Blog

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 […]

Background Dr. Amy, a high-income medical professional, was ready to purchase her dream home priced at $2.2M. With $480,000 in savings, she seemed in a strong position – but her recent transition into private billing complicated matters. She had just moved into a new, high-earning role with a private billing model. While her contract reflected […]

Understanding the Difference in Borrowing Power Between Owner-Occupied and Investment Properties As a healthcare professional preparing to enter the property market in FY25/26, it’s essential to grasp how your borrowing capacity varies. This difference hinges on whether you’re purchasing a home to live in or an investment property Owner-Occupied vs. Investment Property Loans: Key Differences […]

How “Rate Creep” and Loyalty Tax Are Quietly Costing Healthcare Workers Thousands 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. The Hidden Cost of Staying Put Banks often offer lower interest rates to attract new customers, while […]

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). We’re here to make sure that doesn’t happen this year. Let’s break down the three biggest EOFY 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. We wore our brightest, boldest socks to spark conversations, show solidarity, and remind our healthcare heroes that it’s OK to not be OK. Because mental […]

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. The Initial Situation The […]

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. Why Property Investment? Co-founder Domenic Nesci broke down why property remains a powerful wealth-building tool: 💡 Real estate lets […]

Imagine owning a property that not only grows in value over time but also pays you every month. That’s the power of investment property loans, a strategic path to building wealth through real estate. Whether you’re aiming for passive income, capital growth, or long-term financial security, property investment can be your gateway to financial freedom. […]

A podiatrist earning $115,000 per year was told by her bank that she needed a 20% deposit before they would lend to her. She had $68,000 saved, a clean credit file, and AHPRA registration. What she did not have was a broker who understood allied health lending policy. Several lenders waive Lenders Mortgage Insurance for […]