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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.
Aug 252 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


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


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


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


How to Finance Your First Investment Property: A Step-by-Step Guide
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.
May 123 min read


Unlock Your First Home: The 3 Essential Pillars Every Healthcare Professional Needs to Know
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.
Apr 223 min read
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