Borrowing Power

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 […]

Background 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. Despite a strong income and stable job, Sharni was told: 💔 Sharni was overwhelmed, disheartened, and ready to […]

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 […]

Think you’re getting a fair deal on your mortgage? Here’s a quick 3-step check to find out: ✅ 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. Tip: If you’re not […]

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. Below, we break down each debt type, explain […]

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 […]

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 […]

Investing in your first property is an exciting milestone—and when done right, it can be a powerful step towards building long-term wealth. At Healthcare Home Loans, we specialise in helping healthcare professionals navigate the path to property investment with exclusive lending benefits and expert support. To make the journey easier, we’ve outlined the essential steps […]

If you’re in healthcare and thinking about stepping into the property market, 2025 might be your moment. With stable interest rates, less buyer competition, and exclusive benefits for healthcare professionals, now is the time to act smart. Why Healthcare Home Loans? We help healthcare professionals: Top Challenges First-Home Buyers Face Pillar 1: Free Money If […]