If you're considering buying property next year, the window to get your finances ready has already opened.

Here’s what impacts your borrowing capacity the most, and how to put yourself in the best position to borrow more.

For many healthcare professionals, nurses, midwives, doctors, and allied health workers, buying a home feels overwhelming when you’re juggling family life, credit card repayments, and a HECS-HELP debt. Add in the rising cost of living and rent, and it can seem impossible.

Buying property with a friend or sibling can help you enter the market sooner by pooling deposits, sharing costs, and boosting borrowing power. But it also comes with risks — from different financial goals to legal responsibilities. For healthcare professionals, the right strategy (and access to exclusive lending benefits) can make co-buying a smart and safe path to home ownership.

If you’re a first-time home buyer or considering upgrading to your next property, getting pre-approved for a home loan is one of the smartest steps you can take before you begin house hunting.

Still renting? You might be paying far more than you realise. For nurses, Doctors, and healthcare professionals across Australia, the cost of renting vs buying isn’t just about weekly payments. It’s about the long-term wealth you’re missing out on by waiting on the sidelines.

For many healthcare workers, nurses, doctors, midwives, and allied health professionals, buying property can feel like a huge step, especially when juggling shift work, HECS debt, and family commitments. One increasingly popular option is buying off the plan.

You’d think that earning a big income would make getting a home loan easy. But for many doctors, the opposite is true. If your income comes from locum shifts, hospital work, telehealth consults, or even private practice, most banks see it as “too complex.” Here’s the truth: complex income isn’t a weakness, it’s one of your greatest strengths. The key is knowing how to structure it.

From 1 October 2025, the Home Guarantee Scheme will expand, making it easier for doctors, nurses, and healthcare professionals to buy their first home with just a 5% deposit and no Lenders Mortgage Insurance (LMI). With higher property price caps, no income limits, and simplified access across Australia, more healthcare workers can enter the property market sooner.

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.

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

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.

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.

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.

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.

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.

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.

Investing in your first property is a powerful step toward building long-term wealth. At Healthcare Home Loans, we guide healthcare professionals through every stage—from assessing your financial position and choosing the right loan structure to securing pre-approval and finding the perfect property.

Thinking about buying your first home as a healthcare professional? Now’s the time. Discover the 3 essential pillars—grants and schemes, smart finance, and strategic buying—to unlock your path to homeownership. Learn how to access low deposit loans, avoid LMI, and make confident property decisions with expert guidance tailored just for healthcare workers.

If you’re a healthcare professional thinking about buying your first home, here’s something many people don’t realise - you could be...