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

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.

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.

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.

A healthcare couple, a smarter deposit strategy, and the freedom to dream beyond their first home.

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: 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.

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.

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.

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.

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.

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.

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)

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.

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.

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.

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.