All from one smart conversation with Australia's healthcare lending specialists.
Jun 102 min read


The 3 Biggest EOFY Mistakes Healthcare Workers Make; And How to Avoid Them!
As June 30 creeps closer, so does the pressure of tax time; especially for busy healthcare professionals. Between shift work, salary packaging, and career demands, it’s easy to overlook some powerful financial opportunities (or make costly mistakes)
Jun 22 min read


From Crazy Socks to Clear Minds: Why Mental Health and Money Go Hand in Hand
Last week, our team proudly joined thousands of Australians in celebrating Crazy Socks 4 Docs Day; a heartfelt initiative dedicated to breaking down the stigma around mental health in medicine.
Jun 22 min read


Case Study: From Frustrated to First Homeowner - Saving $34K in LMI & Boosting Borrowing Power
Background
Our client Darren, a dentist, was in the market for their first home. They found a property priced at $900,000 and initially approached their current bank to begin the journey. Unfortunately, that bank did not offer LMI waivers for professionals, nor did they provide specialist support around government schemes or income structuring.
May 272 min read


Build Wealth, Reduce Tax: A Property Investment Guide for Healthcare Professionals
At Healthcare Home Loans, we recently hosted a power-packed webinar on “Building Wealth Through Real Estate” designed exclusively for healthcare professionals looking to grow their property portfolios and reduce tax. If you missed it, here’s the recap you need.
May 262 min read


Investment Property Loans: Build Wealth Through Real Estate
Thinking about building wealth through real estate? Investment property loans can be a powerful way to secure passive income, capital growth, and long-term financial stability. At Healthcare Home Loans, we specialise in exclusive lending solutions designed for healthcare professionals, making property investment more accessible than ever.
May 192 min read
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