Next Home Buyer

Most dentists buying their first home assume they need a 20% deposit. They have spent years studying, graduated with a HECS debt that can exceed $100,000, and are either employed at a practice or a year or two into associateship income that does not look straightforward on paper. So they save, wait, and assume the […]

If you’ve felt unsure about the property market lately, you’re not alone. Between cost-of-living pressure, interest rate noise, and headlines that swing between panic and hype, it’s become harder than ever to work out what’s actually going on — and what matters for you. That’s why I’ve spent time going through the latest Cotality Home Value […]

Every December, without fail, two things happen. Mariah Carey defrosts. We all realise we have accidentally subscribed to fourteen different streaming platforms and are still paying for that gym membership we visited twice. So this year, I thought I would have a bit of fun and share Santa’s Naughty and Nice List, Mortgage Edition. A […]

Balancing a young family, a growing business, and a property upgrade sounds like a recipe for stress. But with the right strategy, it can be a seamless leap into the next chapter. Just ask Courtney. A Family Ready for More Courtney and her husband found themselves in a familiar space. Their home, once perfect, now […]

For many healthcare professionals, such as nurses, midwives, doctors, and allied health workers, buying a home can feel overwhelming. Balancing family life, credit card repayments, and HECS-HELP debt adds to the stress. With the rising cost of living and high rent prices, home ownership may seem impossible. But here’s the truth: healthcare workers have unique […]

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 […]

A nurse earning $95,000 packages a $35,000 car through a novated lease. Her take-home pay goes up. Her tax bill drops. She’s saving roughly $3,200 a year compared to buying the car outright. Six months later, she applies for a home loan and gets approved for $60,000 less than she expected. Salary packaging a car […]

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. ✅ Step 1: Get […]

A senior registrar recently told us she’d been turned down by her bank’s online application before she’d even spoken to a human. Her income was “inconsistent” according to their algorithm. She earned $310,000 last financial year, but the problem wasn’t her finances. It was that standard mortgage assessments are built for people with nine-to-five salaries, […]

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. Whether you’re looking to maximise your tax return, understand your borrowing capacity, or […]